Insurance for charities
Charity insurance is designed to protect you, your staff and supporters in case something goes wrong. You never know what is around the corner and accidents can happen when you least expect. Without the right cover in place your business could be exposed to unexpected financial losses or claims being made against you. That’s why we arrange charity insurance to cover your business activities to minimise disruption should something unexpected happen.
Insurance for charities caters for a variety of eventualities, and can be tailored to your individual business activities. Whatever the nature of your operation, the right charity insurance can offer protection and peace of mind to let you focus on what really matters – your work.
Public liability insurance for charities
Public liability insurance can protect you if a guest or client injures themselves accidentally at your office premises. As careful as you may be, accidents do happen, and protecting your visitors is essential. This should be a fundamental consideration when arranging your charity liability insurance, particularly if you’re dealing with members of the public or suppliers, organising events, or even fundraising.
Employers’ liability insurance for charities
Employers' liability insurance can protect your staff and volunteers against accidents at work that could cause injury leading to claims being made against you. Typically you will be given a limit of up to £10 million to cover any compensation awards as well as medical and legal expenses. These two liability covers can typically be rolled into one charity insurance policy to protect your charity office.
Office insurance for charities
Whatever the nature of your charity, you will most likely have assets and equipment that will need to be protected to ensure business continuity and let you work without worry. If you are running a charity office, then you may wish to protect fixtures and fittings, as well as your business premises. Other considerations should be made, for example, if you are responsible for the office front then you will need to include this in your charity office insurance policy.
Business interruption insurance for charities
Business interruption insurance can also be added to your policy to safeguard your income should the worst happen leaving you unable to operate. This can help tide you over following damage to your office premises while you get back up and running. Typically it will cover loss of profit or in the case of a charity the money you usually raise, business expenses and employees’ wages, as well as help you continue to operate elsewhere while the damage is repaired.
Legal protection for charities
Commercial legal expenses can also be included in your insurance, to give you protection against commercial tenancy disputes, jury service allowance and tax and VAT appeals.
Being a trustee of a charity carries personal responsibilities and trustee liability insurance can help provide extra protection.
Comprehensive charity insurance
You can get a quote online in just a few minutes, or call us today if you require some advice and expert insurance recommendations. Our insurance advisors are on hand to discuss your charity insurance requirements, and arrange the cover that is right for you.