Home > Broker Bulletin No. 9 – Police Risks – National Ballistics
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Broker Bulletin No. 9 – Police Risks – National Ballistics
Background
Following the 2016/17 review of NABIS (National Ballistic Intelligence Service), Police and Crime Commissioners agreed that the hosting provision currently in place with West Midlands Police Force (WMP) and Greater Manchester Police Force (GMP) should be retained. This has now been formalised with the production of a Section 22a agreement in June 2018 – please see Sources section.
In response to the review, RMP and QBE have therefore decided to reflect the collaboration agreement regarding the allocation of liability funding (for civil claims) within our own Public Liability and Officials’ Indemnity policies, effective from 1st April 2017 (the date of the collaboration agreement).
This means that funding for the settlement of any claims for damages, along with all associated costs (defence and claimant) where it can be shown liability attaches to one or more forces, will be allocated to all forces as per the allocation split shown at the end of this bulletin.
For a liability policy this is effectively a non-negligent agreement. The split in claims funding applies irrespective of the negligence or otherwise of WMP and/or GMP.
Public Liability Cover
The agreement in respect of public liability claims will apply to all policies in place at the time of the occurrence giving rise to the claim and which occur after the 1st April 2017. Any claims will be subject to the policy self-insured retention.
Officials’ Indemnity Cover
The agreement in respect of officials’ indemnity claims will apply to all policies in place at the time of claim being made and subject to the policy retroactive date, and where the event giving rise to the claim and the claim itself is made on or after 1st April 2017. Any claims will be subject to the policy self-insured retention.
In all cases claims will be subject to the policy usual terms, conditions and exceptions and obviously these comments only relate to RMP/QBE policies and not that of any other insurer. We recommend if you are not insured with RMP/QBE for liability risks that you seek your own independent advice from your insurer/broker.
Example:
The division of liability between the forces as per schedule 6 of the NABIS agreement is shown in the table in the actual resource document which can be downloaded by clicking the button above. In the final 2 columns we show the split of payments to be made for an example claim valued at £1m – please see Sources section.
Policy Wording
On a rolling programme from 1st October 2018 we will be applying an endorsement to all our Police Public Liability and Officials’ Indemnity policies applying the change in wording effective from the 2017 renewal date but no earlier than 1st April 2017.
It should also be noted that if the percentage split of the agreement as shown is ever the subject of a variation then subject to the variation being shown to RMP/QBE our public liability and officials indemnity’ policies will follow the revised split from the date of the variation.
How can we help you?
For more advice on how we can help lower the cost of your risk, please email contact@rmpartners.co.uk
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