The role of the insurance company
As an insurance company, Ecclesiastical insures a broad range of organisations and businesses, providing property and liability cover in our specialist markets – charity, faith, heritage and education. We insure our policyholders against many different eventualities, including property damage, employer’s and public liability.
When a victim or survivor of abuse makes a PSA claim against an organisation that we insure, involving claims of alleged abuse perpetrated by its employee(s) or representative(s), it is the public liability section of the policyholder’s insurance policy, where it is held, that covers them against the claim.
Once a letter setting out the basis of the claim (“Letter of Claim”) has been received from a victim or survivor by an organisation we insure, it is required to pass the letter to us promptly, which gives us the right to take over the handling of the claim in the policyholder’s name – something that insurers generally do. Because the claims process is a legal one, we, in common with other insurers, may engage independent solicitors to provide advice.
When we take over the handling of the claim, that does not prevent the organisation we insure from being able to start or continue to offer support and care, including counselling, to the victim or survivor.
We have an experienced specialist team that handles all PSA claims. We allocate each claim against an organisation we insure to a senior specialist claims handler within the team.