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The Scouts and Unity take a strong stance on claims made under the Public Liability Insurance.
For a Public Liability Insurance claim to be successful, it's necessary for the claimant to demonstrate that the group were negligent either in their actions or absence of actions resulting in the injury or damage sustained. Unity will involve the services of solicitors to investigate, settle and defend the claims where appropriate.
Claims can be made by the following parties:
If it is a claim against your group for injury, loss or damage
You should NOT:
If you ignore a letter of claim or do nothing, it could result in a judgement being entered against you without further notice.
If you admit liability without notifying your insurer, it can prejudice your case. Insurers are within their rights under the terms and conditions of the policy to refuse cover without notice and you could find yourself facing the full cost of the claim personally.
This means that you will be ordered to pay the amount of the claim (or an amount decided by the courts), including the claimants costs. Generally, costs are more than the claim for damages. The courts will send you a copy of the order stating how much you owe. Your group may be left with a large debt and unable to continue operating.
If the claimant is a member child or leader they may still wish to attend the weekly meetings and, in the absence of any contrary legal advice, there is no objection to this. Unity would advise that if the claim is mentioned that all parties are advised that the matter is being handled by solicitors and that correspondence will be actioned in the appropriate manner.
If you're asked to provide a witness statement to assist the claimant, you're under no obligation to do so.
You should let Unity know and we can advise you of what your options are.
You may find that you receive claims in respect of:
These covers are not provided to local Scouting by the Scout Association. Please check your own policy wording and contact Unity for further assistance.