I wonder if organisations realise that all members including the Committee
Members personal assets are at risk if they have a claim which exceeds
their public liability insurance. This might also include your Insurance
Company refusing to pay out because you did not have a up to date
Risk Assesement . Ie you might have to sell your house.
I would recommend all organisations to become a Company Ltd by
Guarantee , as well as a Charity. A Company is easy to form and not
very expensive . It limits the liability of each member to £1.
We used Ashcroft Cameron 5 Holywell Hill St. Albans AL1 1EU
0727 847523 . They know all the right jargon for Articles of Association
as a Indepenant Lifeboat or Rescue Service. Your Trustees become
Directors , and you retain your Charity Status.
Risk assessment has to be very details , and we use a Mr Ron Hancock
a professional assessor. Who is sympathetic price wise to voluntary
organisation. 01794523942 07857769638 . Who having gone right
through our organisation has a Custom Risk Assessment which would
cover all sea rescue organisations.
Also do not forget if you have any juniors under 16 , your Instructors
need to have CRO Disclosure Certificate.
Hopes this is helpful , contact me at any time on firstname.lastname@example.org
for further information on this subject