Charity & Not for Profit Insurance
For organisations that exist to serve others,
and the people who lead them.
When You Exist to Serve Others, Getting Your Insurance Wrong Has Wider Consequences
Non-profit organisations operate in a distinctive environment. You may have both employees and volunteers working for you, run regular events and fundraising activities, provide services to vulnerable people. You may also hold property, manage investments, or operate overseas. Each of these creates insurance considerations that go beyond what a standard business policy addresses.
Trustee liability is a particular area of concern. Charity trustees and officers can be personally liable for decisions made in the running of the organisation, to funders, staff, suppliers, and service users. The extent of that personal liability depends on the legal structure of the charity, but it exists even where trustees are acting entirely in good faith.
We understand that no two charities face the same risks, and we don't treat them as if they do.
Our Approach: We Start with How You’re Structured
Before we build a programme for a charity or not for profit organisation, we take the time to understand how you're structured, what you do, who you work with, and what your funding arrangements look like. A grant-funded service provider working with vulnerable adults has a very different risk profile from a membership organisation running an annual conference, and both are different from a charity operating internationally.
The distinction between employees and volunteers is one we take particular care over. It affects your liability exposure in ways that aren't always obvious and needs to be specifically addressed in your programme.
What We Cover
Trustees and Officers Liability
Personal protection for trustees, directors, and officers against claims arising from decisions made in the running of the organisation, including employment disputes, regulatory investigations, breach of duty, and wrongful act allegations. For any organisation where individuals take on governance responsibility, this cover deserves careful consideration.
Public and Products Liability
Your liability to members of the public, service users, volunteers, and third parties for injury or property damage arising from your activities. In a charity context this needs to reflect the full range of your operations, not just your premises.
Professional Indemnity
For charities that provide professional advice, guidance, or services, including counselling, legal advice, social care, or training, PI cover addresses the liability arising from the quality of that service.
Events
Many charities rely on fundraising events as a core income stream. Event-specific cover addresses public liability, cancellation, and the financial consequences of an event that can't proceed as planned.
Property and Contents
For charities that own or occupy premises, cover for buildings, contents, equipment, and the specialist items that some charitable organisations hold, from medical equipment to specialist vehicles.
Employers Liability
A legal requirement for any organisation with employees. The distinction between employees and volunteers affects your EL obligations and your liability to those who are injured while working for you and needs to be properly understood.
Cyber Insurance
Charities hold personal data on service users, donors, and volunteers and are an increasingly attractive target. A data breach can damage the trust your organisation depends on, as well as triggering regulatory obligations under UK GDPR.
Management Liability, Commercial Crime
For details on these covers and why every business needs them, see our Essential Cover page.
Speak to a specialist about your charity & not for profit risks.
Whether you're a small voluntary organisation or a large charitable body, if you're not confident your current cover reflects what you do and who you serve, let's have a conversation.