This guide has been created to provide an overview of the most common types of insurances associated with organisations delivering services to citizens and communities.
Why a back to basics guide? Over recent years we have seen a substantial change of personnel within insurance teams throughout the sector. This has led to a significant loss of experience and understanding within organisations' insurance teams.
This guide has been written in a manner aimed to remove some of the technical jargon associated with insurance policies, making it easier for professionals with limited knowledge of insurance to understand how policies may operate for public service organisations.
We have created this guide by drawing on the experience and expertise of individuals working in the sector, including local authorities, insurers, brokers and housing providers. Collectively there is approximately two hundred years' worth of knowledge that has been called upon to provide an overview of the different types of insurance policies available and the features of each of the types of insurance cover.
Our aim throughout has been to offer explanations of the key basic principles of insurance and to then expand on this with a detailed look at the different types of insurance that we come across on a day-to-day basis. This guide gives an overview of the construction of the various types of insurance policies, what to look out for as far as the risks the policies may extend to cover, and also what may not be covered. However, you should always check your own policy requirements and wordings with your appointed broker or insurer to ensure your insurance programme meets your business requirements.
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