Are you involved in running a Patient Participation Group? If so, have you considered who might be sued if a member of the group was injured, or caused an injury to another party during the course of being engaged on PPG work?
There is little clarity currently available about Patient Participation Group Insurance. Unlike Local Healthwatch (LHW) organisations which are clearly identified as a ‘body corporate’ (ie a legal entity) which is a social enterprise, (source Napp) the PPG’s have not been given any formal legal framework. So many PPG’s may be expecting that their local surgery will provide an indemnity should there be an incident involving the PPG which gives rise to a legal liability. This may be the case if the surgery insurance has been extended to include the PPG.
If the PPG is properly constituted then they could well be classed as a separate legal entity. The surgery insurance may not extend to cover the PPG, especially if the PPG is carrying out activities away from the surgery premises. Some PPG’s may also represent a number of practices within the CCG – if this is so, it is unlikely that cover is in force under any one surgery insurance policy.
Patient Participation Group Insurance can be arranged on a bespoke basis. Where the PPG gives out advice there may be an exposure to professional negligence claims. The trustees, officers or decision makers can take out Trustee Indemnity Insurance to cover risks associated with “wrongful acts”, breach of duty or trust. Other PPG’s we insure carry out other activities like arranging walks, selling second-hand books, cakes and crafts. If you have any questions or feel you need to check if you need insurance cover for your group, please do not hesitate to contact us on 020 8651 7420.
As specialists in the charity insurance sector we constantly talk to prospective clients who are seeking to review the insurance requirements for their charity.
There are a plethora of companies purporting to be able to offer charity insurance so we had a quick look at the those appearing on the first page of Google for “Charity Insurance” to see who are our competitors and what type of advice our prospective clients might be receiving.
Sometimes some of the most obvious things in life are actually the most difficult to do. I find this quite often, especially when setting up marketing campaigns, because very often all you have to do is follow a very simple and commonsense plan of putting things together to make it work. Often you will find you have a mental block and this can be for a number of reasons including the fact that you might be an ideas person rather than a completer finisher. I was reminded of this when I was reading Matt Birds new book Relationology: 101 Secrets to Grow Your Business Through the Power of Relationships. This is the extract which caught my attention:
Finalists in the Charity Times Awards 2009 for providing outstanding insurance services to the charity sector
We were delighted to be finalists for this award in 2009. Coming second to a major international insurer (who were chosen because of their corporate Social Responsibility programme) was an immense achievement and was made possible because we are able to act quickly to meet the needs of our clients.
Simon Hickman, Managing Director of Access Underwriting, said: “We were delighted last year to have been a finalist for this Award and are now highly delighted to have been a finalist again!”
Access Insurance is an experienced and fast growing charity insurance broker, having had a 50% growth in charity clients in the last year alone. We are now trusted to act for a range of over 2000 charities, churches and voluntary groups; including community centres, museums, drug rehabilitation units, caring organisations, community radio and homeless shelter projects. We have designed dedicated services to meet the needs of small, medium and large charities through dedicated channels of highly trained staff. We also effectively negotiate special schemes and tailor-made insurance for our charity clients to ensure they get best value for money.