My own feeling is for most people who just happen to come across an accident they don't need insurance.



I think anybody who is doing first aid as part of an organised activity it is a good thing to have. 



Where it gets interesting is the work situation, especially where the public may be involved. And people like myself who spend a lot of my time at customer locations as part of my work.   

if Staniforth is referring to St John Ambulance they used to offer insurance to purchase on completion of courses . SJA currently include the cover as part of the course fees due to the requirements by the FSA for those who sell insurance.


http://www.sja.org.uk/sj...mbership-insurance.aspx

Commercial training within SJA is now managed by the Commercial training department , rather than individual counties - this has allowed standardisation of the commercial offering and has removed the need for certain people within the counties to concentrate on Generating Commercial training business rather than supporting Service Delivery and the Charitable Objectives.

CTD is not a seperate company , neither did CTD come around due to pressure from the Charity Commissioners , all it is is a change in reporting lines to NHQ - which has meant that the County Executive / County Manger in the CHQs is now responsible for 'business support' to Service Delivery , Membership and Volunteering and SJYouth rather than being the manager of commercial trainers .

As usual for the FAC never let the truth get in the way of libelling SJA .

OK, just noticed the thread is about business insurance not individuals.

Within British Law there is the "Good samaritan principle" that is there to stop people like First Aiders being sued providing they have done the right things within their skill set.



This was highlighted by Lord Young in his report on Health and Safety published in October 2010, he said that it was unfortunate that so few people knew about, or understood that the Good Samaritan Principle was there to protect people who were trying to help others, part of his recommendations were that the principle should go through legislation to ensure that people knew about it.



If you have done the wrong things then the Good Samaritan Principle will not protect you, but then neither will having insurance as no insurance company will pay out if you have done the wrong thing.



I think that we should not be looking at the question of should we have insurance, what we should be doing is lobbying to have that aspect of the Lord Young report looked at and action taken, so that we are all protected by the law from erroneous claims.