Why do CTO members need insurance?
In a perfect world, every member of the community would have equal access to all facilities and necessities. But in our far from perfect world, the services of community transport providers like you are especially valuable. Regardless of the important role you play though, the possibility of a client alleging your service caused them an injury or other type of loss is very real. It is therefore important you hold appropriate insurance for your organisation to help ensure all the good you do isn’t wiped away with one small mishap.
As the approved insurance broker to the Community Transport Organisation (CTO), Aon have over 30 years' experience in understanding the risks commonly faced by your industry. By partnering with organisations such as CTO, and leveraging our relationship with insurers, we’re able to arrange cover that has been specifically designed to cater to the key risks not-for-profits such as yours face.
Why choose Aon for Not-for-profit Insurance?
When it comes to insurance for your not-for-profit organisation, there are a number of options available to you, and you may or may not need more than one. We understand it can be confusing, and there are a lot of pieces to put together. So as part of our commitment to making insurance easy to understand, buy and manage, we’ve developed the NFP Insurance Puzzle Helper to help you identify what insurance you may need, what you may not need, and most importantly, why.
- Professional Indemnity insurance: cover for any professional services provided by your organisation;
- Management Liability: cover for your organisation’s directors and officers against legal liability arising out of their management duties;
- Employment Practices Liability: cover for employment-related claims brought by current, former or prospective employees against your organisation; and
- Fidelity: cover for direct financial loss suffered by the organisation as a result of fraud or dishonesty committed by an employee. 1
As a Not-for-profit organisation, you may store a lot of personal information on your systems. A cyber attack on your organisation may result in unauthorised release of that information. Standard insurance cover such as Public Liability and Professional Indemnity may not protect you in the event of a cyber attack, and as such the financial implications for your organisation could be very significant.
In response, Aon has worked with our cyber risk experts to develop a competitively priced insurance cover that helps protect your Not-for-profit.
If you’re unsure of the insurance you need for your event, Aon’s NFP Insurance Puzzle Helper can help you decide. You can also speak to a member of Aon’s Not-For-Profit team by calling 1800 123 266.
What if I need to make a change to my policy?
It is important to keep your policy up to date with the changing shape of your work but also to keep your business and personal information up to date in the event of a claim.
Should your business circumstances have changed, for example, you have changed the services that you offer and you are not sure if your existing insurance provides covers for any new activities, you can always call one of our experienced friendly brokers to discuss on 1800 123 266.
How do I receive my certificate of currency?
Your broker will email you your certificate of currency once payment has been made on your policy.
What are your opening hours?
Our opening hours are 8.30 a.m. to 5.00 p.m. AET Monday to Friday (except public holidays). If you need to contact us out of hours you can email us at email@example.com and we will pick up your query on the next business day.
How can I make payment?
You can make payment over the phone by calling our team on 1300 854 017 or follow the instructions at the bottom of your invoice.
What is the process after I have completed the proposal form?
After you have completed the proposal form you will need to click the ‘Submit’ button at the bottom of the form, or forward the form to our NFP team at firstname.lastname@example.org. As long as you have provided the necessary information, we will respond to your email with an appropriate quotation or, if required, refer the quotation to our panel of insurers for terms.