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Frequently asked questions

Take a look at some of the common questions asked about our Charity Shield policy.

  • How does the Charity Shield policy differ from an ordinary business insurance policy?

     
    Charity Shield has been designed to meet the insurance needs of charities, community groups and not-for-profit organisations operating in the UK.

    It offers a wide range of cover and incorporates a number of features not normally found in a standard business policy, e.g. charity trustee insurance, bequeathed property, death of a patron, authorised volunteers.
  • Do we have to take all of the cover offered by the policy?

     
    No, the policy is very flexible and allows you to tailor the cover provided to your particular needs.
  • How do we know that we are insuring our property for an adequate amount?

     
    To help you to ensure the adequacy of your buildings sum insured we can, in most instances and at no additional cost, provide advice regarding the sums to be insured for insurance purposes using our team of specially trained surveyors.
  • Having established adequate sums insured, how can we protect them against the effects of inflation?

     
    The policy offers a choice of inflation protection measures. Unless you choose otherwise, inflation protection is provided by linking sums insured to a relevant index.
  • Will we be protected if an authorised volunteer is injured whilst working for the charity?

     
    Under the Employers’ liability cover provided by the Charity Shield policy you will be indemnified against your legal liability to pay damages and legal costs arising out of bodily injury to an employed person, including authorised volunteers, caused during the period of insurance.
  • Is there any cover for loss of funds through fraud under the Charity Shield policy?

     
    Yes, subject to the existence of appropriate controls, cover can be provided for loss money or goods belonging to the charity caused by an act of fraud or dishonesty by any employee or authorised volunteer, including by employees or authorised volunteers acting in collusion. 
  • Why does a community group need insurance?

     
    The organiser or the organising committee or council may be responsible for any injuries or damage to property caused by the group's activities. 

    It is prudent to arrange insurance to cover these liabilities. 

    The group may also have valuable equipment or other property, which it may wish to insure against loss or damage, or subscriptions and other money, which it may wish to insure against loss. Our Charity Shield policy is designed to provide this cover.
  • Does the Charity Shield product liability include any food or beverages we may supply?

     
    Yes.
  • Our community group meet on hired premises. Will the policy cover us for any loss or damage we may cause to those premises?

     
    Yes, the Charity Shield policy will provide cover for your legal liability for accidental loss or damage to property hired by you at which you are carrying on your activities.
  • Will the policy apply if one member of the group causes injury to another member of the group in the course of our activities?

     
    The public liability section of the Charity Shield policy can be extended to include 'member to member' cover, when required.
  • What cover does the policy provide for volunteers?

     
    The public and product liability sections of the policy will provide cover if authorised volunteers cause injury to members of the public or damage to their property whilst carrying out the activities of the group. 

    The organiser/organising committee or council may be legally liable for injury to or illness of authorised volunteers, which arises as a result of their participation in the group’s activities, similar to the liability they would have for employees. 

    If the group have any employees or authorised volunteers the Charity Shield policy can be tailored to include employers’ liability insurance. Employers’ liability insurance, where it applies, is, of course, required by law.
Methodist Insurance PLC (MIC) Reg. No. 6369. Registered in England at Beaufort House, Brunswick Road, Gloucester, GL1 1JZ. Methodist Insurance PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Firm Reference Number 136423.