Charity insurance quotes tailored for you

Giving your time and effort to a great cause can be hugely rewarding. If you run a small charity, social club, community group or not for profit organisation, you’ll know that it also comes with a unique set of risks.

From accidents involving volunteers or fundraising event visitors to allegations of wrongdoing against trustees, we understand that your organisation requires specialist cover. That’s why we make it easy for you to run a charity insurance comparison.

What charity insurance do I need?

Public liability insurance and employers’ liability insurance are usually fundamental covers for charities. If someone is injured or their property is damaged because of your organisation, public liability insurance can cover up to £5 million of costs.

If you employ staff or volunteers – whether full-time or part-time – employers’ liability insurance is usually a legal requirement. It covers you for up to £10 million of costs if someone who works for you falls ill or is injured while working for you. If you have trustees, you may also be required to have trustee indemnity insurance.

 

Types of cover charities may need

We understand that charities have several different risks when compared to other types of organisation. Here are some of the covers charities may need:

Charity public liability insurance

Public liability insurance is an important cover for charities. If a member of the public gets injured or suffers a loss because of your charity’s activities, it covers the resulting legal costs.

Charity employers’ liability insurance

This is a legal requirement for charities that have employees or volunteers. If an employee or volunteer gets ill or injured as a result of working for you, it covers the resulting legal costs.

Trustee liability insurance

Trustee liability insurance is sometimes called trustee indemnity insurance. It covers trustees, who can be held personally responsible for wrong or negligent decisions made by the charity. Legal costs can be high so it’s important to consider insurance.

Charity / Not for Profit Combined

Covering property assets, business interruption and key liabilities to the public, volunteers and employees.  This can include terrorism, money, legal expenses and flood cover.  We can arrange cover for any type of organisation and up to any limits required.

Cyber and Crime

The business landscape continues to evolve with technology. Protection from increasingly smart criminals and other unknowns is critical, in every sector.  This covers data losses, hacking and ransom and liability arising from spreading computer viruses as well as financial fraud.

Professional Indemnity

Cover for errors and omissions, or any advice or support, for any organisation continues to be worthy of consideration. We have expertise for traditional and emerging charities. Policies can be wide enough to insure any civil liabilities, so that almost all organisation should consider it as an important protection.

Motor Fleet

Protection for your fleet of vehicles or mini buses, to meet statutory requirements and balance sheet protection. Cover can be arranged in any format, from comprehensive to statutory liability. This is an area where effective risk management can have a big impact.

Marine

Moving your products and assets requires insurance. We help make this simple and consider the best way to not only replace or repair the assets, but all the loss of potential profits or revenue.  Cover can be arranged on a worldwide basis.

Engineering

Statutory protection, compliance and reliance on key plant needs specialist coverage.  The insurance and inspection aspects can all be accommodated along with support on whether items require LOLER or PUWER inspections.

People

Personal accident and travel solutions are increasingly important in the knowledge-based sectors where people assets are critical.  We arrange covers whilst at work, 24 horus at day and on a worldwide basis and for employees based abroad.

Complex risk

Whether it is for charity merger or social enterprise, we embrace complex risk solutions.  The insurance markets continue to consider innovative ways to provide protection for unusual businesses.  We enjoy the challenge of providing support.

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