Our work with Liberty Mutual Insurance How LMI recognised the need for a new safeguarding solution for the insurance industry

staff writesLiberty Mutual Insurance (LMI) is an international insurance company. They insure a number of organisations in the UK that provide services for children, such as education and sports.

LMI provide an insurance policy which offers an indemnity to the Insured if an allegation of abuse is made and compensation to the victim(s) if the Insured is found to be negligent. 

Safeguarding is important to LMI because they recognise there have been a number of high profile court cases bringing safeguarding of children into focus. 

LMI recognised the need for a different solution to be brought forward by the insurance industry and a level of responsibility of duty of care to children.

"It became very clear to us early on that LMI were very serious about their commitment to safeguarding and preventing abuse."

Nick Mortimer from LMI said: “What if we were to spend a little of that money we would normally spend once in legal costs at the outset of us insuring these organisations and prevented the abuse taking place in the first through better risk management ".

LMI were very passionate and committed to achieving their vision, which was to make the process for assessing organisations more robust, reducing the risk of liability claims and protecting children from abuse and neglect. It became very clear to us early on that LMI were very serious about their commitment to safeguarding and preventing abuse.

Both the NSPCC and LMI recognised this would be an excellent approach however it would be a real challenge as what was being proposed was unique in the Insurance world.  The question Nick Mortimer put to us was, "How do we make this happen and what’s the best way of achieving this goal?".

LMI were keen to work collaboratively with the NSPCC to create a cohesive and responsive solution, positively influencing the societal and cultural shift through engaging organisations and brokers, and translating vision into action.

We've been working with LMI for the last 18 months on developing products to make the process for assessing organisations they insure more robust, to reduce liability claims and minimise the risk of harm to children. While this work has been ongoing LMI have continued to show their commitment to increase their knowledge and skills in safeguarding as well as for their employees. LMI have worked with us on capacity building LMI stakeholders on safeguarding governance and responsibilities and have valued NSPCC’s expert view on safeguarding practices, procedures across sectors.

"LMI are keen to continue this relationship with NSPCC long term and will work collaboratively with us to improve safeguarding arrangements in organisations they insure and support the NSPCC in ending cruelty to children."

LMI have also been working with our corporate fundraising team to consider ongoing relationship with the NSPCC and to support any fundraising to prevent abuse.

Nick Mortimer from LMI visited one of our service centres and the project was Letting the Future in, which helps children who've been sexually abused to recover. Nick was very impressed to see the work being undertaken and is very keen to work collaboratively with the NSPCC to support such service. 

LMI are keen to continue this relationship with NSPCC long term and will work collaboratively with us to improve safeguarding arrangements in organisations they insure and support the NSPCC in ending cruelty to children. 

Nick Mortimer said, "The teams within the NSPCC we have engaged with have always been of the highest professional standard, we have been guided by them in a non-authoritative non-judgemental way and they've continued to support us with Liberty Safeguarding product.

 

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