{"number":"5","url":"/por/5g-insurance/","content":{"layouts":[{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp\u003EThis was previously Chapter 8 in the Autumn 2025 edition of POR.\u003C/p\u003E","gtmId":"","gtmClass":""}]}],"config":null}]},"rules":[{"number":"5g.1","body":"","content":{"layouts":[{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp\u003ETrustee Boards are responsible for ensuring that people, property and equipment are appropriately insured. This chapter sets out the policies and requirements that support this responsibility.\u003C/p\u003E","gtmId":"","gtmClass":""}]}],"config":null}]},"deprecated":false,"url":"/por/5g-insurance/5g1-trustee-board-role/","id":89456,"nodeName":"5g.1 Trustee Board role","title":"Trustee Board role","type":"pORRule","image":null,"assets":null,"headerOptions":{"headerTitle":"Trustee Board role","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"","subHeader":"","browserTitle":null,"silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84OTQ1NiJ9","canonicalUrl":"https://www.scouts.org.uk/por/5g-insurance/5g1-trustee-board-role/"},{"number":"5g.2","body":"","content":{"layouts":[{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp\u003EUnity is the official insurance broker of The Scout Association. See also POR 6.12.1.4.\u003C/p\u003E\n\u003Cp\u003EUnity is one provider that is able to arrange the insurance cover required under this chapter, particularly POR 5g.4.\u003C/p\u003E","gtmId":"","gtmClass":""}]}],"config":null}]},"deprecated":false,"url":"/por/5g-insurance/5g2-about-unity/","id":89457,"nodeName":"5g.2 About Unity","title":"About Unity","type":"pORRule","image":null,"assets":null,"headerOptions":{"headerTitle":"About Unity","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"","subHeader":"","browserTitle":null,"silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84OTQ1NyJ9","canonicalUrl":"https://www.scouts.org.uk/por/5g-insurance/5g2-about-unity/"},{"number":"5g.3","body":"","content":{"layouts":[{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Ch4\u003E5g.3.1 Scope\u0026nbsp;\u003C/h4\u003E\n\u003Cp\u003EThe insurances outlined in POR 5g.3 apply exclusively to Scout units and their members operating within the Federation governed by The Scout Association\u2019s Royal Charter. These insurances are purchased by UK Headquarters from the membership subscriptions. Scout units must not independently purchase the insurances listed in this POR 5g.3.\u003C/p\u003E\n\u003Cp\u003EThe insurances described in POR 5g.3 do not extend to members of Girlguiding or any other individuals or organisations that are not formally part of the Scouts\u2019 Federation.\u003C/p\u003E\n\u003Cp\u003EDetails of the current benefits under these policies are available from Unity.\u00A0\u003C/p\u003E","gtmId":"","gtmClass":""},{"gridType":"RichTextBlock","content":"\u003Ch4\u003E5g.3.2 Compliance\u003C/h4\u003E\n\u003Cp\u003EFor insurance cover provided by UK Headquarters to be remain valid, all POR rules must be complied with, particularly those relating to the organisation of activities and the safety precautions applying to activities.\u003C/p\u003E\n\u003Cp\u003EAll insurances and indemnity provided by The Scout Association are subject to the terms and conditions of the relevant insurance policy in force. \u0026nbsp;\u003C/p\u003E","gtmId":"","gtmClass":""},{"gridType":"RichTextBlock","content":"\u003Ch4\u003E5g.3.3 Personal Accident and Medical Expenses Policy (PAME)\u003C/h4\u003E\n\u003Cp\u003E\u003Cstrong\u003E5g.3.3.1 Cover for members of Scouts\u003C/strong\u003E\u003Cbr\u003EPAME insurance is funded by UK Headquarters and covers all members included on the annual census return, as well as new members who join during the year, in the United Kingdom, the Isle of Man, the Channel Islands, and British Scouting Overseas.