09.00 – 17:00

Monday to Friday

09.00 – 17:00

Monday to Friday

Core Covers

Providing comprehensive cover for not only the Council, but also the councillors, clerks and volunteers

Core Covers

Providing comprehensive cover for not only the Council, but also the councillors, clerks and volunteers

With Came & Company Local Council Insurance you automatically receive the following core covers:

This will provide protection against your legal liability for bodily injury to third parties or third party property damage – as a direct result of the Council’s negligence. Other insurers will offer a higher limit of indemnity but our claims experience confirms our limit of indemnity is sufficient but if you are concerned please contact us.

This covers the legal liability of the Council for negligence following death or bodily injury or disease sustained by Employees, Councillors and Volunteers during and arising out of the course of their employment, including Corporate Manslaughter and Homicide. If the Council has employees then Employers’ Liability is a legal requirement.

If the Council insures a building this covers legal liability for hirers (small groups or individuals – non-commercial) of Council premises, should injury or damage to the property occur during the period of the hire. Other insurers policies do not extend to provide cover for small groups but we feel this is important to support small groups in the community.

This provides cover for legal liability claims arising from any negligent act, error or omission committed in good faith by any employee or official of the Council. The policy has a standard exclusion for member to member claims; this means that if an employee or councillor makes a claim naming another employee or councillor there is no cover within the policy.

This cover provides protection against a verbal or written comment, made by the Council, which a member of the public considers to be incorrect or damaging and as a result seeks financial compensation. The policy has a standard exclusion for member to member claims; this means that if an employee or councillor makes a claim naming another employee or councillor there is no cover within the policy.

This provides cover against acts of fraud or dishonesty by any official of the Council, or a number of officials in collusion, and any subsequent loss of property. To calculate the level of cover we use the precept and all of the financial reserves of the council i.e. the precept is paid twice a year which cover is half the precept and all of the financial reserves.

The Personal Accident section covers Employees, Councillors and Volunteers from 16 years and up to the age of 90 as standard.  To claim under this section a person needs have been injured whilst working on behalf of the council. Please note; if a person is injured whilst carrying out the council’s activities, cover is provided under the liability section for all age groups.

Loss and damage cover is provided for up to £25,000 or 10% of the contents sum insured that is noted on the schedule for exhibition stands and equipment which belongs to you or for which you are legally responsible.

Money cover provides for loss of money up to £1,000 to the Council when carried by Employees, for example to and from the bank, together with personal accident assault cover for persons aged between 16-90.

Theft and Accidental Damage is included as standard.

We automatically provide cover up to £10,000 for a period of 12 months, reducing the financial impact for the Council, should the Council incur additional expenditure as the result of an insured event.

We automatically provide cover up to £10,000 a period of 12 months, reducing the financial impact for the Council, should the Council incur a Loss of Revenue as the result of an insured event.

This cover provides protection for the Councillors and Clerk acting in their capacity as officials for the Council, against the cost of potential commercial legal disputes, legal advice and representation; including employment, tax and contract disputes.

If the Clerk, Deputy Clerk, Groundsman, Deputy Groundsman are unable to work due to illness or injury for 14 days or longer.  The payment is made to the Council to contribute towards the cost of a locum or temporary person. The weekly amount can be increased for an additional premium.

£5,000 has been included in the core covers for no additional premium to provide loss or damage cover for Defibrillators & Cabinets.

Our Partners

Remember that when buying insurance, it is cover and service that count

01483 462860

local.councils@cameandcompany.co.uk

Blenheim House, 1-2 Bridge Street
Guildford, Surrey GU1 4RY

01483 462860

local.councils@cameandcompany.co.uk

Blenheim House, 1-2 Bridge Street
Guildford, Surrey GU1 4RY

local.councils@cameandcompany.co.uk

Blenheim House, 1-2 Bridge Street
Guildford, Surrey GU1 4RY

01483 462860

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