Community groups have some of the most complex risk needs of all. Because the work they do is so varied, and their interactions with the community are so different from one to the next, their risk profiles are unique, almost down to an organisation-by-organisation level.
In other words, while the same basic risks exists across all community groups; the risk of property and equipment damage, fraud, volunteer safety, and professional indemnity, the insurance packages for each group can be highly optimised to safe customers both money and stress.
Sadly, despite the very real good that community groups do in society, they’re not more immune from criminal activity than any other organisation. Arson, theft and damage all need to be covered by insurance for the group’s peace of mind. The needs of a community centre for the youth are very different to the needs of a Meals on Wheels organisation, for example.
So it’s important to find a broker that understands the different kinds of activities that your group undertakes, and then is able to advice the best insurance package to suit those activities. Each of the activities below should be part of a community group insurance package, if it is a significant part of the group’s operation.
At Unicorn Risk Services Pty Ltd, we specialise in understanding the precise risk profiles of each of our customers in the community sector, and then providing them with sound advice on the kind of insurance policies that would best fit their needs. Please contact our team today to request further information.
Community groups include:
Art & Craft & Friendship
Neighbour Aid
Neighbourhood Centres
Community Centres
Community Transport
Senior Citizens
Social Support
Community Aid
Learning and Information
Chamber of Commerce
Resident Action Groups
Progress Associations
We can cover these related activities
Home visits for companionship, assistance with telephone calls, writing of letters etc
Assistance including transport for clients to attend appointments, visit friends or relatives and undertake shopping and other business
Assistance in representation made by or on behalf of the client
Undertaking errands, for example- banking or paying bills, on behalf of the client
Information referral centres (promoting accessible and appropriate community information and cultural development)
Provision of information to the community about organisations in their target areas
Child minding whilst parents attend courses at the same centre
Handyperson services
Assistance and support
Personal hygiene care
Social and Recreational Activities
Provide community Education
Day trips, weekend away, holiday trips
Lobbying
Workshops
Contract carers
Senior groups
Mother Support groups
Craft groups
Education & learning groups, language, computer etc
Youth groups including Youth Development
Before and after school care
Vacation care
Playgroups & Child minding
Leisure & recreation groups
Hiring out of Centres
Drop in services
Administer drugs to clients (under strict guidelines)
Community development & Community Landscape Projects
Counseling
Visiting clients & nursing homes
Women’s groups
Toy libraries
Environment & Health Issues
Personal Care & Hygiene
Production & Retail of Food Products
Support families in crisis
Community visitors scheme
Haircutting
Assistance with continence care
Shopping
Respite care
Gardening/Lawn Mowing
Deliver Library books
Migrant Services
Assistance and Support Groups
Training days
Hiring Centre out to other parties
Bus Trips
Holiday trips away
Art & Craft Groups
Drama Workshops
Movie Nights
Social and Recreational Activities
Individual, Family & Group work
Community Education
Meals on Wheels
Minor maintenance
Lawn mowing
Family support and assistance
Family counseling
Community Halls