\u003C/p\u003E\n\u003Cp\u003EMore details, including the schedule of benefits, are available on the \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/accident-medical-insurance\u0022 target=\u0022_blank\u0022 title=\u0022Unity website\u0022\u003EUnity website\u003C/a\u003E.\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003E5g.3.3.2 Cover for visiting Scouts from overseas\u003C/strong\u003E\u003Cbr\u003EThe PAME policy also extends coverage to parties of up to five visiting Scouts who are not members of The Scout Association but who are in the United Kingdom to take part in Scout activities organised by a British home unit. \u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003E5g.3.3.3 Additional third-party risks\u003C/strong\u003E\u003Cbr\u003ECertain adventurous activities carry higher third-party risks and may require additional insurance arrangements which must be made by Unity.\u003C/p\u003E\n\u003Cp\u003EFor this reason, Groups, Districts or Counties must notify Unity in advance when planning to undertake air activities or karting.\u003C/p\u003E","gtmId":"","gtmClass":""},{"gridType":"RichTextBlock","content":"\u003Ch4\u003E5g.3.4 The Scout Association Legal Liability Policy (LLP)\u003C/h4\u003E\n\u003Cp\u003E\u003Cstrong\u003E5g.3.4.1 Liability cover\u003C/strong\u003E\u003Cbr\u003EThis LLP policy, which includes both Public Liability and Property Owners Liability, covers the whole The Scout Association and provides coverage for all Lead Volunteers, adult volunteers and other authorised individuals responsible for, or assisting with, Scout activities.\u003C/p\u003E\n\u003Cp\u003EThis includes claims brought by members (or their parents or guardians) or by third parties, alleging legal liability resulting from incidents during any authorised Scout activity or fundraising event. This is covered under the Public Liability section of the policy.\u003C/p\u003E\n\u003Cp\u003EThe LLP policy extends to cover every Group, District and County within the Federation, subject to POR 5g.3.2. No additional Public or Property Owners\u2019 Liability insurance is required to be purchased by Groups, Districts or Counties.\u0026nbsp;\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003E5g.3.4.2 Property Owners Liability\u003C/strong\u003E\u003Cbr\u003EThe LLP policy also provides Property Owners Liability cover for any Scout unit that owns or is responsible for land or buildings, excluding liability accepted under any agreement.\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003E5g.3.4.3 External activity providers\u003C/strong\u003E\u003Cbr\u003EExternal activity providers must provide evidence of holding a public liability insurance policy which covers their activities to a minimum level of five million pounds. (POR 9a.5.7.4)\u00A0\u003C/p\u003E","gtmId":"","gtmClass":""},{"gridType":"RichTextBlock","content":"\u003Ch4\u003E5g.3.5 The Scouts Trustee Indemnity Policy (TI)\u003C/h4\u003E\n\u003Cp\u003E\u003Cstrong\u003E5g.3.5.1 Purpose\u003C/strong\u003E\u003Cbr\u003EThe TI policy protects Trustees in the event they are held personally liable for the loss of charity assets or for making a decision that results in the charity sustaining a financial loss.\u003C/p\u003E\n\u003Cp\u003EMore details, including the schedule of benefits, are available on the \u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/trustees-Indemnity-insurance\u0022 target=\u0022_blank\u0022 title=\u0022Unity website\u0022\u003EUnity website\u003C/a\u003E.\u003C/p\u003E\n\u003Cp\u003E\u003Cstrong\u003E5g.3.5.2 Scope\u003C/strong\u003E\u003Cbr\u003EThe TI policy applies to all Trustees and members of any sub-team of a Trustee Board within any charity that is part of the Federation, where the individual\u2019s Trustee or sub-team role is recorded on the Scouts\u2019 membership system.\u003C/p\u003E\n\u003Cp\u003EThe TI policy also covers any person co-opted or appointed to act as a Trustee or Trustee Board sub-team member, including Custodian Trustees or Holding Trustees, of Scout assets, regardless of whether or not they are members of a Trustee Board or are a member of Scouts.