HOSPITAL & COMMUNITY RADIO INSURANCE
As a specialist charity insurance broker for small to medium sized charities, we have strong relationships with charity insurance companies to offer a range of cover to meet the insurance needs of most charities, voluntary and non-profit organisations. We have negotiated discounted rates for Hospital and Community Radio Stations with insurers.
Please contact us on 0845 257 1355 to discuss your requirements. Alternatively you may submit a request at our secure site server.
With the growing trend to resort to litigation in today’s society, there is an ever increasing exposure to liability risks and litigation costs.
In addition, other financial and legal requirements place a more onerous responsibility on officials and trustees to ensure that adequate insurance arrangements are in place.
Our cover is simple, but flexible enough to meet the needs of the most demanding chairman or secretary both now and in the future. Also see our additional benefits page here.
You can accept your quote here.
STANDARD AND OPTIONAL INSURANCE COVERS:
Standard Cover includes:
PUBLIC LIABILITY: Indemnity Limit £5,000,000
Legal liability for damages, legal costs and expenses as a result of injury to the public or damage to their property, including fund raising and other special events agreed by us.
Costs and expenses in defending proceedings under the Health and Safety at Work etc. Act 1974.
Damage to hired or rented property occupied by you (there will be an excess, usually £100 in respect of third party property damage is not covered.
EMPLOYERS LIABILITY: Indemnity Limit £10,000,000
Legal liability for damages, legal costs and expenses as a result of injury to employees or voluntary workers.
OPTIONAL LEGAL EXPENSES: Indemnity Limit £50,000
Legal costs and expenses for you, your employees and voluntary workers in connection with matters arising from your activities. The limit can be increased to £100,000. this cover is very important as it protects against large legal bills.
Other optional Cover includes:
Contents Cover, including studio equipment, Music Library, Office Contents - please ensure you have a correct sum to replace your contents.
All Risks cover on equipment used away from the studio, e.g. for outside broadcasts. You may need to list these items.
Buildings, including portacabins
Caravans
Personal Accident
Money
Volunteers Motor Excess
Trustee Indemnity - (see notes on this at the end of the page)
Terrorism
Interruption insurance cover e.g. Extra expenses
Higher indemnity limits and sums insured are available and additional sections of cover can be added.
FLEXIBLE POLICY
We can tailor make your policy so that you may choose to cover liabilities only and other combinations of cover. If at any time you need more cover the policy can be adjusted accordingly.
CALCULATING SUMS INSURED
When calculating your sums insured you should include VAT to the extent that you may be liable to pay it.
Buildings - the cost of rebuilding as new including an additional amount to cover debris removal, architects’ and surveyors’ fees.
Contents and All Risks - the cost of replacement as new or, when specified by you, the replacement cost as second hand i.e. deducting for wear and tear.
Extra Expenses - the estimated additional costs you will incur during the Indemnity Period in trying to minimise the loss (including the cost of removal to temporary premises, increased rent, rates, salaries, and the cost of clerical time in reproducing business books and documents, and up to £2,500 for computer systems records).
Loss of Income - the estimated annual gross income (includes Extra Expenses).
Gross Profit - the amount by which the sum of turnover plus the value of closing stock and work in progress exceeds purchases plus the value of the opening stock and work in progress and uninsured working expenses.
An allowance for any inflationary trends and any expansion should be included.
ADDED BENEFITS
Also see our additional benefits page here
No claims bonus incorporated.
3 year Long Term Undertaking to help maintain rates subject to renewal offer by you.
24 hour emergency assistance help lines
Index linking of sums insured
Payment options include direct debit
SPECIALIST INSURANCE: CHARITY & CHARITY TRUSTEES INDEMNITY INSURANCE
This insurance is specifically designed to cover the principal liabilities incurred by charities and their trustees. Standard cover does not include Professional Services and a separate proposal form is required if you require this cover: Charity Trustee Indemnity Insurance Proposal. The cover brings peace of mind to the charity trustees, directors and officers who can be secure in the knowledge that most personal losses will be met. Click here for some claims examples.
Typical costs for Hospital and Community Radios are £105.00 for £100,000 cover and £165.00 for £250,000 - scheme discounts may also apply
You should check with the Charity Commissioners for their confirmation that the cover can be taken out.
Please click here to view (Acrobat .pdf file) a guide to Trustees and Directors & Officers Liability produced by Ansvar Insurance, winner of the Insurance Services of the Year Award at the UK Charity Awards 2001.
To request a quotation please call 0845 257 1355 or use our online form.