1628_FFC BAD Poster.indd

Make sure your next event is covered

1. What does the Charity’s insurance cover?
2. Why doesn’t the Charity’s insurance provide cover for other charities and causes?
3. What constitutes an ‘external activity’ or ‘external equipment’?
4. Does The Fire Fighters Charity’s insurance include personal accident cover?
5. We’re organizing an Open Day. Can you explain what will/won’t be covered by the Charity’s insurance policy?
6. Why does the Charity’s public liability Insurance not indemnify fire and rescue service employees undertaking a physical ladder climb as a fundraising activity?
7. How do I apply for the Charity’s insurance cover for my fundraising event?
8. Why do 50% of the proceeds from the event have to come to The Fire Fighters Charity for you to provide insurance?
9. I am unsure of the details required on the Risk Assessment Section of my FEN form. Can you help?
10. Along with my completed FEN form, why do I need to submit to the Customer Care team, evidence of insurance for the external activities/equipment being used at our fundraising event?
11. We are offering a prize at an auction for a ‘Fire Fighters Experience’ at our station. Can you insure this?
12. The date of our event has changed. Do we need to make the Charity aware?
13. If there was any damage to a fire station while a fundraising event in aid of The Fire Fighters Charity was taking place e.g. a door came off its’ hinges, would this be covered by The Fire
Fighters Charity’s insurance? 

 

What does the Charity’s insurance cover?
The Fire Fighters Charity’s public liability insurance is in place to provide legal liability cover of up to £5 million for the cost of claims made by members of the public for incidents that occur in connection with events raising funds for The Charity. It covers the cost to the Charity of compensation for accidental injuries and accidental loss of or damage to property.

The insurance covers the Charity’s legal liability only and does not extend to other charities or causes who may benefit from the monies raised, or to any providers of external activities or equipment.

Why doesn’t the Charity’s insurance provide cover for other charities and causes?
The Fire Fighters Charity’s insurance can solely cover its’ own legal liability and cannot extend to provide cover for other organisations jointly involved in a fundraising event. Should a claim arise, the responsibility for covering the associated legal costs will be with the organisation that is deemed liable. It is therefore recommended that any other charities/causes involved in an event have their own insurance cover.

What constitutes an ‘external activity’ or ‘external equipment’?
These are activities or equipment owned and provided by a third party, not by the Charity or Fire Station organising and running the fundraising event. This can include, for example, a bouncy castle, a marquee, fairground rides, external catering, sporting equipment etc.

For events involving a bouncy castle or inflatable, please refer to our insurer’s ‘Inflatables Policy Conditions and Risk Management Guidelines’ available on the Charity’s intranet or from the Customer Care Team. These notes inform those proposing to hire/use inflatables at an event, on the hazards of inflatable play equipment, guidance on hiring and safety instructions.

The Fire Fighters Charity will not provide cover for Fire and Rescue Service owned bouncy castles. Our insurers would expect these to be covered under the Fire and Rescue Service’s liability insurance policy.

Does The Fire Fighters Charity’s insurance include personal accident cover?
The Charity’s insurance does not provide compensation to employees and volunteers arising from accidents while working in connection with an event raising funds for The Fire Fighters Charity. Should you be taking part in a high risk event, for example a cycle ride, a run, a rugby match or a rowing event, then you will need to hold your own personal accident insurance policy.

We’re organizing an Open Day. Can you explain what will/won’t be covered by the Charity’s insurance policy?
As recommended by the Charity’s insurers, activities taking place at open days have been divided into three categories to determine eligibility for public liability cover under The Fire Fighters Charity’s insurance policy:

Community Awareness Activities

Our insurers would expect such activities to be covered under the Fire and Rescue Service’s liability insurance policy as they are activities carried out by the Fire Service in the course of their normal business remit. Examples of this type of activity include fire appliance demonstrations, ladder climbs,
chip pan fire demonstrations or vehicle extractions. Our insurers do not need to see evidence of insurance or maintenance programmes for activities/equipment covered under the Fire and Rescue Service’s insurance.

Non-Community Awareness Activities

The Fire Fighters Charity’s insurance policy will potentially indemnify the Fire and Rescue Service and The Fire Fighters Charity for these activities. Examples include selling food, barbeques, face painting or car washes that are carried out by Fire and Rescue Service employees, members of their families or volunteers. These activities need to be clearly detailed in the FEN form submitted to the Customer Care team.

