Charity insurance by monthly subscription
- Over 1,000 different business types covered
- Customise cover to meet your needs
- Add, remove or cancel cover at any time
Charity insurance provides protection when things go wrong, like someone being injured at the office or an event, or a trustee being accused of negligence.
Business insurance for charities and not-for-profit organisations includes things like public liability cover, employers’ liability, trustee liability and cyber insurance. Different policies are available to suit the needs of large organisations, smaller charities and community centres.
There are a few elements of business cover that all charities should consider, regardless of their size.
If you employ staff, including volunteers, you are legally required to take out employers’ liability insurance. This protects your employees for injuries in the workplace and covers you in case one of them takes action against you.
Trustee liability is another important element of cover. It protects you in case one of your trustees is accused of negligence or malpractice. This offers similar cover to professional indemnity insurance, and might be called that for certain policies.
If you have your own premises or run events, you’d want to take out public liability insurance, which helps with legal fees and compensation payments if a member of the public (including people fundraising for you) is injured and your charity is liable.
Most charities run on a very tight budget and have no cash to spare, especially not for legal fees and compensation payments in case legal action is brought against them. Having insurance means you won’t have to clear out your charity’s pot if this happens, as you will have help to cover the expenses involved.
If you have your own premises or use a van to get to and from events, consider adding business contents insurance and van cover to your policy, to protect your property and vehicle against any damage or criminal activity.
If you employ staff, including volunteers, you are legally required to take out employers’ liability cover, so make sure you have at least that in place.
Specifications will vary by insurer and depend on the type of policy you choose to suit the needs of your organisation, but charity insurance cover can include the following:
Other types of cover you might wish to take out include:
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