Charity Insurance
Specialist cover designed for charities and not-for-profit organisations — protecting your trustees, volunteers, property, and the people you serve.
What's Covered
Charity insurance brings together the specialist covers that charitable organisations need, tailored to the unique risks of the voluntary sector.
Trustee Liability
Protects trustees' personal assets against claims of breach of trust, mismanagement, wrongful trading, and regulatory non-compliance arising from their governance role.
Public Liability
Covers claims from members of the public, service users, and visitors who suffer injury or property damage as a result of your charity's activities.
Employers' Liability
A legal requirement if your charity employs any paid staff. Covers claims from employees who suffer injury or illness connected to their work.
Property & Contents
Covers your charity's premises, office equipment, furniture, and specialist assets against fire, flood, storm, theft, and accidental damage.
Business Interruption
Compensates for lost income — including grants and donations — and additional operating costs if an insured event disrupts your charity's operations.
Volunteer Cover
Personal accident cover for volunteers, protecting them if they are injured while carrying out activities on behalf of your charity, plus liability cover for their actions.
Additional Covers
Charities often organise events, handle donations, and work with vulnerable people — all of which create additional risks that need specialist cover.
Fundraising Events
Covers public liability, cancellation costs, and equipment damage for charity events, fetes, galas, and sponsored activities held at your premises or off-site venues.
Money & Donations
Protects cash donations, collection tins, and fundraising proceeds held on your premises, at events, or in transit to the bank against theft and loss.
Legal Expenses
Covers the cost of legal advice and representation for employment disputes, contract disagreements, tax investigations, and regulatory matters.
Frequently asked questions
Are charity trustees personally liable?
Yes. Charity trustees can be held personally liable for decisions made in their capacity as trustees, including breaches of trust, regulatory non-compliance, and employment law claims. Trustee indemnity insurance — strongly recommended by the Charity Commission — protects trustees' personal assets from the financial consequences of such claims.
Does charity insurance cover volunteers?
Yes. Charity insurance can include personal accident cover for volunteers, protecting them if they are injured while carrying out activities on behalf of your charity. Public liability cover also extends to the actions of volunteers, covering claims from third parties arising from volunteer activities.
What charity-specific risks should we insure against?
Charities face unique risks including trustee liability, volunteer injury, fundraising event incidents, safeguarding allegations, reputational damage, and loss of donated assets. A specialist charity insurance policy addresses these risks in a way that standard commercial policies do not.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.