Sub contractors may be working on your premises or assisting you to hold an event or to perform a service.

A great deal of responsibility rests with the charity if a sub contractor makes an error that damages property, incurs a financial penalty or injures someone, so it is important to set out and agree shared risks and responsibilities.

Part of this risk assessment may include the checking of insurance to ensure that any responsibilities and liabilities are properly protected. Contractor Insurance Checklists are a useful tool for doing this in concert with a recording mechanism that could be as simple as an Excel spreadsheet.

This should also enable a check to be made close to the renewal date to ensure that cover has been renewed and not allowed to lapse in the current recessionary climate.

Two other important considerations for charities are the extent and limit of liability purchased by contractors. The checklist can be suitably designed to identify any high risk areas and check that such exposures are suitably insured.

For more information contact Alyson Pepperill on
07824 492665 or email alyson.pepperill@theovalgroup.com