Insurance Case Study

Animal welfare charity

As a leading animal welfare charity, our client runs a 55-acre site which they use to rescue, rehabilitate and then re-home equines.

Despite rescuing over a thousand horses, ponies and donkeys, the charity receives no government funding but relies solely upon donations from the public in the form of memberships, open days, special fundraising events, grant funding and legacies. The aim of the organisation is not to offer retirement care for equines, but to find suitable foster homes for the animals, whether they go out as rideable horses or as a companion to the foster carer’s own horse. The work of the charity means that they place rehabilitated horses and ponies in foster homes all over the country and regularly check on the animals using a team of Fostering Monitors.

Highlights and Challenges

As the fostered animals remain the sole responsibility of the Society there are additional responsibilities and therefore risks which needed to be considered when finding suitable insurance cover. However, following a review meeting we identified that the client had never had a broker visit. We visited the premises and carried out a risk review, which identified that the client was significantly under-insured and was operating without appropriate cover.

Although the charity was open about the level of volunteering and fundraising activities they undertook, the incumbent broker had failed to provide the client with adequate cover for volunteers, their day-to-day activities or events. One of the major risk exposures identified was the lack of Trustee Indemnity cover, and through our review process we were able to quickly pinpoint this risk and put cover in place, thus ensuring that the charity could continue to operate without risk to their individual Trustees.

How we were able to help

✓ Personal site visit by our charity team to ensure all risks were identified

✓ Advice on a risk and insurance programme to ensure that there were no gaps in cover

✓ Supported client in mitigating risk for their trustees, ensuring continuity in board membership

✓ Provided cover against safeguarding issues for volunteers

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