Counselling and support group insurance

To ensure comprehensive protection against claims, we group our public liability insurance and employers' liability insurance together.

Public liability insurance covers the cost of defending your support group if someone is injured, or their property damaged, due to your negligence. An example could be if, during a meeting, a visitor tripped over a cable and broke their wrist. Without cover in place, the legal fees and compensation payments could run into thousands of pounds. Cover for £5m.

Employers' liability insurance is a legal requirement if you employ staff or volunteers. It covers against allegations of injury or illness suffered by staff during their employment. If your community group has employees on a full time, part time or volunteer basis, this cover is essential. Cover for £10m.

To ensure comprehensive protection against claims, we group our professional indemnity insurance and trustee liability insurance together.

Professional indemnity insurance covers the cost of defending your counselling or support group against allegations of professional negligence. This could be, for example, if you provide poor advice or make an insensitive comment to a service user. It covers the legal fees, as well as any compensation that may be payable. Cover from £250k to £1m.

Trustee indemnity insurance (also known as trustee liability insurance) covers the legal costs and expenses of defending against disqualification as a trustee, investigations or extradition proceedings. If your support group has trustees, you should give serious consideration to trustee indemnity insurance. Cover from £250k to £1m.

Property damage insurance covers:

• your buildings
• general contents (including stock)
• computer equipment
• tenant improvements and glass (for which you are responsible) against accidental damage (including theft) while on your group’s premises.

You can also choose to insure your group’s equipment, such as laptops and mobile phones, on a worldwide basis. In addition, you can insure against additional trading expenses following an interruption, for example, a flood that means your group has to operate from other premises.

Money and personal assault insurance covers loss of money for fixed limits up to a maximum of £250,000 for non-negotiable money such as crossed cheques and £2,500 for negotiable money. In addition, if you, or members of your family, or employees, or members of their family, are injured during a robbery or attempted robbery, we will pay you either £5,000 or £50 per week for 104 weeks - depending on the nature of the injury.

Legal representation and employment disputes protects your group against employment disputes, official investigations and other serious matters, including crisis management, identity fraud, official investigations (excluding HMRC), corporate manslaughter, pollution and data protection issues. Cover for £100,000.

Cyber and data risks insurance protects your group in the event of a targeted cyber attack. It pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit. It also pays your legal defence costs and damages you are legally liable to pay to other parties. Cover from £50k to £250k.

Fidelity insurance protects your group against dishonesty or fraud by volunteers or employees. This could be, for example, if the volunteer who handles your accounts was found to have stolen money from the group’s funds for their own personal benefit. Cover for £50k.

Occupational personal accident insurance helps your group’s volunteers and employees if they are accidentally injured in the course of your activities. It pays a weekly amount for temporary total disablement, or a lump sum if they suffer loss of limbs, sight, speech, hearing, permanent total disablement or death. Limits from £100 per week/£25k lump sum to £500/week/£100k lump sum.