\u003C/p\u003E","gtmId":"","gtmClass":""}]}],"config":null}]},"deprecated":false,"url":"/por/5g-insurance/5g3-insurance-funded-by-uk-headquarters/","id":89458,"nodeName":"5g.3 Insurance funded by UK Headquarters","title":"Insurance funded by UK Headquarters","type":"pORRule","image":null,"assets":null,"headerOptions":{"headerTitle":"Insurance funded by UK Headquarters","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"","subHeader":"","browserTitle":null,"silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84OTQ1OCJ9","canonicalUrl":"https://www.scouts.org.uk/por/5g-insurance/5g3-insurance-funded-by-uk-headquarters/"},{"number":"5g.4","body":"","content":{"layouts":[{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp\u003E\u003Cstrong\u003E5g.4.1.1 Extensions to PAME\u003C/strong\u003E\u003Cbr\u003EThis section 5g.4.1.1 lists options for Groups, Districts, Counties to purchase extensions to the PAME insurance in POR 5g.3.3.1 and POR 5g.3.3.2. These extensions are not included in the PAME policy purchased by UK Headquarters.\u003C/p\u003E\n\u003Cp\u003ENote that these policy extensions may be purchased from Unity, or from alternative insurance providers.\u003C/p\u003E\n\u003Col style=\u0022list-style-type: lower-alpha;\u0022\u003E\n\u003Cli\u003EAdditional insurance may be purchased to extend benefits beyond those included in the standard Scouts\u2019 PAME policy.\u0026nbsp;\u003C/li\u003E\n\u003Cli\u003ENon-members are not covered under the Scouts\u2019 PAME insurance. However, non-members residing in the United Kingdom, the Isle of Man, and the Channel Islands can be insured under PAME if a Group, District or County purchases specific PAME cover for their non-members. POR Chapter 16 Teams Table indicates which roles have \u2018member\u2019 status.\u003C/li\u003E\n\u003Cli\u003EAs an extension to POR 5g.3.3.2, larger groups of visitors are not automatically covered under PAME. They may, however, be independently insured by the host unit, provided the visitors are not already covered by their home Scout Association. \u00A0\u003C/li\u003E\n\u003C/ol\u003E\n\u003Cp\u003E\u003Cstrong\u003E5g.4.1.2 Locally arranged insurance cover\u003C/strong\u003E\u003Cbr\u003EUnder POR 5c.1.5.4(e), 5c.2.5.4(d), 5c.3.5.4(d), 5c.34.5.4(d), 5d.1.5.3(i), 5d.2.5.3(i) and 5d.3.5.2(i) every Group., District, and County Trustee Board must maintain, and regularly review, appropriate insurance cover in respect of other risks, including, but not limited to:\u00A0\u003C/p\u003E\n\u003Col style=\u0022list-style-type: lower-alpha;\u0022\u003E\n\u003Cli\u003ESupplementary extensions to PAME insurance (POR 5g.4.1.1(a))\u003C/li\u003E\n\u003Cli\u003EPAME for non-members (POR 5g.4.1.1(b))\u003C/li\u003E\n\u003Cli\u003EPAME for larger groups of visiting Scouts (POR 5g.4.1.1(c))\u003C/li\u003E\n\u003Cli\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/property-equipment-insurance\u0022 target=\u0022_blank\u0022 title=\u0022Property and equipment on Unity\u0022\u003Eproperty and equipment\u003C/a\u003E, owned, hired, or borrowed, including the loss or damage whilst in transit or at camp or on expeditions\u003C/li\u003E\n\u003Cli\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/minibus\u0022 target=\u0022_blank\u0022 title=\u0022Minibus and motor insurance on Unity\u0022\u003Eminibuses and other motor vehicles\u003C/a\u003E, including passenger risk, whether in the British Isles or other countries\u003C/li\u003E\n\u003Cli\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/marine-insurance\u0022 target=\u0022_blank\u0022 title=\u0022Water activities on Unity\u0022\u003Emarine and boating activities\u003C/a\u003E (POR 9b.5.5.3)\u003C/li\u003E\n\u003Cli\u003Eaviation and air activity (also note POR 5g.3.3.3(c), POR 9b.2.2.3, POR 9b.2.10.1(a), and POR 9b.2.10.2)\u003C/li\u003E\n\u003Cli\u003Ekarting (POR 5g.3.3.3(c))\u003C/li\u003E\n\u003Cli\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/travel\u0022 