Team Wilder Resources Local Group Insurance
Insurance for Local Groups
This is not formal insurance advice. Insurance is a small amount of money that you pay to an insurance company. If something goes wrong, the insurance company should help you. Insurance has two aims.
- It helps you, staff, and volunteers if something goes wrong.
- It helps the public if something goes wrong.
But insurance on its own won’t stop things going wrong. You must start with a ‘risk assessment’ and ‘risk management.’ Find out more about risk assessments in our other resources.
Do you need Insurance?
You might not need to have insurance. When your group first starts, you can tell everyone that they are working at their own risk. But you still need to do a proper risk assessment, and you might still be in trouble if something goes wrong.
Another organisation’s insurance might already cover you. It is up to you to check if you are covered, and they will ask to see your risk assessment.
Your local council might cover you with their insurance. Speak to them to find out what they need, and what they will cover.
More info about Insurance
Remember: it’s quite simple to set up your insurance, and often it’s reasonably cheap. It can be a legal requirement to have insurance, so don’t try to avoid it.
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