We have access to a range of specialist CaSE Insurance policies developed for Civil Society by aQmen Underwriting Services.
As part of PIB Group, a growing group of insurance advisory businesses, we can access a wide variety of other solutions, including xCenta, an online risk management service and our specialist risk management and employee benefits teams.
The CaSE Insurance range of charity insurance products has been designed to meet the requirements of faith-based organisations and places of worship. It is available as a package or a bespoke, combined policy. It provides comprehensive cover, is flexible and can be tailored to an organisation’s needs.
What cover is available?
- Automatic cover for a wide range of activities & events
- Hirers’ Liability included under Public Liability
- ‘Walk-in theft’ included under Property Damage
- Subsidence cover available under Property Damage
- Cover for high-value religious items available
- Trustee Indemnity with cost-effective extensions
Features and benefits
- Tailored policy: only pay for the cover your organisation needs
- Risk management support from our experienced team
- Access to the MyWave Connect Information Portal
Sections of cover
Public Liability is an important insurance for charities, social enterprises and faith-based organisations. It protects you from the cost of claims made by third parties (such as a member of the public, a service user or another organisation) such as for injury or damage to property caused by your organisation’s negligence. Also providing cover for damage or injury caused by property or land which the Insured own or control (Property Owner’s Liability).
The cover will also include negligence in the provision on medical treatments where the service is provided by a qualified practitioner, following instructions or administering prescriptions provided by a medical professional
Products Liability covers you for the cost of a claim for injury or damage caused by a product you either supply or produce.
These two insurances are often packaged together.
Employers’ Liability is legally-required for your organisation if you have any employees. This insurance protects you against the cost of paying claims for illness or injury sustained by your employees or volunteers as a result of your negligence.
Property Damage provides cover for your organisation’s assets, such as buildings, contents and other physical property you either own or are responsible for. Another section of cover called Specified Business Equipment All Risks provides cover for equipment used away from your premises.
Specified Business Equipment All Risks provides cover for business equipment and other items at or away from the premises. Equipment normally insured under this section includes laptops, mobile phone and portable electronic equipment as well as other items such as camping equipment, regalia and trophies.
Business Interruption covers your organisation for losses caused by interruption to your activities and operations following an insured incident at your premises where there is material damage insurance in place. Different types of Business Interruption cover available include Additional Expenses, Loss of Revenue or Gross Profit, or Rent.
Trustee Indemnity insurance can cover individual Trustees, Directors or Officers from claims arising out of an act, error or omission by a trustee. This is not a legal requirement but is often viewed as a means of financial protection in the event of civil litigation and it reassures trustees that there is insurance to protect them if they are held to be personally liable.
This section can include extensions for Employment Practices (losses in connection with a breach of an employment contract or a dismissal or pay dispute), and where not insured separately, Professional Indemnity (losses from errors in the provision of advice, design or consultancy to a third party) or Fidelity Guarantee (theft of money or assets by an employee or volunteer).
Legal Expenses insurance protects your organisation from the legal costs arising from a range of scenarios including legal defence of contract disputes, appeals and investigations. This cover provides peace of mind to your organisation through access to legal advice and to provide financial protection in the case of unexpected legal proceedings.
Non-profit organisations often host fundraising and community-based events that require insurance. Venues may require you to hold Public Liability in order to host an event on their premises. Many types of events are included under Public Liability, but this can be extended for larger events. CaSE Insurance can also offer Event Cancellation cover.
Cyber Loss Recovery will provide expert IT support services, plus legal and public relations advice, in the event that you’re the target of a cyber-attack. The cover will help identify and rectify issues such as hacking, viruses and ransomware, re-instate any lost or damaged data, and assist with the process and costs of notifying affected data subjects and the regulators.
This provides cover under the Property Damage and Business Interruption sections of cover where these sections usually exclude losses as a result of acts of terrorism.
Equipment Breakdown insurance provides you with cover for the direct losses experienced following electrical or mechanical breakdown of a very wide range of equipment. As well as electrical and mechanical breakdown (including explosion or collapse), this section of cover includes operator error leading to breakdown.
Group Personal Accident insurance can provide financial support for your organisation following bodily injury or death of an employee, trustee or volunteer. This cover should not be confused with Employers’ Liability cover which allows for legal redress in the event of death or injury due to negligence.
This section can provide cover for theft of money and fraudulent use of stolen credit or debit cards. It can also provide financial support for your organisation following bodily injury or death of an employee, trustee or volunteer as a result of an assault in the course of their duties.
Property Damage Loss Recovery will provide you with support should you suffer a loss of physical property estimated at over £5,000. The policy will cover for the services of an expert loss adjustor who will work on your behalf to put together a claim, liaise with suppliers and insurers, and help you get back up and running as quickly as possible.
Provides cover for the loss of insured goods whilst in transit.
This section can provide cover for the costs and expenses in connection with an appeal against a loss of a premises licence or care home registration, and the reduction in value of your interest in the property or business in the event of the licence or registration being revoked.
This section can cover for the cost of the excess or reduction in no claims discount under an insured persons' private car motor insurance as a result of an accident whilst acting as a voluntary driver for the insured organisation.