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Do I need professional indemnity for charity work?
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Posted By Phillip
Your opinions would be valued.
I work as a consultant for a firm and so have professional indemnity when working. I also am a governor for my local school and so did the fire risk assessment for the school.
I know of another head who would like me to do his fire risk assessment and I would be glad to help on a non fee basis - doing my bit for the community etc etc. Do I need professional indemnity for such work or for carrying risk assessments for other charities (village hall etc)?
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Posted By Robert K Lewis
Phillip
You really need to talk to your insurer on this as we cannot know the details of your policy. You may already have exceeded their scope with your free work to your own school.
Bob
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Posted By CFT
Phillip
Yes, as you will have nothing to fall back on if anything untoward were to happen. I doubt that you could get a restricted form of PI as the whole point (as identified on another thread) is the period of time a claim may be made.
In addition, the FRA will be a live system both practically and from a documented aspect, and as such will require review from time to time, perhaps more frequently than you may at first think; for that reason alone I simply cannot see how this will work, unless you are to do the initial assessment and have someone contracted to review it, or, have someone trained to continue the procedures .
All the best
CFT
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Posted By Kieran J Duignan
Philip
As a (FORMER) school governor, I have given some thought to the dilemma you face.
I came to view it in terms of dilemmas arising from contrasting social values. One social value is expressed in laws and regulations which oblige leaders of an organisation to control risks to the pupils, staff and other stakeholders. Another social value is expressed in the level of funding that all stakeholders provide to support the organisation supply goods and services.
Where there is a gap between the level of available funding and the level of finance needed to safeguard pupils, staff and others, conducting a fire risk assessment is one option available to a governor with specialist understanding of safety management. Another is to offer a workshop for the governors, open to officers and councillors of the local authority, on management of safety of pupils and staff.
Perhaps this is a choice open to you which it might be advisable for you to consider now rather than only in retrospect in the event of an actual claim on your PI policy?
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Posted By David Bannister
Philip, as a consultant I have done work for a charity at nil cost but only later realised that this could have come back to bite me. I then decided that if a charity wanted some of my time and expertise in the future they would have to pay for it. Then depending on my personal opinion of the activities of the charity I would make an appropriate charitable donation. As I'm self-employed this is an easy process.
Could this work in your particular circumstances?
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Posted By Liesel
Worth asking if the charity has PI cover. Some do- can get a good rate at a specialist insurer for cover for directors' indemnity which also covers officers of the charity on PI- a little railway I work with has such cover in place. Also some can be extented to all those volunteers of the charity for a very small increase- maybe worth asking about?
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Posted By Ian
Would your company you are employed by, be interested in consulting you out to the school, at a really reduced rate, (I'm taking it you'll be doing it in your own time anyway) as a nice PR exercise?!
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Do I need professional indemnity for charity work?
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