PUBLIC LIABILITY INSURANCE
The warning signals are clear: if you deal with the public and something goes wrong you may be sued. So does this affect you? If you are organising fund-raising events which will be attended by the general public or are simply opening your premises to them, then, even with the greatest care, slips and trips will happen and of course the chances of injury are increased where there is exposure to heights or working machinery. Attractions will normally be regarded as an ideal family day out, but a particularly onerous duty of care is owed to children. Youngsters are naturally inquisitive and have a desire to touch anything that moves; but no longer can any injury to them be blamed upon lack of parental control.
It should not be assumed that individuals, small groups of friends or volunteers, are immune to being held to account, rightly or wrongly, by individuals who might suffer from negligence or the lack of duty of care. If an individual is acting on behalf of BAFM or a friends’ group, regardless of whether that individual might be a trustee, they can still suffer the financial consequences of a lawsuit. For example, if a Friend is positioned in a room in a museum in order to act as a guide for that room, or to prevent any loss through theft, that person might be considered to be responsible for the welfare of visitors. If, say, a visitor tripped on a floor mat and sustained physical damage, they could sue not only the institution but also the individual Friend who was acting as a guide, or the trustees of their Friends’ group could be sued. In either case, in the absence of public liability insurance, the individual or trustees might be liable for any monetary damages awarded to them in a court of law. The reason for having public liability insurance is to ensure that if a claim is made against a member of BAFM, a Friends’ Trustee or an individual Friend, the insurer will take up their case against any potential litigant and if judgment was given against the individual, BAFM member, or Friends’ trustees, then they would meet any damages awarded against them in addition to the cost of their defence.
If they cannot do this, please consider very seriously whether you should apply for cover through the BAFM policy.
PERSONAL ACCIDENT INSURANCE
Unlike public liability insurance, which protects Friends’ groups from claims against them, personal accident insurance provides benefits to individuals in the event of certain injuries which they might sustain whilst on Friends’ business. These fixed payments are made on a ‘no fault’ basis and are paid out as soon as the injury has been confirmed by an appointed medical practitioner. For example, an individual under the age of 85 who loses a limb, their sight, speech or hearing as the result of an accident will be entitled to a payment of £10,000 regardless of any other claim which they might make against any third party. Attached are details of personal accident insurance for your information; this does not in any way form a contract with our insurers, or override any of the definitions, endorsements or conditions of the group personal accident policy which we hold with NFU Mutual.
Please note none of the insurances offered by NFU Mutual will be deemed to be in force until the payment of the appropriate premium.
INSURANCE POLICY DOCUMENTATION (01.02.2018)
PUBLIC LIABILITY AND PERSONAL ACCIDENT
Double click to open in your browser window, or right click and select ‘save target as’ to save to your computer. You will need Adobe Acrobat Reader to view this document: if you do not have it, click here and follow the instructions on the page for obtaining it free of charge.
Limit of Indemnity £10,000,000 any one incident
Public & Product Liability
Public Liability of Indemnity £5,000,000 any one incident
Product Liability of Indemnity £5,000,000 in total for any one period of insurance
Endorsement 2 – Members & Committee Extension
Limit of Indemnity £1,000,000 in total for any one period of insurance
Retroactive Date 31 January 2009
Public & Product Liability
Property Damage £250
Environmental Liability £500
BAFM ADMINISTRATOR & MEMBERSHIP SECRETARY
141a School Road, Brislington,
Bristol. BS4 4LZ
Tel: (w) 01179 777435
email: email@example.com contact Jayne