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.