We provide insurance for all types of charitable organizations including registered charities, community interest companies (CICs), voluntary organizations, community groups, religious organizations, sports clubs, educational charities, and social enterprises.

Yes, even small community groups can face significant liability risks. Public liability insurance is essential for any group organizing activities or events, and trustee indemnity protects committee members from personal liability.

Trustee indemnity insurance protects trustees, directors, and committee members from personal liability claims arising from their management decisions. This includes employment disputes, regulatory investigations, and allegations of mismanagement.

Volunteers can be covered under public liability insurance for third-party claims, but personal accident insurance provides additional protection for volunteers who suffer injury or illness while helping your charity.

Professional indemnity is essential if your charity provides advice, training, counseling, or professional services. This includes mental health support, financial advice, training programs, or any form of professional guidance.

Charity insurance costs typically range from £200-£2,000 annually depending on your charity's size, activities, income, and coverage requirements. Many insurers offer discounted rates for registered charities.

Volunteer personal accident insurance would provide compensation for medical expenses and injury benefits. Public liability insurance would cover claims if the injury was due to negligence in organizing the event.

Many charity policies include event coverage, but large or unusual events may need separate event insurance. This covers cancellation costs, public liability, and equipment protection for specific events.

Yes, charities handling donor data, beneficiary information, or online donations face significant cyber risks. Data breaches can result in regulatory fines, legal costs, and reputation damage that cyber insurance helps cover.

Multi-site charities can be covered under a single policy. We'll assess each location's risks and ensure adequate coverage for all premises, activities, and equipment across your operations.

Charity shops need retail-specific coverage including stock insurance, public liability for customers, employers liability for staff, and potentially product liability for goods sold.

Yes, but additional safeguarding measures and enhanced professional indemnity coverage may be required. We work with insurers experienced in covering charities working with vulnerable groups.

Charity minibuses require specialist motor insurance covering volunteer drivers, passenger liability, and breakdown recovery. We can arrange comprehensive minibus coverage tailored to charity use.

Pure volunteers aren't employees, but if volunteers receive regular payments, expenses, or benefits, they may be considered employees requiring employers liability coverage. We'll assess your specific situation.

Public liability covers injury to third parties or damage to their property caused by your charity's activities. This includes events, premises visits, service delivery, and volunteer activities.

Yes, coverage can be extended for overseas activities including volunteer travel, international projects, and aid work. Additional considerations include medical coverage and evacuation insurance.

Trustee indemnity insurance typically covers legal costs for regulatory investigations, including Charity Commission inquiries into governance, financial management, or operational issues.

Online fundraising risks are typically covered under cyber liability insurance, but specific platforms or payment processing may need additional coverage. We'll review your digital fundraising activities.

Care services require enhanced professional indemnity, premises liability, and potentially clinical negligence coverage. We work with specialist care insurance providers for these complex risks.

Yes, new charities can obtain immediate coverage. We'll assess your planned activities and provide appropriate protection from day one of operations, with policies that can grow with your charity.

Charity insurance is specifically designed for non-profit activities, often with preferential rates and coverage for unique charity risks like trustee liability, volunteer accidents, and fundraising activities.

Yes, trading activities like charity shops, cafes, or commercial services need appropriate business insurance including product liability, stock coverage, and potentially different liability limits.

Religious organizations have specific needs including premises coverage for places of worship, public liability for congregations, and potentially coverage for religious ceremonies and events.

Yes, equipment insurance can cover tools, vehicles, and other assets used by volunteers in charity work. This includes coverage for loss, damage, and theft of charity-owned equipment.

Event cancellation insurance compensates for lost income and non-recoverable costs if events are cancelled due to covered reasons like adverse weather, venue problems, or key person non-appearance.

A comprehensive charity policy can cover multiple activities, but high-risk activities like adventure training, overseas work, or clinical services may need specific coverage enhancements.

