Your Renewal Summary
Liability &
Indemnity Renewal
Protecting your mission, your team, and your impact
Jeremy Gilley MBE
Founder & CEO, Peace One Day Limited
Richmond, United Kingdom
Your Recommendation
Renewal Overview
Dear Jeremy,
Thank you for your continued trust in Broadbench to protect Peace One Day. As you prepare for another year of driving global unity and action through film, education, and international campaigns, ensuring your organisation is fully protected against unforeseen liabilities is critical.
Your work involves complex international campaigns, high-profile events, and the production of promotional films that reach millions. With such a broad and impactful operational scope, the risks associated with professional negligence, public safety at events, and the wellbeing of your team must be carefully managed.
This page summarises your upcoming Hiscox renewal for Professional Indemnity, Public Liability, and Employers' Liability. I have outlined the key features of your cover and provided real-world scenarios demonstrating how these policies protect Peace One Day in practice.
The following sections set out your renewal details.
Tom Hitchcock
Founder / Director · Protection Adviser
Broadbench Ltd
Policy Summary
Your Cover at a Glance
A complete overview of your Hiscox liability renewal, including cover limits, excesses, and annual premiums.
Hiscox Insurance Company Limited
08/05/2026 — 07/05/2027
PL-PSC10003462792/02
Continuing Cover
Professional Indemnity
£1,874.41 p.a.Errors, omissions & negligence in professional services
£1,000,000
£1,000
Public & Products Liability
£1,453.55 p.a.Third-party injury or property damage from business activities
£1,000,000
£250
Employers' Liability
£358.93 p.a.Employee injury or illness arising from their work
£10,000,000
£0
Crisis Containment
IncludedEmergency PR and crisis management support
£25,000
—
£4,129.32
Including Insurance Premium Tax (£442.43)
£344.11 per month via Direct Debit·12 monthly payments from 22/05/2026
Professional Indemnity
Protecting Your Professional Services
Covers claims of professional negligence, errors, or omissions in the services and content Peace One Day provides — specifically tailored for your business activities as film producers and creators of promotional and information videos.
£1,000,000 Limit
Each and every claim, excluding defence costs — providing substantial cover for professional negligence claims.
Worldwide Cover
Geographical limits extend worldwide, with claims applicable in courts outside the USA and Canada.
Court Attendance
Compensation of £500/day for directors and £250/day for employees if required to attend court proceedings.
Retroactive Cover
Retroactive date of 08/05/2024, covering claims arising from work performed since that date.
Copyright Infringement in Film Production
Peace One Day produces a promotional video for the #Ai2peace campaign. A third-party creator alleges that a segment of the video uses their copyrighted material or intellectual property without permission, demanding compensation and threatening legal action to halt the campaign.
Your Professional Indemnity policy covers the legal defence costs to respond to the copyright infringement claim, as well as any damages awarded to the third party, up to your £1,000,000 limit. This ensures the financial stability of the charity is not derailed by intellectual property disputes.
Negligent Advice in a Campaign Partnership
Peace One Day partners with a corporate sponsor for a global awareness campaign. The sponsor claims that strategic advice provided by Peace One Day regarding messaging and audience targeting was negligent, resulting in reputational damage and financial loss to their brand. They pursue a claim for professional negligence.
Professional Indemnity insurance would cover the legal costs to defend against the negligence allegation, and any settlement or damages awarded. With worldwide cover, this protection applies regardless of where the campaign was delivered.
Public & Products Liability
Protecting the Public at Your Events
Covers claims made by members of the public for injury or property damage caused by Peace One Day's business activities, including events, live streams, and community engagement.
£1,000,000 Limit
Each and every claim for third-party bodily injury or property damage caused by Peace One Day's business activities.
UK & EU Cover
Geographical limits cover the United Kingdom and European Union, where the majority of your events and activities take place.
Abuse or Molestation
£1,000,000 aggregate cover for abuse or molestation claims — critical for any organisation working with vulnerable groups or young people.
