BRITISH ASSOCIATION FOR LOCAL HISTORY

INSURANCE FOR LOCAL SOCIETIES

 

Insurance Broker: Towergate Risk Solutions Fareham (TRSF)

Funtley Court, Funtley Hill, Fareham, Hants. PO16 7UY

 

BALH Contact: Annmarie Jones, Business Manager, BALH

PO BOX 6549, Somersal Herbert, Ashbourne DE6 5WH

 

Activities Covered:

1) meetings

2) visits to historical sites

3) collection of local archive material

4) photographing local sites for recording purposes

 

Examples of Activities Not Covered:

1) property ownership of land or buildings

2) the running of semi-commercial under-takings, such as local museums 3) Manual work of any kind, i.e. archaeological fieldwork and excavations

 

Insurance Cover Provided:

The Insurance cover provided by our group insurance policy is as follows:

                  a. £5,000,000 of liability to third parties or damage to third party property: this covers the Legal Liability of the Society for any amounts they become liable to pay as damages for bodily injury or damage caused by an accident during the Period of Insurance, including all legal defence costs arising from such a claim – extends to include member-to-member liability. This cover also includes Products Liability cover (this will indemnify any Society against any claim for food poisoning). Subscribing societies must pay the first £250 of any claim for third party property damage.

                  b. £10,000,000 of Employers Liability in the event of bodily injury to employees / volunteers: this covers the Legal Liability of the Society for any amounts they become liable to pay as damages for bodily injury caused by an accident during the Period of Insurance, including all legal defence costs arising from such a claim.

                  c. £250,000 of legal defence costs against prosecution for a breach of the Health & Safety at Work Act.

                  d. £12,500 of cover for destruction of or loss or damage to a Society’s miscellaneous business equipment and other contents (replacement value). These include items such as books and records. This is subject to an excess of £250 for each and every loss. Theft from buildings is subject to “forcible and violent entry” to the building. There will be no cover if a locked cupboard or cabinet is broken into and there has been no forcible entry into the building. Should items be left in a car: all doors and windows should be secure; entry to the vehicle resulting in a theft should be by forcible and violent means; unattended items should be locked in the car boot and not be visible from outside.

                   

Please note that Oatlands Heritage Group and its Members (the Insured) must take all reasonable precautions for the safety of the insured property; take all reasonable precautions to prevent bodily injury or damage and comply with all statutory regulations and regulations imposed by an authority.

There is an inner limit of £2,000 for any one item under this section of cover.

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