CTA Insurance

This is a difficult time for the community transport sector, with providers having to juggle competing priorities. Concerns around what this means for your insurance may well be one of these priorities and if you have any questions about how the current situation could affect that side of your organisation, we’d be happy to talk things through.

If you haven’t already, we would encourage you to take a look at the guidance that CTA have put together: ctauk.org/covid19-guidance/

We’ll be joining a number of CTA’s weekly advice drop-in sessions where you can ask us any questions you might have, and if you need support in the meantime you can contact us on 0333 234 1146 or email us at ctainsurance@endsleigh.co.uk.

"Laid up cover"

If you’re using your vehicles less frequently in this current environment, insurers are now able to provide “laid up cover” which reduces the cover from comprehensive to fire & theft cover. This means valuable return on your premiums for vehicles not being used during this time. If you need us to help you with changes to your cover, please get in touch.

Support for volunteers

We would also like to take this opportunity to highlight the outstanding efforts of community transport providers who, where they can, are supporting the national effort, delivering food, goods and medicine to homes within your local community. Endsleigh have ensured that these additional services are accommodated and the appropriate cover is in place during this critical time for those with CTA Insurance policies.

Whether it is a motor accident and you need to get your vehicle back on the road or protection against claims from injured third parties, we provide comprehensive cover to ensure you and your community are protected. Optional extra covers are available, like Breakdown and Legal Expenses, ensuring you are in safe hands and can get back to supporting your community as soon as possible.

Protects your organisation's legal liability to third parties for death, bodily injury or damage to their property by providing coverage for the legal expenses and potential compensation awards associated with such claims. This can often be extended to cover additional risks such as medical malpractice, abuse and hirer’s liability.

If your organisation has employees, employers' liability is a legal requirement. The minimum level of cover required by law is £5million. Without this policy you may face large fines, reputational damage and uninsured claims. Coverage provides indemnity in respect of your legal liability to pay damages for death, illness, injury or disease to employees arising out of the course of their employment. Coverage may also extend to cover volunteers, people on work experience, non-executive directors and trustees.

Working as a professional, your expertise is your business and offering your services, knowledge and advice runs its own unique set of risks. Being fully covered should you find yourself in the position of having your work or advice questioned is important. That's why we work with insurers who can help you to cover the costs of potential compensation claims, legal costs and expenses required to defend yourself in court, as well as loss of income from days spent in court.

Cyber and data risk insurance, also known as cyber liability insurance, will be there to assist and protect your organisation if it experiences a data breach, malicious cyber hack and many other types of threats to your data security. Statistics show that cyber-crime is on the increase in the UK with specialist organised crime groups targeting a wide variety of organisations, including charities. Your organisation could be severely affected if your data or network is compromised. Cyber liability cover is designed to support and protect you, providing effective cover against the costs associated with a data breach such as IT forensics, loss of income and third party liability. It will also provide access to specialist legal advice and expertise to help minimise any damage.

We are able to cover your assets such as buildings, contents, fixtures/fittings, tenant improvements, stock and any other equipment which is essential for your organisation to run. Cover can include fire, flood, theft, accidental damage, malicious damage and a number of other perils as well as insurance for portable items used outside the place of business.

Endsleigh has a wealth of experience in helping organisations manage their risk. Whether you're a small community charity or a large commercial organisation, our support service is designed to simplify health, safety and employment legislation.

Visit our charity support website.