Under Health and Safety legislation, all employers have a legal duty to provide a safe and healthy environment not just for their employees, volunteers and committee members but also for their service users, that is your customers/users and clients.
Public liability Insurance offers cover for any compensation claims for injuries to members of the public and for damage to, or loss of, other people's property. It will usually cover things like:-
- legal fees
- Hospital fees
Public Liability Insurance is not compulsory. However, your group should give it serious consideration if:-
- members of the public (customers/users/clients) access your services and activities at premises owned or leased by your group
- your group is holding or running an event
- your staff or volunteers visit customers/users/clients in their own home
- your staff or volunteers work from home and clients/customers/users visit them as part of your groups activities or services
Public Liability Insurance does not cover claims for compensation lodged by employees. These are covered by Employers’ Liability Insurance (which is compulsory for any group or organisation that employs paid staff).
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Last Updated 04/09/2012 17:03