Charity Insurance
Comprehensive insurance coverage for charities, protecting mission-driven organisations.
Charity Insurance
Comprehensive insurance coverage for charities, protecting mission-driven organisations..
Secure Your Mission: Comprehensive Insurance for Charities That Make a Difference.
As a passionate and mission-driven charity, you focus on making a positive impact in the world. But have you considered the importance of having comprehensive insurance coverage? It’s a vital safeguard that ensures your organisations long-term sustainability and peace of mind.
Why is charity insurance essential?
- =Protecting Your Assets: Insurance safeguards your valuable assets, including property, equipment, and other resources. In the event of unforeseen events like fire, theft, or natural disasters, you won't have to worry about starting from scratch.
- =Legal Liability Coverage: Charities interact with the public, volunteers, and donors, which exposes them to potential legal claims. Insurance offers liability coverage, protecting you against lawsuits, accidents, and injuries that may occur during events or daily operations.
- =Volunteer and Employee Protection: Your dedicated volunteers and staff contribute their time and skills to support your cause. Insurance provides coverage for volunteer accidents, ensuring their well-being and protecting your organisation from potential liability.
- =Fundraising Event Security: Hosting fundraising events is a fantastic way to generate support and funds. However, accidents or property damage during these events can result in financial setbacks. With insurance, you can organise events with confidence, knowing you have coverage in case of unforeseen incidents.
- =Professional Indemnity: If your charity offers professional advice or services, professional indemnity insurance protects you against claims of professional negligence, errors, or omissions. It offers financial protection and defends your reputation.
- =Peace of Mind for Donors: Donors want to ensure their contributions go to a reliable and responsible organisation. Having insurance demonstrates your commitment to risk management and instills confidence in potential supporters.
- =Data Breaches: Some policies may offer coverage for claims resulting from data breaches or unauthorised access to client information.
By investing in comprehensive insurance coverage, you’re safeguarding your charity’s mission, reputation, and financial stability. Don’t let unforeseen events hinder your ability to make a difference. Get the insurance protection you need and continue spreading positive change with peace of mind.
Charity Insurance: What are the options?
We’re here to provide you with an overview of the various types of insurance coverages available to help protect your organisation, assets, volunteers, and beneficiaries. Whether it’s safeguarding against liability claims, securing your property, or ensuring the success of your fundraising events, we’ve got you covered. Explore the following insurance options designed to meet the specific needs of charities and gain the peace of mind you deserve as you make a difference in the world.
Employers Liability
A charity that employs staff is considered an employer under the law (this can include volunteers and trustees). All UK employers are required to take out Employers Liability Insurance with a minimum cover of £5,000,000 however most insurers issue this section at £10,000,000.
Professional Indemnity Insurance
When a charity offers professional services or advice, such as counseling or information, they can be held legally liable for any harm caused by negligence. This includes liability for losses, injuries, or damages resulting from the service or the advice/information provided.
Buildings Insurance
Charities, as building owners, must insure for full reinstatement value. Seek advice from a building surveyor to determine the correct sum insured. If a lessee, review the lease terms to clarify insurance responsibility between the charity and landlord. Avoid underinsurance and protect your assets effectively.
Employee Dishonesty
This coverage is commonly an extension to existing policies and protects against losses resulting from employee fraud or dishonesty involving the charity’s funds or valuable items. Extending this cover to volunteers is recommended. Claims require evidence of adequate arrangements and proper employee supervision for payment.
Trustee Indemnity
Trustee Indemnity provides financial protection for trustees or board members against claims arising from wrongful acts. While it covers damages to the organisation, it does not include costs for criminal fines or penalties, or expenses resulting from fraud, dishonesty, or reckless conduct convictions.
Public Liability
Charity and trustee insurance offers protection against third-party liability claims for bodily injuries, property damage on premises, and off-site activities. It extends coverage to activities conducted away from the premises, subject to certain exclusions. Safeguard your organisation and trustees with comprehensive coverage.
Motor Insurance
Charities may own or operate motor vehicles, including single vehicles or vehicle fleets. Proper classification of use is essential. Additionally, if employees, volunteers, or trustees use personal vehicles for charity purposes, it’s important to ensure their personal insurance covers such usage. Stay protected on the road.
Contents Insurance
Contents insurance for charities provides coverage for owned assets like furniture and computer equipment. It safeguards against risks such as theft, fire, and damage. This policy ensures financial protection, allowing charities to replace or repair essential items, enabling them to continue their important work with peace of mind.
Legal Expenses
Commonly added as an extension to existing covers, this policy assists with legal expenses incurred when a charity initiates or defends legal proceedings. It helps cover costs related to such proceedings, providing financial support and protection to ensure the charity’s legal rights are upheld.
We use a range of insurers and tailor the cover to meet our clients needs. We review this each year to ensure that cover remains effective and costs remain competitive.
Not what you're looking for? Don't worry, take a look at some other options or, give us a call.
Contact us
Whether you want to find out a bit more about what we do or you need to discuss your existing policy. Get in touch.
Our Useful Charity Resources
Charity Insurance Cover Overview
Explore our comprehensive Charity Insurance Cover Overview document to gain a thorough understanding of the tailored protection we offer to safeguard your charity.