Professional Indemnity Insurance for charities

Professional Indemnity Insurance for charities

Professional Indemnity Insurance for charities

Whenever a charity provides a professional service, such as counselling, or any form of advice or information, the charity may be held liable if the service, advice or information was provided negligently. The charity could be held legally liable for loss, injury or damage that was sustained when the service was provided or as a result of following the advice or information.

Regardless of how many years’ experience your organisation may have, there is always the possibility you (or one of your team) could make a mistake.

 

What’s covered?

Your civil liberty as a result of giving negligent advice or professional services. Even if you’re offering advice for free, you could still be sued.

 

Professional indemnity insurance covers against a wide range of scenarios, including:

  • Professional negligence (i.e. providing incorrect advice)
  • Loss of documents or data
  • Unintentional breach of copyright and/or confidentiality
  • Defamation and libel
  • Loss of goods or money (your own or for which you are responsible)

 

Organisations providing medical treatment will need a more specialist medical malpractice insurance.

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FAQ

What is professional liability insurance?

Professional liability insurance covers negligent work or advice by an individual or an organisation. 

Which charities might need professional liability insurance?

Charities or organisations providing advice or professional services, including legal and financial advice, should consider taking out professional liability insurance. Even if it is offering advice for free it could still be sued, and need to pay the cost of defending those claims.  

What does professional liability insurance cover?

Professional liability insurance covers a charity’s or an organisation’s civil liability arising from negligent advice or professional services it provides. 

Does a charity providing medical treatment need professional liability insurance?

Organisations providing medical treatment will require a more specialist medical malpractice insurance.