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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
Scout group will only need to buy Professional Indemnity Liability insurance, if it provides and charges for training to people outside Scouting.
To run a First Response course, the trainer is required to be either an externally qualified First Aid trainer, or hold a Full First Aid Certificate and The Scout Association’s Presenting and Facilitating modules.
The Scout Association’s Public Liability Policy will cover Scout Leaders who provide first aid training to other people in Scouting and Guiding.
However, if a Scout group provide first aid training for people outside Scouting and Guiding, it will need to arrange your own Professional Indemnity (PI) insurance.