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Professional Indemnity (PI) or Professional Liability insurance provides protection against a claim made by a third party for an error, omission or alleged breach of professional duty resulting in a loss.
A professional duty would be when a Scout Group provides a service to others, often for a fee, where they are acting as experts passing knowledge on. If someone alleges that the Scout Group provided advice incorrectly, resulting in a financial loss caused from professional negligence, the Scout Group could find themselves facing a claim.
Scout leaders who provide training to other people in Scouting or Girlguiding are covered under the Scout Public Liability policy.
If your Scout Group provides training, advice or other services to people or groups outside Scouting or Girlguiding – particularly if you charge a fee – you may need to take out additional Professional Liability cover. This type of training wouldn’t fall under the Scout Public Liability policy.
Professional indemnity insurance covers against a wide range of scenarios, including:
'They understand the issues which we need to address in arranging insurance for a Scout Group.'
1st Fosseway Scout Group