UK Charity Insurance understands the insurance needs of today's charities.

For your FREE
Charity Insurance
quote call:

01424 205063

UK Charity Insurance home pageFind out about the types of insurance charities may need.Why you should talk to the UK charity insurance specialists.Get a charity insurance quote.See how we've helped other charities with their complex insurance needs.Charity insurance related news.Contact details for UK Charity InsuranceLink to UK Charity Insurance's Facebook page.Link to UK Charity Insurance's Twitter page.

 

Abuse in charities

Article posted: 12/03/2019

Abuse protection for charities working with vulnerable children and adults

You've probably found this blog post because you're concerned about abuse in the charity context. Whilst it's sad that you should even have to consider such things, it's reassuring that the issue is at least on your radar.

We've all seen the news stories regarding allegations of historical abuse made against people in positions of authority from TV celebrities to sports coaches - almost anywhere that attracts groups of young people or children. Unfortunately, even charities and community groups aren't immune.

You don't have to look too far back to a time when youth clubs, scout groups, sports teams and the like would grab, with both hands, any offers of help. However, as we've now discovered, these and other groups can be seen by offenders as potentially good places to hide and operate.

We'd always recommend that your safeguarding procedures are up to scratch as a bare minimum and that you include existing workers in DBS checks regardless of how long they've been doing the work. However, abuse isn't just limited to children's work of course - it includes anyone who could be in a vulnerable position.

So, beyond having robust policies and procedures in place to look after those in your care, what else can you do to protect yourselves as a charity?

When arranging your charity's insurance in today's environment it's important and necessary to consider Abuse Cover as part of your portfolio. This helps you to defend any such claims made against the organisation or its trustees - both with the legal costs and reputationally.

Caution needs to be exercised though! There are two types of abuse cover available and unknowingly switching between the two could leave you quite seriously exposed...

One covers you for claims made during the current policy term, regardless of when the incident occured; the other covers you for incidents occurring during the policy term regardless of when the claim is made in the future. Moving between the two could potentially leave you with an unprotected period of time in your history.

It's wise to check your Policy Wording and, if you're concerned or unsure about anything, make sure you take advice from someone who knows the difference and fully understands the implications of switching BEFORE you switch.

 

RELATED POSTS:

The trustees' role in managing charity risk

Give your charity the best chance of surviving a cyber breach

3 important charity insurance checks for non-experts

Key benefits to your charity of conducting an insurance review

How Business Interruption carries your charity during unavoidable downtime

GDPR, Cyber Liability and your charity

Abuse in charities

Get a charity insurance quote from UK Charity Insurance.

RENEWAL NOT DUE YET?
Give us your renewal date and
we'll call you at the right time.

 

   
UK Christian Links Directory

© Chris Knott Insurance 2012. All rights reserved.