Public liability insurance for a community group can help to protect it against legal claims for compensation for negligence that are made against it by third parties that have suffered physical injuries or property damage that they claim were caused by the community group’s activities.
A community group has a duty of care to members of the public (third parties that interact with it) such that they do not cause them physical injury or property damage as part of their activities. When this does occur and is shown to be because of negligence on the part of members of the community group, the group can be sued by the injured party to receive compensation for the injury or damages that they suffered.
Public liability insurance for community groups may help to pay for the legal expenses that arise from defending such claims and damages that are awarded by the courts when a case is proven against them.
Having this type of insurance is vital for protecting your community group since even a small claim could severely impact your finances and the activities it supports while a significant claim could force closure of the group.
It is an important element of managing the risks involved in running a community group and protecting its office bearers and members.