Hi just looking for some advice here
small not for profit agency. Admin oversight (maternity leave) had allowed our insurance cover to lapse...nobody knew. one day a small accident occurs to a disgruntled member of staff. I ring the insurance company to be told of the lapsed policy. I panic but am assured that because we have held apolicy for 9 years it is no big deal and the premium will just be backdated. ..RELIEF!
henceforth..i receive formal notice of claim etc, send all into insurer only to get a letter stating that cover was only in effect from a few hours after the accident and as such they will not be handling the claim.
I called them and explained previous correspondence but they say they have no note of this and it would be most unusual and while they will discuss the matter and revert it does not look good for us.
What can we do? immediately I can see it as a possible sacking offense for the poor admin who innocently forgot whilst she was on maternity leave (that was not covered for her) and may very well be the death knell for an organisation that relies on govt funding (much reduced recently) and struggles to try help in society, thus endagering the jobs of over 35 people.
Any advice.
small not for profit agency. Admin oversight (maternity leave) had allowed our insurance cover to lapse...nobody knew. one day a small accident occurs to a disgruntled member of staff. I ring the insurance company to be told of the lapsed policy. I panic but am assured that because we have held apolicy for 9 years it is no big deal and the premium will just be backdated. ..RELIEF!
henceforth..i receive formal notice of claim etc, send all into insurer only to get a letter stating that cover was only in effect from a few hours after the accident and as such they will not be handling the claim.
I called them and explained previous correspondence but they say they have no note of this and it would be most unusual and while they will discuss the matter and revert it does not look good for us.
What can we do? immediately I can see it as a possible sacking offense for the poor admin who innocently forgot whilst she was on maternity leave (that was not covered for her) and may very well be the death knell for an organisation that relies on govt funding (much reduced recently) and struggles to try help in society, thus endagering the jobs of over 35 people.
Any advice.