As a subsidiary of The Scout Association providing insurance for Scouts, Girlguiding UK and other youth charities, Unity Insurance Services has unrivalled experience, expertise and knowledge of the insurance needs of the youth sector and the way children's charities and youth groups operate.

Unity Insurance Services:

• Is one of the UK’s largest insurance broker for the youth sector;
• Insures over 500,000 children and young people and over 100,000 adult staff and volunteers who work with them; and
• Provides protection and re-assurance to those working with children and young people so they may do their job without fear of litigation.

Specific Risks faced by Children's and Youth Charities
As well as the general risks faced by a charitable organisation it is the more complex liability exposure for youth and children’s charities that can be the most daunting. Unity Insurance Services has particular expertise in this area and can help you to manage these risks. Whether it is:

• a child becoming injured during an activity or whilst under your care;
• a young person claiming to have been ill treated by a volunteer or member of your staff; or
• more serious allegations of neglect or abuse be it physical, mental or sexual.

Any form of ‘harm’ could lead to civil actions of negligence against those and the entity itself who could have taken steps to prevent it either as damages to a victim or legal costs arising out of the alleged incidence. Aside from the financial and reputational costs to your organisation, the personal consequences are often devastating for all.

As a result, youth and children’s charities often find it difficult to get cost effective cover as some insurers often have low appetite for such exposures. Therefore getting the right guidance and advice from a broker who understands what you do is essential.

Because of our long-standing experience and insight of youth organisations, our insurers know:

• We have better understanding of youth groups and children's charities than other brokers.
• We can provide a more detailed picture of risks of our clients.
• We are able to advise on risk management, child protection and safeguarding policies based on our experience of being part of a youth charity ourselves.

Furthermore, we work with insurers who specialise in these complex areas and who are flexible and seek our expertise when it comes to negotiating cover or settling claims for our children's charity and youth group clients.

This places Unity Insurance Services in a strong position to offer you packages, covers and terms specifically designed for children's and youth charities, and in many cases resulting in better cover for less money.

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