Insurance
Insurance
Moving Mountains holds the following levels of charity/corporate insurance for all of its activities, both in the UK and abroad:
Public liability insurance to £10,000,000 • Employers’ liability insurance to £5,000,000 • Professional indemnity insurance to £5,000,000
Liability and indemnity
Notwithstanding anything else contained in any agreement, the liability of Moving Mountains Trust to the volunteer shall not in aggregate exceed the amount of the placement fee paid by the volunteer.
The volunteer agrees to indemnify Moving Mountains Trust against any and all liability which Moving Mountains Trust incurs arising directly or indirectly out of, or in connection (in any way) with, the volunteer’s travel to, living in and providing services in the volunteer’s nominated country.
Personal risk
The volunteer acknowledges and accepts the responsibilities and risks associated with their agreement to travel to, temporarily live in and provide volunteer services in a developing country. Such travel and volunteer work involves a certain degree of risk to the volunteer, both foreseen and unforeseen, all of which are fully accepted by and solely assumed by the volunteer. Therefore, Moving Mountains Trust including any and all of its trustees, employees, host families and host country partner organizations are not liable, to the maximum extent of the law, for any loss or harm the volunteer or associates may suffer, including but not limited to loss caused directly or indirectly by:
• Personal injury; • Emotional injury; • Death; • Illness or disease; • Damage to or loss of property; • Hostage situations; • War or terrorism; • Natural disasters; or • Any ‘Act of God.’
Personal and property insurance
It is a mandatory requirement for all volunteers to hold a certain level of both personal and property travel insurance covering as a minimum:
Medical £2,000,000 Exposure to Biological fluids £5,000 Needle Stick (HIV Compensation) £10,000 Cancellation or Curtailment £5,000 Missed Departure and delayed arrival £500 Delayed Departure £100 Personal Effects £2,000 Medical Equipment £2,000 Personal Liability £1,000,000 Legal Expenses £25,000
The volunteer is solely responsible for evaluating and determining the type, extent and levels of any insurance coverage they need or desire for their planned volunteer travel period. Any advice given by Moving Mountains Trust or any member of staff should not be taken as final and we will not be held responsible for events that should occur from the taking of this advice.
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