Public Liability Insurance for Scouts

Public Liability Insurance for the Scouts

Public Liability insurance (also referred to as Legal Liability insurance) covers the cost of compensation to third parties for injury to people or loss or damage to property caused by the negligence of your staff, volunteers or members.

The Scouts Public Liability insurance cover

Who's covered

The cover protects commissioners, leaders and other individuals authorised to lead or assist with Scout activities.

It extends to all those authorised to be in charge of Beavers, Cubs, Scouts, Explorers or members of Scout Network, while they’re engaged in a properly organised and authorised activity abroad. It also includes British Scout leaders who assume temporary responsibility for parties of foreign Scouts visiting the British Isles to participate in Scout activities organised by a British Scout group, district or county.

As a member of the Scouts, you’re already insured for Public Liability.

What’s covered

The Scouts Public Liability policy provides security against claims made by members, their parents, guardians or by third parties, alleging legal liability arising out of accidents occurring during any authorised Scout activity.

Property Owners' Liability

The Scouts Public Liability policy also covers the property owner’s liability which rests upon any Scout authority which owns, or is responsible for the upkeep of land or buildings (except for liability accepted under any agreement). This cover would apply if the incident occurred at a Scout run event, or while another organisation was using your Scout premises.

For example if a member of the public trips over at your Scout premises and breaks an arm alleging your Scout Group was negligent you would be covered under the Scouts Public Liability insurance to defend and meet the claim.

Product Liability

The Scouts Public Liability policy also covers the Products Liability which covers your liability for products you make available to the public.

For example, if you are holding a BBQ and serving food or drinks to members of the public you could be held liable if the sausages or chicken are not quite cooked through resulting in illness. Do not worry though, this is covered by the Products Liability section of the Public Liability Policy.

 

    Hirer’s Liability Cover

    With effect from 1 January 2020 the Scout Public Liability policy now extends to cover Hirer’s Liability up to £1m, with an excess of £1,000 for each and every claim.

    These claims could be for accidental damage to a third party’s property or accidental injury caused by the hirer.  This means that Scout groups who hire out their building to third party individuals to generate an extra income stream (i.e for a birthday party), no longer need to ask to see proof of third party liability insurance, which an individual may not have.  

    This only applies to individuals, who hire your Scout premises on an ad-hoc basis, such as a parent organising a birthday party, not businesses or other organisations.  Organisations who regularly hire your premises, such as weekly mother and toddler groups, should have their own Public Liability cover in place.  You should ask to see Public Liability certificates from organisations hiring your premises. 

    The Scouts Public Liability policy now also covers Scout groups for claims made against individuals who hire the Group's premises, provided that:

    1. the person does not have indemnity cover under any other insurance policy (i.e their own household insurance policy)
    2. the claim isn’t caused by any participant or member of the hiring group or organisation to any other participant or member of that group or organisation;
    3. the hirer is not using the group’s premises for bonfires, fireworks, or organised sports activities.

    Regardless of whether the hirer is an individual or an organisation the Scout group shall ensure that:

    1. the hirer is over the age of 18;
    2. the hirer signs and dates a copy of the contract or agreement including the terms and conditions of hire and that a record of this and of the activity undertaken is retained by the group;
    3. the hirer is made aware of the safety and security systems of the premises as well as the exits and escape routes;
    4. a list of the hirer’s responsibilities is provided to the hirer before the contract or agreement is signed, which includes but is not limited to:
    • the need for adequate supervision during the hire of the premises;
    • the use of electrical equipment brought onto the premises;
    • the need for any additional licences required (if required);
    • the number of people allowed on the premises;
    • restriction of the use of additional heating
       

    What isn't covered under the Scouts Public Liability policy

    The Scouts Public Liability policy does not cover legal liability in respect of

    • motor vehicles licenced for road use or for which compulsory insurance is required under the Road Traffic Act, or 
    • the ownership, driving or piloting of aircraft and gliders.

    Nor does it fully cover liability for injuries to third parties and/or damage to third party property arising out of ownership or operation of boats.

    We can arrange motor insurance and marine insurance to cover theses liabilities.

    Indemnity Agreements

    If your Scout group is arranging to use for an event or activity, land, premises or any other facility belonging to another authority, organisation or individual, and you're required to sign an agreement or indemnity, you must contact Unity.

    The acceptability of the agreement or indemnity terms, and the adequacy of the Association’s Public Liability Policy in relation to them, need to be confirmed by Unity before you can proceed with the arrangements, or you can sign an agreement or indemnity.

     

    Public Liability Certificates

    To get a copy of the Scout Association’s Public Liability Certificate, contact us on 0345 040 7703 or email scouts@unityins.co.uk.

    'Unity know Scouting and that gives Leaders comfort that our activities are supported by an insurance broker who knows what we are doing for young people.'

    1st North Cray Scout Group

    Public Liability support we provided to the Scouts

    To find out what to do If a liability claim against your Scout group for injury, loss or damage, please see our Public Liability support for the Scouts page.

    Talk to our team of professionals

    Talk to our team of professionals

    Faizul

    Call me:

    0345 040 7703
    FAQ

    Does a Scout group need to take out a Public Liability policy?

    There is no need for a Scout group to take out insurance for public liability. It’s already covered under The Scout Association's policy.

    Who is covered under The Scout Association’s Public Liability policy?

    The policy provide indemnity for Commissioners, Leaders and other persons authorised to be in charge of, or to assist with, a Scout activity.

    Every Leader or instructor is expected to operate within the rules of The Scout Association for the particular activity. This is a pre-requisite to indemnity being given under the Association’s policy.

    What does The Scout Association’s Public Liability policy cover?

    The Scout Association’s Public Liability policy provides indemnity against claims made by members under their control, or their parents/guardians, or by third parties, alleging legal liability arising out of loss, injury or damage occurring during any authorised Scout activity.

    Are Scouts covered to give first aid?

    If the member is trained and certificated to administer first aid, they are covered under The Scout Association’s Public Liability policy.

    What is Property Owners’ Liability insurance?

    Property Owners’ Liability insurance covers claims by members of the public for injury or financial loss alleging the property owner was negligent.  For example, a member of the public trips over at a Scout premises and breaks an arm alleging the Scout Group was negligent.  It would cover the cost to defend and meet the claim.

    Does The Scout Association’s Public Liability policy include Property Owners’ Liability?

    The Scout Association’s Public Liability policy also covers the property owner’s liability which rests upon any Scout authority which owns, or is responsible for the upkeep of land or buildings.  This cover would apply if the incident occurred at a Scout run event, or while another organisation was using your Scout premises.

    What is Product Liability insurance?

    Product Liability covers liability claims for injury or financial loss from products produced and made available to the public.
     

    Does The Scout Association’s Public Liability policy include Product Liability?

    Yes.  Product Liability is a section of the Scouts’ Public Liability Policy.

    What liability cover may a Scout group need to arrange for itself?

    Liability insurance that a Scout group may need to purchase are: 

    • Employers’ Liability, if it employs staff.
    • Professional Indemnity Liability, if it provides and charges for training to people outside Scouting 

    Do we need extra Campsite liability cover for climbing and abseiling activities for the public?

    No. The Liability cover for climbing and abseiling activities for the public is covered by The Scout Association.