Some hints when considering insurance and risks

  • Obtain professional advice and assistance from a qualified insurance broker.
  • Investigate group insurance schemes (e.g. National Professional Indemnity Scheme for Community Legal Centres).  Group coverage policies may reduce premium costs.
  • Check if group insurance coverage is part of a funding source that already covers the association.
  • Regularly check insurance cover and policies to ensure that you are not under‑insured or over-insured.
  • Consolidate policies where possible – packaged insurance may be more cost effective than individual cover.
  • Undertake regular risk management to identify, assess and manage risks.
  • Ensure that all office bearers, committee members, management and staff are aware of their legal responsibilities.
  • Ensure that all officers, management and staff receive ongoing training on professional standards of conduct and occupational safety and health.
  • Ensure that relevant policies and procedures concerning risks (e.g. professional standards and health and safety) are developed, implemented and maintained.
  • Enhance security and fire safety mechanisms (e.g. locks, fire extinguishers, fire safes, sprinklers).