Mental health charities insurance

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Protecting those who support others

Mental health charities sit at the heart of their communities, providing vital support to individuals, families, and wider networks. From helplines and counselling services to peer support groups and outreach programmes, your work makes a meaningful difference every day.

But with this important role comes responsibility. Supporting vulnerable people, managing sensitive information, and delivering essential services all carry risks. Trustees and committee members have a duty to protect their organisation, their people, and those they support, including ensuring the right insurance is in place.

  • Expert support

    We work with thousands of charities and not-for-profits to help them manage risk.

  • Competitive prices

    Value for money matters. We offer well-priced policies without compromising on quality.

  • Personal service

    We'll review, revise, and develop your insurance over the term, to help you stay fully protected.

What is mental health charity insurance?

Mental health charity insurance is designed to protect organisations that provide wellbeing and mental health support services. It covers the specific risks you face, from safeguarding service users to supporting staff and volunteers delivering sensitive, often high-impact work.

This can include protection for your buildings and its contents, your staff and volunteers, trustees, and a wide range of liabilities linked to delivering mental health support.

With the right cover in place, if something goes wrong; whether that’s a claim arising from advice given, an incident involving a service user, or disruption to your services, insurance may help cover certain costs, subject to policy terms, conditions and exclusions, so your organisation can continue to operate and support those who rely on you.

Insurance cover is subject to insurer acceptance, policy terms, conditions, exclusions and limits. The cover available will depend on your organisation's individual circumstances.

Why it matters

Mental health charities play a vital role in supporting individuals, families, and communities. Your work often involves vulnerable people and complex situations, which brings unique risks.

Having the right insurance in place:

  • Helps protect your services, staff, volunteers, and those you support
  • Demonstrates your duty of care and commitment to good governance
  • Provides financial resilience, so you can continue delivering essential support without interruption
     
community centre

We offer dedicated insurance for mental health charities, with cover designed around the realities of your work. Your policy could include:

  • Public liability insurance
  • Professional indemnity insurance (including advice and counselling services)
  • Employers’ liability insurance
  • Trustee indemnity insurance
  • Contents and equipment cover
  • Business interruption insurance
  • Cyber insurance (protecting sensitive personal data)
  • Legal expenses insurance
  • Group personal accident insurance for staff and volunteers
community gardening

More than insurance

  • Long-term partnership: We work with you to understand your services, risks, and future plans, offering ongoing reviews to keep your cover aligned as your organisation evolves.
  • Risk management support: Guidance on safeguarding, data protection, and health and safety, helping you meet regulatory requirements and protect those in your care.
  • Claims support you can rely on: Our in-house claims team and strong insurer relationships help ensure a smooth, efficient process when you need it most.
community learning

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Charities, not for profit & voluntary organisations enquiry form

To find out how we can best support your charitable organisation please complete the enquiry form below, or alternatively call a member of our specialist charity team on 0333 234 1351. Lines are open Monday to Friday, 9am-5pm.

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Mental health charity insurance FAQs

Yes. Mental health charities face unique risks due to the nature of the services they provide, often working with vulnerable individuals and offering advice or support. Specialist insurance can help ensure cover is aligned to these exposures, including safeguarding responsibilities, service delivery risks, and regulatory requirements.

Many organisations providing counselling or advisory services choose to purchase professional indemnity insurance.

This helps protect you if a claim is made alleging negligence, incorrect advice, or failure in service delivery. Depending on your activities, you may also need public liability, employers’ liability, and cyber insurance.

In most cases, yes. If your charity provides guidance, counselling, or mental health support, professional indemnity insurance is highly recommended. It offers protection against claims arising from advice or services provided, helping to safeguard your organisation’s reputation and finances.

Mental health charities often handle highly sensitive personal data, making robust data protection essential. Cyber insurance can help cover the costs of data breaches, cyber-attacks, and related incidents. Alongside insurance, implementing strong data protection policies, staff training, and secure systems is key to reducing risk.

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