Food bank insurance

This offers protection for third-party liability claims against your food bank. This can include claims by visitors, volunteers, and other members of the public.

This means if they are ill, injured, or die, or their property is damaged and they sue, claims costs are covered. So medical fees, legal expenses, and compensation claims would be taken care of. 

If your charity owns buildings or is responsible for them under a maintenance agreement, you may need buildings insurance. Accidental damage and subsidence can be added, and we cover listed buildings, too. 

Contents insurance can cover the organisation’s belongings, like furniture, stock (stored and transported, and at multiple locations), and donated goods. Then, if a fire, flood, theft, accidental or malicious damage happens, you'd be covered financially.

If your charity has employees, you’ll need employers’ liability insurance by law. The minimum is £5m. This covers the cost of a claim if someone who works for you gets injured or ill through their work and sues the charity. This can include claims from volunteers, too.

Without this cover, you could face large fines, uninsured claims, and damage to your charity’s reputation. 

We can provide charity insurance for your cars, vans, MPVs, and minibuses. Our charity motor insurance is also provided on an any-driver basis. 

This means any of your staff are insured to drive the vehicles at any time, including volunteers (with a few limitations, as outlined in the policy documents).

Unexpected events, like fires, floods, and storms, can stop a charity from doing its work – and even staying afloat. This covers lost income and additional costs if your organisation is unable to continue operating after this happens.  

If your charity offers guidance or advice, or does consultancy work, you’ll want to consider this protection.

That's because it can cover the cost of claims if someone accuses the charity or its people of negligent advice or services that have caused them loss.

Legal fees and compensation costs for claims can be very high, but with this insurance in place, they’d be covered. 

Management liability – or trustee indemnity insurance – protects the personal liability of people in positions of authority. That’s your individual trustees, directors, governors, officers, and committee members.

With this cover, if a claim is made against them for committing a wrongful act – such as a breach of health and safety or wrongful dismissal – legal defence and compensation costs are covered. Without this insurance, they’d potentially have to pay these costs out of their own pocket.