The level of services provided by Associations or Charities, whether they are an unincorporated group such as a sports team or a Residents Association or a more formal organisation such as a Trade Union make it challenging for these covers to be catered for by conventional ‘off the shelf’ insurance products, as most risks have to be underwritten based on the merits of the association / charity.
From a professional liability perspective, insurance programmes must be flexible enough to cater for general liability, employers liability and management liabilities. There may be a requirement for professional indemnity cover, medical malpractice, abuse and directors or trustee liabilities, subject to activities of the association/charity.
This is a highly specialist sector, where standard insurance policies often do no cater of the various demands and needs. Thus, we work with specialist underwriters who take the time to fully understand the unique risks presented and to provide bespoke covers that cater for their particular needs.