You hope it never happens, but unfortunately, staff and volunteers can suffer an injury while working.
Often charities don't investigate the cover they need or buy until they are faced with an employers liability claim. Then questions like 'is this person covered' and 'is the cover enough' start to be asked.
Of course, you hope you'll never have to make use of your employers liability insurance, but it's important to understand what is and isn't covered before you ever need to make a claim. This way you'll never be faced with unexpected and expensive costs.
The extent of what employers liability insurance covers is different for each insurer.
Our short guide on Employers Liability for Charities lays out who and what employers liability insurance covers and the key things you need to know before buying.
We produce new guides and partner with other charity experts to produce helpful content to share with our subscribers. If you would like to receive guides and content from Access like our monthly Charities.Network newsletter, then leave your email below.