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.

What cover you already have

Scout leaders who provide training to other people in Scouting or Girlguiding are covered under the Scout Public Liability policy.

What cover you may need to consider buying

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.

What’s covered?

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)