Community & Hospital Radio Insurance

Voluntary groups throughout the country run hospital & community radios as it is a great way to support and inform the local community to what is happening within the area. As a direct means of communication from voluntary groups and Charites to members of the public, these groups are a vital part of the third sector.

One issue many have faced and will likely face again is insurance, what exactly is required for a hospital / community radio in terms of the cover they require. Through our specialism and experience in working alongside community / hospital radios, we can ensure you not only are correctly insured but fully understand the policy you hold and what risks would be insured against.

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Typical key risks include

  • All Risks and Contents cover for any of the equipment the group owns such as microphones, laptops, audio interfaces, photocopiers.
  • Defamation cover should anyone alleged the group caused a loss through the comments the community / hospital radio station made.
  • Public Liability is an essential part to any cover, if you lease the building this will cover you for an allegation you have caused damage to the building.
Charlotte-Small.jpg

Charlotte Ainsley

insurance Adviser

Community Radios are one of the most prominent ways in which Charites can contact the local community to inform them of events and activities within the area. With our expertise in the third sector we can ensure all aspects of the risks are covered.

Charlotte Ainsley, Account Handler

These are just a few of the risks present when operating a community / hospital radio station, by providing full details via our online inquiry form or by speaking with one of our specialist advisers we can ensure you receive an insurance quotation that is both comprehensive in the cover it provides and competitive in terms of the requested insurance premium.

Niche Risks – Community / Hospital Radios

  • Trustee Indemnity cover should the management committee feel the need to include cover should they ever be found personally liable.
  • Computer cover should you own less portable electrical equipment such as a high end PC or iMac, this can include cover in the event of a power surge.
  • Buildings cover should you own the building you operate from, through access to our online desktop surveys we can ensure the possibly of underinsurance is removed and that in the instance of a claim you would not suffer from the condition of average.
  • Sometimes community radio groups might have cyber and data insurance considerations too, we would be happy to discuss those.

Should you wish to access our services and wish for us to obtain you a range of specialist insurance quotations then please complete our online enquiry form.

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Customer Reviews

Charlotte has handled our insurance renewals for nine years now.  As a new Charity taking over a Community Library in 2015, it was scary navigating through compliance matter such as insurance.  Charlotte steered and helped us through in those early days and has been with us ever since.  She is always available; always responds in a timely manner and we never feel any question or query is silly.  She is a reassuring presence in our Operation.  We feel she goes the extra mile to understand our ever increasing financial and regulatory pressures of an entirely volunteer led Charity.

 

Margaret Bowler at Markfield Community Library

Claudia Passmore

Friends of Wandon Recreation Park found representatives of Ladbrook Insurance to be very professional, but at the same time extremely helpful and took time in understanding what our insurance needs were and the best policy for us. We would highly recommend Ladbroke Insurance.

Cherry at Friends of Wandon Recreation Park

What a delight to work with Tim and his team. Totally professional, they responded rapidly to an urgent insurance requirement for our club after our previous insurers let us down badly. Tim took a real interest in what we do and came up with an ideal policy at a great price in record time. Thank you!

 

Roger Stone – Invicta Military Vehicle Preservation Society Ltd

 

Thank you for all your support every year! I have a really busy job and this is my community work. Your support in getting this sorted has always been second to none.

 

Abdul – Madni Jamia Masjid Association

Thank you so much for finding the ideal insurers for us, it has been an easy process and efficient service.

Hayley – TEENTALK CIC