Food Bank Insurance

The main cover required is Employers Liability and Public Liability insurance. Employers’ Liability is a compulsory form of cover if you have employees.

As well as paid employees, this would also extend to volunteers and trustees. This is much welcome protection when trying to source your volunteers.

Whilst not compulsory, Public Liability is an essential component of any policy.

This provides cover for injury to third parties or damage to their property which arises from the negligent activities of the policyholder.

Cover available £1m annual income or turnover. £500,000 annual wage roll & up to 500 volunteers.

Risk assessments, DBS for volunteers and a safeguarding policy.

As standard we cover stock, contents, electronic and computer equipment, Money (£2,500), Book Debts (£5,000), Employers Liability (£10m), Public Liability (£5m) and Legal Expenses (£250,000).

Extras can be added such as Business Interruption, Personal Accident, Fidelity Guarantee, All Risks, Trustees Indemnity, Buildings and Tenants Improvements.

Yes, volunteers are covered under the Employers Liability section. This comes at a standard sum insured of £10 million.

Personal Accident can also be included subject to an additional premium.

This provides cover for injury to employees, trustees, committee members or volunteers arising from an accident where there is no need for negligence.

If a volunteer were to suffer an injury whilst on committee business and is unable to work as a result, then the policy would provide a cash payment to make up for their loss of income. This would also pay larger lump sums for death or disablement.

Food stock is on a floating basis, therefore multiple locations can be listed where food stock is stored. We can also include cover for outbuildings and external storerooms.