It's important your limit of indemnity is high enough to protect your organisation in the event of a liability claim. Claim amounts for serious injuries have hugely increased following changes by the Government. Taking this into account we advise the following:

• £5 million: our suggested minimum limit of cover
• £10 million: a reasonable limit for higher risk activities or where more than one person could be injured at any one time

Below are brief explanations of each cover available.
Download the full policy wording document here (opens new window).

• Public & Products Liability covers you (compensation amount & legal costs) for claims made by a member of the group/public who has suffered an injury or property damage as a result of your actions. We suggest a minimum level of £5 million following changes to claim rules, which has increased payout amounts.
• Employer’s (Volunteers) Liability covers you (compensation amount & legal costs) for claims made by an employee or volunteer who has suffered an injury as a result of your actions.
• Trustee Indemnity covers the group and the individuals running the group (compensation amount & legal costs) for claims arising from 'wrongful acts'.
• Legal expenses covers you for the legal costs in unforeseen legal matters. (Costs relating to a claim are covered by respective section).