Mergers and partnerships create new risks requiring policy reviews. We'll ensure continuous coverage during transitions and help structure insurance for new organizational arrangements.

Previous claims don't automatically prevent coverage, but they may affect premiums. We work with insurers who understand that some charity claims are unavoidable and focus on your risk management approach.

We provide dedicated claims support understanding the sensitivity of charity claims. This includes fast-track processing, minimal disruption to services, and guidance on managing reputation during claims.

Many funders require proof of insurance before releasing grants. We provide insurance certificates and policy summaries quickly to support your funding applications and compliance requirements.

Charity insurance costs in the UK typically range from £200-£2,000 annually depending on your charity's size, activities, annual income, and coverage requirements. Small community groups may pay as little as £200, while large national charities with complex operations may pay £2,000 or more. Many insurers offer discounted rates specifically for registered charities.

New charities typically need public liability insurance (minimum £1 million), trustee indemnity insurance to protect committee members, and employers liability if hiring staff. Professional indemnity may be required if providing advice or services, and cyber liability is increasingly important for data protection compliance.

Yes, charity trustees should have trustee indemnity insurance (also called directors and officers insurance) to protect against personal liability claims arising from their management decisions, employment disputes, regulatory investigations, and allegations of breach of fiduciary duty.

While not legally mandatory, public liability insurance is essential for charities organizing events, operating premises, or having contact with the public. Many venues, funders, and local authorities require proof of public liability insurance before allowing charity activities.

Volunteer personal accident insurance provides compensation for volunteers who suffer injury or illness while helping your charity. This covers medical expenses, temporary disability benefits, and compensation for permanent injury or death while volunteering.

Yes, charity shops need specialist retail insurance including stock coverage for donated goods, public liability for customers, product liability for items sold, cash insurance, and potentially glass coverage for shop windows. Standard charity insurance may not cover retail operations adequately.

Religious organizations need buildings insurance for places of worship, public liability for congregations and events, contents insurance for religious artifacts, and potentially specialist coverage for stained glass windows, organs, and historic buildings. Clergy professional indemnity may also be required.

Yes, even small charities handling donor data, volunteer information, or online donations face cyber risks. Data breaches can result in GDPR fines up to £17.5 million or 4% of annual turnover, making cyber liability insurance essential for GDPR compliance and data protection.

Event insurance for charities covers public liability during events, event cancellation due to adverse weather or venue problems, equipment coverage for marquees and staging, and potentially non-appearance insurance for key speakers or performers at fundraising events.

Community groups need employers liability insurance if they employ anyone, including part-time staff, paid coordinators, or volunteers receiving regular payments beyond expenses. The minimum legal requirement is £10 million coverage, and it's a criminal offense to operate without it.

Mental health charities need enhanced professional indemnity insurance covering counseling and therapy services, public liability for client interactions, cyber liability for sensitive client data, and potentially clinical negligence coverage if providing medical or psychiatric services.

Yes, charity insurance can be extended to cover overseas volunteer activities including travel insurance, medical coverage, evacuation insurance, and public liability in foreign countries. Additional considerations include political risk and kidnap and ransom coverage for high-risk destinations.

Charity minibus insurance requires specialist motor coverage including volunteer driver protection, passenger liability, breakdown recovery, and potentially wheelchair accessibility equipment. Standard car insurance doesn't cover minibus operations or volunteer drivers.

Children's charities need enhanced professional indemnity covering safeguarding issues, abuse liability insurance, and potentially crisis management coverage. Additional background checking costs and specialized training requirements may also be covered under some policies.

Charity-run care homes need clinical negligence insurance, enhanced public liability for residents, professional indemnity for care decisions, premises insurance for specialized equipment, and potentially abuse liability coverage. CQC compliance requirements may also affect insurance needs.

Yes, charities providing counseling, therapy, or mental health support need professional indemnity insurance covering treatment decisions, advice given, and potential harm to clients. This is essential for BACP, UKCP, or other professional body membership requirements.