External Activities/Equipment

The Fire Fighters Charity are unable to provide insurance cover for any external activities/equipment provided by third party suppliers such as bouncy castles, fairground rides, marquees, external catering etc. If any such items are to be used at a fundraising event, along with detailing them in the FEN form, we need to be sent evidence of public liability cover for the activity/equipment with a minimum limit of liability of £5 million for our records. Having evidence of insurance cover for external activities/equipment on our files helps to protect The Fire Fighters Charity in the event of a claim.  If an open day involves only Community Awareness Activities, a FEN form does not need to be submitted to the Customer Care team. However, it is always worthwhile notifying your Regional Fundraiser that the event will be taking place so they can provide you with support and guidance on how to further raise the profile of the Charity and help you to maximise the income raised from your event.

Why does the Charity’s public liability Insurance not indemnify fire and rescue service employees undertaking a physical ladder climb as a fundraising activity?
This is because the Charity’s insurance company consider this to be an activity carried out by the Fire Service in the course of their normal business remit.

The Charity would also not be held accountable for any equipment used for the climb as this is expected to come under the jurisdiction of the Fire and Rescue Service. In the event of an injury/damage to the public at such an event specifically resulting from the climb, again, the Charity would not be responsible for insuring the Fire and Rescue Service.

The Customer Care team would therefore not need to be sent a completed FEN form for this type of fundraising activity. Instead it is recommended that should a ladder climb kindly be organised to raise funds for The Fire Fighters Charity, in order to protect yourselves, you should check that your fire service can cover the ladder climb under their policy.

Any volunteers helping with a ladder climb held either at a fire station or at an external venue by collecting donations would potentially be covered by the Charity’s public liability insurance in the usual manner. In this instance a FEN form would need to be submitted to the Customer Care team for this activity.

On the rare occasion that a member of the public or a family member of a serving or retired fire fighter would like to participate in a ladder climb to raise funds for The Fire Fighters Charity, a FEN form would need to be fully completed and submitted to the Customer Care team.

How do I apply for the Charity’s insurance cover for my fundraising event?
You need to fully complete a Fundraising Event Notification (FEN) form. This can be downloaded from the Charity’s website, intranet or by contacting the Customer Care team.

Please submit your completed FEN form at least 3 weeks prior to your event to fundraising@firefighterscharity.org.uk or post it to The Customer Care Team, The Fire Fighters Charity, Level 6, Belvedere, Basing View, Basingstoke, Hampshire, RG21 4HG.

Why do 50% of the proceeds from the event have to come to The Fire Fighters Charity for you to provide insurance?
Our insurance cover costs the Charity a significant amount of money each year and therefore we are unable to insure events where less than half of the proceeds are being donated to The Fire Fighters Charity.

I am unsure of the details required on the Risk Assessment Section of my FEN form. Can you help?
To help make the process more straightforward for those wishing to fundraise for us, we have produced FEN forms incorporating sample Risk Assessments for some of the most popular fundraising activities, specifically car washes, fire engine pulls, sporting events, general collections and Christmas float collections.

As these are sample risk assessments, it is important that they are revised to incorporate all hazards relating to your specific event and where it will take place. FEN forms submitted without the sample risk assessment details having been adapted will not be accepted.

The FEN form containing the sample Risk Assessments can be downloaded here.

Along with my completed FEN form, why do I need to submit to the Customer Care team, evidence of insurance for the external activities/equipment being used at our fundraising event?
Such items are not covered under the Charity’s insurance policy and must have their own public liability cover with a minimum limit of indemnity of £5 million in order to protect the Charity.

To explain further, this is because if someone is injured or property is damaged at an event organised to raise funds for the Charity, it is likely that we will be included in an action by an injured party. Our insurers would wish to seek subrogation rights against the negligent party. If the external parties do not have adequate insurance, the claim may fall on the Charity. Even if the Charity is not legally liable, costs may be incurred.  If you are still unsure as to whether an item or activity at your event needs to have its’ own public liability insurance, please contact the Customer Care team.

We are offering a prize at an auction for a ‘Fire Fighters Experience’ at our station. Can you insure this?
We are unable to insure the ‘Fire Fighters Experience’. The fire station should have its’ own public liability cover for members of the public attending the station for visits.

The date of our event has changed. Do we need to make the Charity aware?
Please notify the Customer Care Team of any changes to your original FEN. This includes a postponement or cancellation.

If there was any damage to a fire station while a fundraising event in aid of The Fire Fighters Charity was taking place e.g. a door came off its’ hinges, would this be covered by The Fire
Fighters Charity’s insurance? 

Assuming you had received confirmation that The Fire Fighters Charity would insure your event, this will cover both third party injury and third party property damange, where you have a legal liability i.e. your negligence is proven. In such circumstances, damage to the fire station property would be covered.

Should any of your questions regarding fundraising event insurance remain unanswered, please contact the Customer Care Team at fundraising@thefirefighterscharity.org.uk or on 01256 366581.

 

 

More Stories