The Employer should make clear to Heads of Establishments and Visit Leaders the extent of their insurance provision for off-site visits.
The Visit Leader must ensure, well before the group departs, that adequate insurance arrangements are in place covering all planned activities.
It is important to consult the Employer to establish the level of insurance cover that is provided by the Employer’s insurer. This may come in varying levels:
- Some local authorities or Employers have insurance cover for all participants for all off-site visits
- Some provide cover only for specific activities
- Some provide no cover
It is essential to check the level of insurance cover and any exclusions – this is particularly relevant in regard to terrorism, pandemics, civil unrest and any natural disaster. In many circumstances cancellation as a result of this type of event/incident will not be covered by insurance.
It is essential that insurance arrangements, and potential financial risk, are clearly communicated to participants and parents/carers to enable an informed decision to be made about participation.
