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.
Enter this Church Community Campaign competition to win £10,000 for your cause.
We are working with one of our main church insurers, Ansvar Insurance, to look for churches who have set up projects for the benefit of their local community. If you have got a project you want to talk about, tell them in up to 1,000 words and contact them before 5pm on May 31st 2016. This can be by email to firstname.lastname@example.org or in writing to Church Community Competition, Ansvar House, 31 St Leonards Road, Eastbourne, East Sussex, BN21 3UR.
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.
‘Having a broker who is also a Christian makes a difference. We understand each other’: Pastor Joseph Aderibigbe
The pastor of a church in Fife, Scotland, identifies the significance of what Access Insurance offers as a specialist church insurance broker. Not only do they bring the many benefits of being a broker but the added understanding of what churches are doing and why. Having someone fight your corner is always reassuring but even more so when coupled with genuine interest and understanding for your purpose.
Like most church leaders, Pastor Joseph Aderibigbe is constantly busy caring for his congregation and reaching out to his local community. By using a church insurance broker, he saves considerable time, avoiding the work of contacting different insurance companies to obtain quotes and negotiate prices. Pastor Joseph Aderibigbe confirms, ‘It takes a lot of work from us as we’re not experienced. Access has the experience’.
Whilst reviewing your insurance arrangements may seem onerous and time consuming, it is an opportunity to ensure your church is adequately protected, and that you are getting the best value for money. There are a few key steps that can help your church purchase the most appropriate and cost effective insurance policy:
Use a broker
An insurance broker should use their extensive market knowledge, contacts and access to a wide range of insurers to negotiate the best deal on your behalf. They also have more bargaining power than an independent church. This is particularly useful in the event of a claim. The broker gives neutral advice and support, and can use their experience to present your case to the insurers in the best possible way.
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:
Access Underwriting has no connection with AccessBI
The Financial Conduct Authority has confirmed that they are investigating a firm called AccessBI Limited – you can read the news here: Insurance Age and here Post Magazine
As we are receiving calls from insurers and brokers, we confirm that Access Underwriting Ltd has no links, common directors and no connection with AccessBI Limited (Company No. 05837919) who are a subsidiary of Access Risk Management Group Limited (Company No. 06057474) and has placed no business with the group. We can assure all our clients that they have been placed with authorised insurers and that there is no reason to be concerned.
Charity Staff and Volunteers Awards – Charity Staff Foundation
We were delighted to sponsor the Charity Staff and Volunteers Awards, run by the Charity Staff Foundation. There were more than 700 amazing nominations for the 20 categories of awards. The award for the Volunteer Coordinator of the Year award 2014 was presented by Simon Hickman, our Managing Director.
The finalists were Sue from the Canal Rivers Trust, Catherine from P3 Social Inclusion Charity and Tricia from Time To Change. All three have made outstanding achievements for their charities.
Access Insurance have formed links to work closely with Churches Child Protection Advisory Service (CCPAS ), the Christian charity providing professional advice, support, training and resources in all areas of safeguarding children and vulnerable adults. CCPAS outlining what the charity does and how it can help other charities and churches:
Founded over 30 years ago, CCPAS exists to set (and maintain) standards in safeguarding. It is the only independent Christian charity providing professional advice, support, training and resources in all areas of safeguarding children and vulnerable adults.
When was your Church Safeguarding policy last reviewed?
In a busy church life, it is easy to forget about the need to regularly review and update your Safeguarding policies. Circumstances can quickly change within a church, whether through new activities, meeting facilities or people for example, leaving some safeguarding issues unaddressed.
By keeping Child and Vulnerable Protection policies regularly updated, not only helps to protect these individuals and the staff and volunteers that work with them, it fulfils insurer requirements in respect of the churches duty of care.