Group - Insurance For Groups And Individuals
This insurance is for individuals and a range of groups, so whether you are working with children or adults and your activity is educational, social, community, voluntary, support or charitable, 'Group, is the policy for you.
Because of the flexible nature of Group, you select only the cover you need, so for sole traders or smaller groups, you may require only Public Liability insurance, but for larger groups or businesses like a tenants’ association or a youth club you may also require Employers’ Liability, Equipment, Personal Accident and Money insurance. This means that you can obtain the right level of cover to give you true peace of mind at a cost that we believe you will find hard to beat.
To select the right cover for you, please read the Policy Summary section carefully and choose the options you require. In addition, to support all the likely insurance needs for your business/group, we can provide insurance for buildings, cars and minibuses.
See menu on the left for a list of activities/groups we generally cover to find out if our Group policy is right for you. Don’t worry if you want insurance for something a little bit different to those who we have mentioned on our list – this is a flexible policy and we may well be able to provide you with a quotation.
Group Insurance - Cover Includes:
Click on cover for detailed information
- Public Liability limit of indemnity £1 million (higher limits can be quoted for)
If you or your group is held legally responsible for an injury to a child or third party or for damage to a third party’s property, then you will be required to pay damages. Public Liability covers these damages and any resulting legal expenses up to the limit of indemnity. The group policy offers £1m, £2m or £5m limits of indemnity.
High Limits may be available on request.
- Employers Liability limit of indemnity £10 million
If you are an employer, you are required by law to have Employers’ Liability insurance. This covers you in case an employee suffers an accident at work for which you are held legally responsible. Employees include paid or unpaid supervisors, students, work experience students, trainees and volunteers.
- Equipment
This provides cover for equipment belonging to you/the group or for which you are legally responsible at your premises, against loss or damage resulting from the perils of fire, lightning, explosion, aircraft, theft involving violent and forcible entry or exit, riot or civil commotion, malicious damage, earthquake, impact by vehicles, storm, flood or water damage. You can opt to take out cover for Accidental Damage and cover for equipment whilst in transit.
- Group Money
The following are the standard money limits under the policy if you choose this section:
- Money in transit or in a bank night safe: £500
- Money on the premises during business hours: £500
- Money in the home of any authorised Group official: £500
- Money on the premises in a locked safe outside of business hours: £250
Higher limits can be quoted for on request. This section also includes cover for personal assault - please refer to the Policy Summary for more details of this cover.
- Personal Accident for Group Children and Adults
The majority of accidents are dealt with under Public or Employers’ Liability Insurance. However, some accidents are not anyone’s fault and you or the group cannot be held responsible. In these circumstances, the Personal Accident insurance will give compensation provided the accident occurred:
a) whilst the victim was engaged in organised and supervised group activities and;
b) the victim suffered one the injuries specified below:
| Injury |
Adults |
Children |
| Loss of limb(s) |
£20,000 |
£20,000 |
| Loss of sight |
£20,000 |
£20,000 |
| Permanent total disablement |
£20,000 |
£20,000 |
| Temporary total disablement |
£50 per week for up to 104 weeks |
Not Applicable |
| Death |
£20,000 |
£5,000 |
- Buildings
Buildings and outbuildings can be covered against fire, lightning, explosion, aircraft, theft involving forcible and violent entry or exit, riot or civil commotion, malicious damage, earthquake, impact by vehicle, storm, flood, sudden escape of water or oil, falling trees and branches.
Please refer to the Summary for more details of this cover.
- Loss of Revenue
If you are unable to operate as a result of suffering loss or damage by any of the perils covered under the equipment section or you are unable to access your premises because of damage to nearby buildings, this section of the policy would provide protection against financial loss during the period taken for the business to return to normal. The sum insured should be based on your estimate of the gross revenue to be earned in the next 12 months (or any longer period that you choose) with allowances for anticipated growth and inflationary factors.
Please refer to the Summary for more details of this cover.
- Trustees’ and Officers' Financial Liability
If your group is forced to close with insufficient assets to cover outstanding debts, the trustees or officers of your group may find themselves held responsible for such shortfall. However, this cover is only suitable if group is constituted in such a way that the trustees' of the group could be personally liable for the debts of the group. If your group is a company limited by guarantee or a normal company or if the trustees are not personally liable for the debts of the group, then this cover is not appropriate.
- Deterioration of Refrigerated/Frozen Food
Cover is provided for loss by deterioration of stock in any freezer or refrigerated cabinet following breakdown or accidental damage or failure of public electricity supply. The standard sum insured is £500.
Higher limits can be quoted for on request.
- Legal Expenses and Helplines (automatically included in policy)
This section is automatically included in your policy. Cover, which is provided by DAS Legal Expenses Insurance Company Limited (DAS), will pay your legal costs including solicitors’ and barristers’ fees, court costs, expenses for expert witnesses, attendance expenses and accountants’ fees.
Please refer to the Summary for more details of this cover.
For details of full insurance cover click here
