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.