Charities’ costliest insurance claims revealed

Employer and public liability issues result in the costliest insurance claims for charities, research has found.

The average cost of each of these liability issues is just under £24,000, according to the research revealed by charity insurers WRS Insurance Brokers.

This can involve staff or volunteer injuries, such as slips and falls and property damage caused by charity activities.

The insurer cites the example of one claim where a charity staffer was injured while delivering furniture on a tail lift and handing down items. They lost their balance and the claim is ongoing.

Charities are recommended to conduct regular risk assessments to identify potential hazards in public places such as loose flooring in a community hall or poor lighting in a car park.

They are also being urged by the insurer to ensure that all equipment at events, such as a bouncy castle and kitchen appliances are properly maintained.

Managing crowd control and putting up clear signage for emergency exits are also advised.

Staff and volunteer safety training is also vital, including first aid training and handling techniques such as in a charity shop when lifting heavy boxes.

The next costliest insurance claim is burst pipes and water leaks, with the average claim costs more than £8,000. This is particularly an issue during cold weather and can cause extensive damage if not addressed swiftly.

The insurer gives the example of a charity client who suffered a leak at their early years setting with a roof’s temporary cover during heavy rainfall.

Meanwhile, storm damage claims cost charities an average of £3,000. This can include a tree falling onto a property.

"These claims highlight the significant risks charities face,” said WRS senior claims executive Emma Jeffery.

“Ensuring the right cover is in place can make a huge difference in how organisations recover from unexpected events.”



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