Guidance

The role of the insurance industry in dealing with civil emergencies

A framework for co-operation in the event of an emergency.

Document

Detail

This document sets out a framework for co-operation between the insurance industry, police services, fire and rescue services, local authorities, the Air Accidents Investigation Branch (AAIB) in the event of an emergency. It is not legally binding, but there is an expectation that parties to the protocol will abide by its provisions and co-operate to the fullest possible degree in ensuring it is operationalised. The protocol is intended to cover England and Wales.

Public safety and the preservation of evidence are the primary priorities in any emergency. Judgements about public safety are entirely a matter for the emergency services, local authorities and other key responding partners and where appropriate Department for Transport (DfT) Accident Investigation Branches). This protocol uses the term “emergency” as defined in the Civil Contingencies Act 2004. This maps very closely across to what emergency services personnel would operationally call a “major incident”.

The response to any emergency will be on a multi-agency basis. Effective co-operation is the cornerstone of an effective response and recovery effort. As Emergency Response and Recovery recognises, the insurance industry is a key enabler in the recovery process and it is in the interests of the communities affected that they are engaged appropriately in the emergency management effort.