{"id":292,"date":"2022-09-26T11:58:23","date_gmt":"2022-09-26T10:58:23","guid":{"rendered":"https:\/\/www.norrisandfisher.com\/?page_id=292"},"modified":"2023-06-26T16:54:04","modified_gmt":"2023-06-26T15:54:04","slug":"food-bank-insurance","status":"publish","type":"page","link":"https:\/\/www.norrisandfisher.com\/what-we-do\/food-bank-insurance\/","title":{"rendered":"Food Bank Insurance"},"content":{"rendered":"

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Food Bank Insurance<\/h1>\n <\/div>\n
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Specialists in Food Bank Insurance<\/h2>\n

Following recent cuts and the economic downturn, many families are finding it tough to provide food. At Norris & Fisher, we are seeing an increase in the activities of Food Banks. One of the major costs for such charities is insurance and this is where we may be able to help.<\/p>\n

We specialise in insurance for the charity and voluntary sector and have access to competitive premiums and specialist policies for Food Banks.<\/p>\n

Please click below to complete our enquiry form for a free no obligation quotation, or contact us if you have any queries.<\/p>\n

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Get a quote<\/a><\/p>\n

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Frequently asked questions<\/h2>\n

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<\/span><\/i> Why do we Need Food Bank Insurance?<\/a><\/h3>
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The main cover required is Employers Liability and Public Liability insurance. Employers’ Liability is a compulsory form of cover if you have employees.<\/p>\n

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

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<\/span><\/i> Do we Need Public Liability Insurance and What Does This Cover?<\/a><\/h3>
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Whilst not compulsory, Public Liability is an essential component of any policy.<\/p>\n

This provides cover for injury to third parties or damage to their property which arises from the negligent activities of the policyholder.<\/p>\n

Cover available \u00a31m annual income or turnover. \u00a3500,000 annual wage roll & up to 500 volunteers.<\/p>\n

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<\/span><\/i> What Documents do we Need?<\/a><\/h3>
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Risk assessments, DBS for volunteers and a safeguarding policy.<\/p>\n

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<\/span><\/i> What Else is Covered by the Food Bank Policy?<\/a><\/h3>
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As standard we cover stock, contents, electronic and computer equipment, Money (\u00a32,500), Book Debts (\u00a35,000), Employers Liability (\u00a310m), Public Liability (\u00a35m) and Legal Expenses (\u00a3250,000).<\/p>\n

Extras can be added such as Business Interruption, Personal Accident, Fidelity Guarantee, All Risks, Trustees Indemnity, Buildings and Tenants Improvements.<\/p>\n

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<\/span><\/i> Does the Policy Cover our Volunteers?<\/a><\/h3>
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Yes, volunteers are covered under the Employers Liability section. This comes at a standard sum insured of \u00a310 million.<\/p>\n

Personal Accident can also be included subject to an additional premium.<\/p>\n

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

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.<\/p>\n

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<\/span><\/i> What if we Have Multiple Locations?<\/a><\/h3>
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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.<\/p>\n

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