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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Hi David,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Whilst you can never guarantee these things, my general advice would rather than concern yourself about insuring yourself you focus on training. If your team
are briefed, trained and generally aware this should generally be all you need. A CR station can be sued (see:
<a href="http://www.independent.co.uk/news/uk/home-news/londons-jewish-radio-station-closes-after-galloway-sues-891492.html">
http://www.independent.co.uk/news/uk/home-news/londons-jewish-radio-station-closes-after-galloway-sues-891492.html</a>) but most people would not see it as a good move. Newspapers get sued regularly, but mainly because they deliberately pushing the envelope
to get exclusives or attempting to uncover truths that people don’t want exposing. Recent changes to libel law do give us more protection, including greater scope around what used to be called fair comment. By All means cost this out, but training costs you
nothing and will put you in a good place. Having insurance and not training could actually make things worse should anyone attempt to sue.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Regards<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Richard<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">**Disclaimer – I am not a lawyer, so take this advice from station to another **
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Richard Berry<br>
Senior Lecturer in Radio / Spark FM Station Manager<br>
Room 101B, David Puttnam Media Centre,<br>
University of Sunderland, SR6 0DD<br>
(+44) 0191 515 2239</span></b><b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><a href="https://www.facebook.com/sunderlanduniversityFADM" target="_blank"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D;text-decoration:none"><img border="0" width="48" height="48" id="Picture_x0020_22" src="cid:image001.png@01D02B3F.D726E990" alt="cid:image001.png@01CF83D7.DCFA9250"></span></a><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:black"> </span><a href="http://www.twitter.com/richardberryuk" target="_blank"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D;text-decoration:none"><img border="0" width="48" height="48" id="Picture_x0020_21" src="cid:image002.png@01D02B3F.D726E990" alt="cid:image002.png@01CF83D7.DCFA9250"></span></a><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:black">
</span><a href="http://www.sunderland.ac.uk/faculties/adm/" target="_blank"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D;text-decoration:none"><img border="0" width="135" height="63" id="Picture_x0020_20" src="cid:image003.jpg@01D02B3F.D726E990" alt="cid:image003.jpg@01CF83D7.DCFA9250"></span></a><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:black">
</span><a href="http://www.sparksunderland.com/"><span style="color:#1F497D;text-decoration:none"><img border="0" width="60" height="56" id="Picture_x0020_23" src="cid:image006.jpg@01D02B3F.D80DEE30" alt="spark_logo_masterbrand"></span></a><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:black"> </span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span lang="EN-US" style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> comradio-l-bounces@mailman.commedia.org.uk [mailto:comradio-l-bounces@mailman.commedia.org.uk]
<b>On Behalf Of </b>David Sharp<br>
<b>Sent:</b> 08 January 2015 12:25<br>
<b>To:</b> comradio-l@mailman.commedia.org.uk<br>
<b>Subject:</b> [comradio-l] Comm Radio station insurance<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black">Hi Community Radio mailing list,
<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black">Sorry for the boring post.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black">I'd like to find out what insurance other Community Radio stations are covered by - and especially what level of cover people would recommend for Professional Indemnity i.e. covering
potential libel claims against the station etc..... If indeed you are all covered by this..... perhaps some stations just have basic business/charity insurance?<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black">As I have a tight budget (don't we all?) I am trying to balance my insurance spend against risk. While libel damages can potentially be large (mainly due to legal costs), presumably
the amount of times Community stations have been taken to court is zero or very low.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black">I'd be interested to read any info on libel cases against Community stations, and your advice on what amount of Professional Indemnity cover to pay for (and what your premium is)<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black">I'll ask an interesting question about jingles next time, promise !<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:black">Dave<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black">--<o:p></o:p></span></p>
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<p class="MsoNormal"><em><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black">Dave Sharp</span></b></em><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><em><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black">General Manager</span></em><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><em><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black">105.9 Academy FM Folkestone & 107.8 Academy FM Thanet</span></em><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><em><span style="font-family:"Arial","sans-serif";color:black">Mobile: 07811 407635</span></em><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><em><span style="font-size:10.0pt;color:black">Folkestone office: 01303 721059 (Ext.4)</span></em><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><em><span style="font-size:10.0pt;color:black">Internal Folkestone Academy: x2499</span></em><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><i><span style="font-size:10.0pt;color:black">Ramsgate office: 01843 808234</span></i><span style="font-family:"Calibri","sans-serif";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><a href="mailto:dave.sharp@academyfmfolkestone.com"><em><span style="font-family:"Arial","sans-serif"">dave.sharp@academyfmfolkestone.com</span></em></a></span><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black"> <o:p></o:p></span></p>
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