Charity & Not-for-profit insurance

Any charity which employs staff will be required to have Employers Liabilty Insurance in place by law.  Similarly if a charity operates motor vehicles then it is required to have motor insurance in line with the Road Traffic Act.

It's important to note that other insurances such as Public Liability, whilst not required at law might be required by Local Authorities or regulators depending on the type of work undertaken by the charity. 

Yes, we can cover large and complex charities. For us, these are charities with an annual turnover of over £750,000. Along with the insurance you need, you'll get a personalised service with a dedicated account manager who will handle your policy and cover reviews.

Cover can include asset protection and asset transfers (including community centres and grade-listed buildings), and car insurance on an any-driver basis, which can include your volunteers. Being properly protected can help your charity maintain its reputation and give your clients peace of mind.

If you’re not sure which cover types are right for your charity, using an independent broker (like us) can be invaluable. We’ll ask you a few details about your organisation, which can help reveal your risks and the types of cover you could benefit from. These could include:

• How many employees and volunteers do you have?
• Do you deal with third parties or members of the public?
• Do you rent, own, or lease your premises?
• Do you need to insure any business equipment, such as computers, stock, or furniture?
• Do you run events, either regularly or as one-offs?
• Do you have a contingency plan in place if something happens to where you operate?
• Do you hold customer or employee data, or use a computer to operate, or have a website?
• What sort of activities do you provide to your service users?

We’ll make sure all of these areas are covered, so no stone is left unturned when it comes to your policy.

Whatever insurance you need, we can combine it into one straightforward policy. Depending on what you’re looking to protect, you could consider:

Legal expenses insurance
Covers legal expenses for disputes if your charity needs to take legal action or defend itself. This is for issues such as employment disputes, contract disputes, charity commission investigations, and tax protection. Expert advice through a legal helpline is included. 

Group travel insurance
Does your charity organise trips for activities or conferences, at home or abroad? Group travel insurance can cover your directors, trustees, staff, and volunteers for trips outside of the country on behalf of your charity or not-for-profit. Emergency medical expenses and loss or damage to property are included, along with a 24-hour emergency helpline for support and reassurance. 

Group personal accident insurance
This pays out if people at your charity develop a serious injury, disability, or die due to an accident. We can adapt how the benefits pay out and what’s covered to suit your charity. 

Fidelity insurance
Charities often have high turnover of staff and volunteers. This may unfortunately leave them vulnerable to employee fraud and dishonesty. This cover provides compensation for financial loss after an employee commits an act of fraud or dishonesty.

Charity event insurance
From public and employers’ liability to cover for cancellation and curtailment, charity event insurance covers the risks involved with running one-off charity events. Don’t worry if you’re running an unusual event. Whether it's raffles and games evenings or large annual fetes and open days, the insurers on our panel are flexible. 

It’s not a legal requirement, but it’s sensible for charities to consider cyber insurance. Charities, community groups, and social enterprises, big or small, can be particularly vulnerable to cyber risks due to the sensitive client data they store. 

While hacking is often reported as the cause of a data breach, a computer virus or an employee slip-up can be the culprit, too – so it’s important to be prepared.

Consider what would happen if a cyber breach happened at your organisation, and your data or network was compromised. As well as reputational damage, you may have to put fundraising activities and events on hold while you deal with the fallout. Cyber insurance can minimise the impact of this. 

The policy also comes with our expert advice and risk management evaluations to help you build a robust cyber strategy. If you think we can help, get in touch with our team today.

Cover varies by insurer and some policies will not cover volunteers unless they are specifically mentioned to the insurer, usually as a number who support the charity as a full time equivilant number.  It is important to check this otherwise you may not be covered under the Employers and Public Liability sections of the policy.

Yes it is possible to purchase a policy for a one off event, however if you organise a few events through the year it might be more cost effective to consider an annual events insurance policy.

It is also worth checking that if the one off event is low risk that it is not automatically covered under your main insurance policy.