FRMS - PUBLIC LIABILITY AND EQUIPMENT INSURANCES
Federation operates two optional insurance schemes that offer affiliates
Cover is offered for both Public Liability and Equipment insurance risks and is available via a blanket insurance policy that is provided by Aviva and administered via the Federation's brokers, Marsh Commercial. The cover is provided by a Commercial Combined Insurance policy, reference no. 23764235CC
Public Liability insurance
The Public Liability scheme offers affiliated societies and their officers protection against having to find large sums of money in the event that they are sued by third parties and found to be legally responsible for any accident occurring at any of their meetings or events.
The Equipment scheme offers All-Risk cover that ensures, subject to policy excesses, reinstatement or replacement of lost or unserviceable equipment arising from incidents caused by fire, theft or accidental damage.
Further Important Notes
Important notes for Affiliates participating in these schemes
The cover year runs from September 1st to August 31st. Premiums are negotiated with Aviva on behalf of the Federation by Marsh Commercial.
Charges for Public Liability cover are incorporated with the annual re-affiliation invoice prepared by the Federation Treasurer.
Charges for Equipment insurance cover are handled separately and invoiced directly to participants by Marsh Commercial around August each year.
The Public Liability scheme is taken by 75% of affiliates and remains a very competitive facility. As it is commercially sensitive information, details of current premiums are only available by enquiry on application to the Federation Secretary.
details of each cover are given on the Factsheets as linked above.
Note for existing participants: Affiliates are reminded that the Insurance Certificate section of their Affiliation Certificate is important evidence of their PL insurance cover, and is especially relevant where they meet in venues belonging to the local or public authority sectors.Secretaries/Treasurers should ensure that this document is carefully preserved for easy reference.