Charity equipment insurance covers tools, computers, furniture, and specialized equipment against theft, damage, and loss. This includes coverage for equipment used by volunteers, items stored at multiple locations, and potentially hired or borrowed equipment.

Charity sports clubs need sports-specific public liability covering participant injuries, equipment insurance for sports gear, potentially player accident insurance, and premises coverage for clubhouses and playing facilities. Some sports require specialist liability coverage.

Educational charities need public liability for students and visitors, professional indemnity for teaching and advice, premises insurance for buildings and equipment, and potentially educational malpractice coverage. School trips and outdoor activities may need additional coverage.

Charities can get coverage for legitimate campaigning within charity law limits, but pure political activities aren't typically covered. Professional indemnity can cover advice on policy issues, while public liability covers campaigning events and demonstrations.

Cyber liability insurance covers GDPR breach notification costs, regulatory fines and penalties, legal defense costs, credit monitoring for affected individuals, and reputation management following data breaches. This is essential for GDPR compliance.

Animal welfare charities need public liability covering animal-related injuries, premises insurance for kennels and facilities, potentially veterinary malpractice coverage, and specialized coverage for animal transport and rescue operations. Dangerous animal coverage may be required.

Homeless charities need enhanced public liability for vulnerable clients, premises insurance for hostels and day centers, potentially violence and aggression coverage, professional indemnity for support services, and cyber liability for client data protection.

Yes, volunteer driver schemes can be covered through motor insurance extensions or specialist volunteer driver policies. This covers volunteers using their own vehicles for charity purposes, passenger liability, and potentially mileage reimbursement protection.

Environmental charities may need pollution liability insurance, public liability for outdoor activities, equipment coverage for scientific instruments, and potentially coverage for environmental restoration projects. Climate change activism may require specialized coverage.

Charity trading subsidiaries typically need separate commercial insurance as they operate for profit. This includes commercial combined insurance, product liability for goods sold, and potentially different liability limits than the parent charity.

Charity mergers may require directors and officers insurance covering the merger process, due diligence protection, and potentially warranty and indemnity insurance. Existing policies need review to ensure continuous coverage during transitions.

Yes, international development charities can get coverage for overseas operations including political risk insurance, kidnap and ransom coverage, medical evacuation insurance, and public liability in developing countries. Currency and contract frustration coverage may also be available.

Arts charities need public liability for audiences and participants, equipment insurance for instruments and artwork, potentially fine art insurance for valuable collections, and professional indemnity for educational or therapeutic arts programs.

Trustee indemnity insurance typically includes legal defense costs for criminal investigations arising from charity management, including fraud allegations, health and safety prosecutions, and regulatory offenses. This protects trustees' personal assets during investigations.

Cyber liability insurance covers social media risks including defamation claims, privacy breaches, cyber bullying incidents, and online fundraising platform failures. Media liability coverage may be needed for content creation and publication.

Post-COVID, some insurers offer pandemic coverage extensions for event cancellation and business interruption. However, coverage varies significantly, and many policies exclude pandemic-related losses, making it essential to check specific policy terms.

Disability charities need enhanced public liability for vulnerable clients, professional indemnity for support services, premises insurance for accessibility equipment, potentially abuse liability coverage, and specialized transport insurance for adapted vehicles.

Large charity events need comprehensive event insurance including public liability for attendees, event cancellation coverage, equipment insurance for staging and sound systems, potentially weather insurance, and licensing authority requirements for public entertainment.

Employment practices liability insurance (often included in trustee indemnity policies) covers wrongful dismissal claims, discrimination allegations, harassment claims, and wage and hour disputes. This protects both the charity and individual trustees from employment-related lawsuits.

Climate change risks like flooding, extreme weather, and business interruption from environmental events can be covered through enhanced property and business interruption insurance. Some insurers offer specific climate resilience coverage for charities.