target=\u0022_blank\u0022 title=\u0022Travel insurance on Unity\u0022\u003Evisits abroad\u003C/a\u003E (POR 9a.3.1.6)\u003Cbr\u003EThe policy available from Unity covers accidents and medical expenses but is only available to groups of members based in the United Kingdom, the Channel Islands or the Isle of Man. \u00A0\u003Cbr\u003EFor Scouts in Northern Ireland travelling to the Republic of Ireland, additional travel insurance is not required for trips lasting 48 hours or less. However, if it is assessed that cover is required for emergency medical expenses, personal possessions, or cancellation, then travel insurance must be purchased (POR 9a.3.1.7)\u003Cbr\u003EMembers based in British Scouting Overseas or the Overseas Territories should obtain equivalent travel insurance cover locally.\u003C/li\u003E\n\u003Cli\u003E\u003Ca rel=\u0022noopener\u0022 href=\u0022https://www.unityinsuranceservices.co.uk/scout-insurance/employers-liability-insurance\u0022 target=\u0022_blank\u0022 title=\u0022Employers\u0027 liability insurance on Unity\u0022\u003Eemployers\u2019 liability\u003C/a\u003E for persons employed by a Group, District or County.\u00A0\u003C/li\u003E\n\u003C/ol\u003E","gtmId":"","gtmClass":""}]}],"config":null}]},"deprecated":false,"url":"/por/5g-insurance/5g4-other-insurance-cover/","id":89459,"nodeName":"5g.4 Other insurance cover","title":"Other insurance cover","type":"pORRule","image":null,"assets":null,"headerOptions":{"headerTitle":"Other insurance cover","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"","subHeader":"","browserTitle":null,"silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84OTQ1OSJ9","canonicalUrl":"https://www.scouts.org.uk/por/5g-insurance/5g4-other-insurance-cover/"},{"number":"5g.5","body":"","content":{"layouts":[{"type":"singleColumn","areas":[{"items":[{"gridType":"RichTextBlock","content":"\u003Cp\u003E\u003Cstrong\u003E5g.5.1.1 Agreements or indemnities required by third parties\u003C/strong\u003E\u003Cbr\u003EIf a Group, District or County is arranging to use land, premises or facilities belonging to another authority, organisation or individual, and is asked to sign an agreement or indemnity, details must be sent to Unity as early as possible.\u003C/p\u003E\n\u003Cp\u003EArrangements must not proceed, and no agreement or indemnity must be signed, until Unity has confirmed both:\u0026nbsp;\u003C/p\u003E\n\u003Col style=\u0022list-style-type: lower-alpha;\u0022\u003E\n\u003Cli\u003Ethat the terms of the agreement or indemnity are acceptable\u003C/li\u003E\n\u003Cli\u003Ethat The Scout Association\u2019s Legal Liability Policy provides adequate cover for the proposed terms.\u003C/li\u003E\n\u003C/ol\u003E","gtmId":"","gtmClass":""}]}],"config":null}]},"deprecated":false,"url":"/por/5g-insurance/5g5-third-party-agreements-or-indemnities/","id":89460,"nodeName":"5g.5 Third party agreements or indemnities","title":"Third party agreements or indemnities","type":"pORRule","image":null,"assets":null,"headerOptions":{"headerTitle":"Third party agreements or indemnities","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"","subHeader":"","browserTitle":null,"silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84OTQ2MCJ9","canonicalUrl":"https://www.scouts.org.uk/por/5g-insurance/5g5-third-party-agreements-or-indemnities/"}],"id":89455,"nodeName":"5g. Insurance","title":"g. Insurance","type":"pORChapter","image":null,"assets":null,"headerOptions":{"headerTitle":"g. Insurance","headerSubTitle":null,"headerCta":null,"headerCtaText":null,"headerCtaLink":null,"headerBackgroundColour":null,"showSEOImage":false,"headerBackgroundImage":null,"quickLinks":null},"searchDescription":"","subHeader":"","browserTitle":null,"silktide":"eyJjbXMiOiJVbWJyYWNvIiwiZWRpdG9yVXJsIjoiaHR0cHM6Ly9wcm9kLWNtcy5zY291dHMub3JnLnVrLy91bWJyYWNvIy9jb250ZW50L2NvbnRlbnQvZWRpdC84OTQ1NSJ9","canonicalUrl":"https://www.scouts.org.uk/por/5g-insurance/"}