You should include in agreements and policies what insurance volunteers are covered by, what they can or can’t do under the insurance policies and any updates over time.

You must also have adequate insurance in place because of the liabilities presented, particularly regarding negligence and breach of duty of care under the health and safety directive.

Identifying who is liable and what insurance is needed for volunteers will depend on the organisation’s structure, and the roles volunteers will take. There are a variety of covers that can protect you and your volunteers, such as public liability, employer's liability, personal accident and professional indemnity insurance.

To speak to Access Insurance Services about the appropriate covers and level of protection for your organisation please contcat us at buy@cscbg.org.uk or call on 01908 663958.