Representation Costs
£250,000 aggregate for representation costs, plus court attendance compensation for directors (£250/day) and employees (£100/day).
Injury at a Peace Day Event
During a live-streamed Peace Day celebration event, a piece of lighting equipment falls, or a trailing cable causes a guest or venue staff member to trip and suffer a serious injury. The injured party sues Peace One Day for negligence, claiming the event was not properly managed.
Public Liability insurance covers the legal costs to defend the claim and any compensation awarded to the injured party for their medical expenses and loss of earnings. The £250 excess applies only to property damage claims — bodily injury claims have no excess, protecting the organisation's funds.
Property Damage During Filming
While filming a documentary segment at a historic venue, Peace One Day's production crew accidentally damages a valuable piece of artwork or fixture. The venue owner demands compensation for the repair and loss of income during the closure period.
Public Liability insurance covers the cost of repairing or replacing the damaged property, as well as any consequential losses claimed by the venue. After the £250 property damage excess, the full claim is covered up to the £1,000,000 limit.
Employers' Liability
Protecting Your Team
A legal requirement in the UK, Employers' Liability covers your legal liability for injury, illness, or disease sustained by your employees — including temporary staff and volunteers — during their work for Peace One Day.
Legal Requirement: Under the Employers' Liability (Compulsory Insurance) Act 1969, most employers are required to have at least £5,000,000 of Employers' Liability cover. Your policy provides £10,000,000 — double the statutory minimum.
£10,000,000 Limit
Each and every claim, including defence costs — providing the highest level of protection for employee-related claims.
Worldwide Cover
Geographical limits extend worldwide, with claims applicable in UK, Isle of Man, and Channel Islands courts.
Zero Excess
No excess on any Employers' Liability claim — you pay nothing out of pocket when a claim arises.
War & Terrorism
Special sub-limit of £5,000,000 for war, terrorism, and nuclear risks — relevant given Peace One Day's work in conflict-adjacent areas.
Employee Injury on Location
While filming a documentary segment in a challenging environment, a Peace One Day employee or volunteer sustains a severe back injury due to inadequate safety briefings or equipment failure. They hold the organisation responsible for their injury and inability to work, pursuing a substantial compensation claim.
Employers' Liability cover handles the legal defence and pays the required compensation to the employee. With a £10,000,000 limit and zero excess, even catastrophic injury claims are covered — ensuring you meet your legal obligations as an employer without endangering the charity's finances.
Work-Related Stress Claim
A member of staff working on an intensive global campaign develops a serious stress-related illness. They claim the organisation failed to provide adequate support and reasonable working conditions, and that the demands of coordinating international events and tight production deadlines contributed to their condition.
Employers' Liability insurance covers work-related illness claims, including stress and mental health conditions. The policy would fund the legal defence and any compensation awarded, protecting the charity from a potentially significant financial burden.
Next Steps
What Happens Next
A clear, straightforward process to ensure your cover continues seamlessly.
Review Renewal Terms
Review the cover limits, excesses, and scenarios outlined above. Ensure the policy accurately reflects Peace One Day's current activities, including film production, events, and international campaigns.
Confirm Details
Verify that all business activities — such as film production, live events, educational programmes, and the #Ai2peace initiative — are accurately represented in the policy schedule. Let me know of any changes to your operations.
Policy Continuation
As this is a continuing cover policy paid via monthly Direct Debit of £344.11, no immediate action is required unless you wish to make changes. Your cover will renew automatically on 08/05/2026.
Ongoing Support
Broadbench remains on hand throughout the year to assist with any queries, mid-term adjustments, or claims. If Peace One Day's activities change or expand, we can review your cover at any time.
Tom Hitchcock
Founder / Director · Protection Adviser
Broadbench Ltd
Verified reviews on Trustpilot
“Tom was incredibly helpful and knowledgeable”
Tom was incredibly helpful and knowledgeable. He took the time to understand my needs and provided clear, tailored advice. The whole process was smooth and stress-free. Highly recommend!
Sam Sherwood
March 2025