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Policy Details
The policy for Charity and Voluntary Organisations is constantly being extended to meet the requirements of the sector. There are currently 16 sections within the 'Encompass' policy which is underwritten by Royal & Sun Alliance.
For further details of individual sections of the 'Encompass' policy please choose a subject from this list:
Where you do not see a section meeting your requirements please contact us by clicking here and we shall be pleased to tailor the policy in order to meet your needs.
Property Damage
Arranged on an "All Risks" basis
- Insured's contribution each and every loss: £50
- except: Subsidence: £1,000
Computer Insurance
- Cover is arranged on an "All Risks" basis whilst anywhere in the world (exluding Theft from an unattended vehicle unless in a locked boot or glove compartment of the conveying vehicle)
- Computer breakdown included subject to a maintenance agreement being in force
- Reinstatement of your computer records subject to duplicate records being maintained at a separate location or stored in a fire resistant cabinet at the premises: £10,000
- Additional Cost of working following insured damage to the computers: £25,000
Automatic Extensions include
- All property items index linked
- Theft
- Contents and, if included, Buildings and Tenants Improvements
- Day One inflation protection: 15%
- Specific equipment (if required) away from the office such as mobile phones, cameras and scientific equipment
- Transparencies and deeds and documents (if required) extended to any location in the United Kingdom whilst in transit and in store subject to a limit any one package: £1,000
- Replacement of locks and keys following theft up to limit: £1,000
- Glass including:
- lettering and alarm foil on glass
- mirrors, sanitary earthenware, neon and illuminated signs and electric light fitments
- Damage caused to the building by theft or attempted theft is automatically provided whether or not the buildings are insured under this policy.
Business Interruption
Arranged on an "All Risks" basis
- Revenue or additional cost of working option
Automatic Extensions
- Accountant charges in certifying a claim
- Book Debts limit any one loss up to £50,000
- Infectious diseases, food poisoning, murder, suicide, vermin and pest or defective sanitation
- Damage at utility suppliers' premises (water gas and electricity)
Legal Liabilities
- Employers' Liability
- limit of indemnity any one event: £10,000,000
- Public Liability
- limit of indemnity any one event: £2,000,000
- Products Liability
- limit of indemnity any one period of insurance: £2,000,000
Professional Indemnity
- Limit of indemnity any one period of insurance: £1,000,000
- Insured's contribution: £50
- Legal Defence costs
Money
Including Personal Injury following Robbery
- Insured's contribution: £50
Standard Limits
- From the premises during working hours or in a bank night safe or in transit (higher limits are available): £4,000
- From any locked safe in the office, out of working hours (higher limits are available subject to a satisfactory safe being installed): £1,000
- From the office out of working hours and not protected in a safe: £250
- From the home of an authorised employee/volunteer
- where occupied by a responsible adult: £500
- otherwise: £250
- Crossed cheques, crossed money orders and crossed postal orders: £250,000
Personal Injury Limits
In the event of:
- Death or loss of one or more limbs or eyes: £5,000
- Permanent Total Disablement from gainful employment of any and every kind: £5,000
- Temporary Total Disablement for up to 2 years: £50 per week
- Medical Expenses: Not exceeding 15% of the sum payable under Temporary Total Disablement
Theft by an employee and/or volunteer
- Covers losses caused by an act of fraud or dishonesty of an employee including Auditors Fees incurred in substantiating the amount of a claim
- Cover is provided on an all employee/volunteer basis
- £100,000 Limit of Indemnity
- Cover will be subject to the agreement of minimum standards of control in respect of supervision, accounting procedures and checking the security of money or goods
Personal Accident
- Accidents whilst engaged on the activities of the organisation
- Group cover
- Cover provided in units of cover up to a maximum of 5
- Each unit comprises
- Death Benefit £10,000
- Loss of Limbs/Eyes and Permanent Total Disablement £20,000
- Temporary Total Disablement £50 per week (For a maximum of 2 years in all)
- Temporary Partial Disablement £20 per week (For a maximum of 2 years in all)
- Temporary benefits for volunteers not engaged in employment are restricted to a maximum of one unit, being £25 and £15 per week in total, respectively
- Medical Expenses £2,500 regardless of the number of units of cover
- Accidents arising from some hazardous activities are excluded
Legal Expenses
Covers legal expenses up to £100,000 any one incident and £1,000,000 any one period of insurance in respect of all awards made against you. The cover includes legal expenses incurred in:
- Employment Disputes such as Discrimination and unfair dismissal
- Property damage and nuisance against third parties
- Indepth investigation by the Inland Revenue into the tax affairs of the business
- Disputes with Customs & Excise regarding VAT
- Contract disputes as long as amount in dispute exceeds £1,000
Loss of No Claims Discount and/or Payment of Excess Protection
Employees and Volunteers often use their private cars while carrying out their duties on behalf of the organisation. In doing so they run the risk of losing No Claims Discount and/or paying a policy excess should they be involved in an accident.
This cover offers protection by means of compensating the employee or volunteer on the following basis:
- up to £250 for loss of NCD
- up to £150 for payment of policy excess
- up to £400 for a combination of the above
Cover is personal to the individual employee or volunteer and is not transferable
The insurance does NOT cover loss of or reduction in bonus or payment of contributions arising from accidents to motor vehicles occurring otherwise than in the course of the activites/business of the Insured
Counselling Care
- What is It?
Counselling Care provides employees and volunteers with 24 hour access, 365 days a year to a telephone counselling service. This enables them to speak with professional counsellors who will ensure that callers have time to talk through their concerns and feelings, helping to clarify the practical and emotional issues. Callers will find the support given by a counsellor beneficial during difficult times and will be more able to consider the options available when deciding upon any changes that need to be made.
The only information that callers need divulge is the scheme code number. This guarantees total anonymity. Remember, the service can be used when the callers wish, and as many times as the caller wishes.
- Who Provides It?
This is an initiative with the Care Assist Group. All telephone counsellors are qualified, experienced members of the British Association for Counselling and fully adhere to the Code of Practice and Ethics. This absolute commitment to professional standards and ethics guarantees the independence and integrity of the service.
- Who Can Use It?
Where cover is operative this service is available to all employees and volunteers. In addition to that, the service is also available to their immediate family and relatives.
Trustees Indemnity Insurance
All recognised charities will have trustees. Trustees have control and management of the administration of the charity and are responsible to their public beneficiaries. In this capacity a trustee will be liable to make good any losses suffered as a result of his or her own act of omission and those of his or her fellow trustees.
With this policy cover in force trustees (other than trust corporations) are indemnified for damages and legal expenses for which they are legally liable in capacity of trustee, committee member, director or officer by reason of any "wrongful" act that they commit in that capacity such as breach of duty or breach of trust.
If the charity is obliged to indemnify a trustee or director the charity can in turn obtain reimbursement. The following limits apply:
- Limit of indemnity is £250,000
- a £250 excess applies
Click here to view examples of Charities Trustees Insurance Claims
Engineering Inspection and Insurance
- This provides for an inspection and reporting service in respect of owned Plant and Machinery which requires thorough examination and / or inspection to comply with statutory requirements made under the following specific Health & Safety legislation
- The Lifting Operations and Lifting Equipment Regulations 1998
- The Provision and Use of Work Equipment Regulations 1998
- The Pressure Systems Safety Regulations 2000
- The Control of Substances Hazardous to Health Regulations 1999
- The Electricity at Work Regulations 1989
Engineering Insurance
- Insurance cover automatically applies to the component part receiving statutory inspection.
- Covers:-
- Damage to Boiler / Pressure plant due to Breakdown and / or Explosion or Collapse: Limit of Liability: £500,000
- Damage to Own / Surrounding Property following steam Explosion: Limit of Liability: £1,000,000
- Damage to Lifting and / or Handling Plant due to Breakdown: Limit of Liability: £500,000
- Damage to Electrical / Mechanical Plant due to Breakdown: Limit of Liability: £500,000
- Policy excess of £100 is applicable
- This insurance summary is designed as a guide only to the cover provided and full policy details can be obtained from Keegan & Pennykid (Insurance Brokers) Ltd.
Motor
- Private cars
- commercial vehicles
- minibuses (more)
- other special types can all be included
Household
- Household covers all types of household arrangements
- Buildings & Contents
- supported accommodation
- refuges
- housing associations
Travel
- Cover can be arranged on an annual basis for staff and/or volunteers travelling abroad and/or in the UK involving an overnight stay on the Organisation's business (more)
- Cover includes:
- Medical expenses
- Cancellation / Curtailment
- Baggage and Money
- Personal Accident
- Legal Expenses
- Personnel Replacement
- Personal Liability
- Cover can be tailored to the Organisation's travel pattern over the year
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