…

NOT FOR PROFIT AND CHARITY INSURANCE

What charity insurance can we help you with?

Whether you need to protect your organisation, your people, assets, property, or activities/events, we can provide the right insurance solution. We support:

  • Charities (small and national)
  • Community & voluntary groups/networks
  • Faith organisations
  • Clubs and societies (youth & children)
  • Social entrepreneurs

We’re here to help ensure life-changing community work can continue should the unexpected strike.

How our charity insurance experts can help

The charity sector is already exposed to many challenges. We can help you to protect your business, manage your budget effectively and keep up with new regulations from the Charity Commission.

Our dedicated team of charity insurance experts have been providing solutions to charity clients for over 40 years.

Our guide for charity trustees

Almost anyone over the age of 18 can be a charity trustee – though there are some exclusions, and because so many charities are short of trustees (up to 50%), there is likely to be plenty of opportunity to get involved.

What people like you, say about us

I have known Scott for around 18 months in his role for Marsh. He has always been extremely helpful with any query that I have had and always keeps any promises he makes which is very important for me and the YMCA.

His prompt answers and his helpful reliability is very reassuring. In a world where companies often let their customers down with poor service, and can create problems rather than bring solutions, I never have a doubt that this will happen when dealing with Scott. He is a problem solver. I hope to continue the working relationship with Marsh going forward and with Scott Henry as our account manager.

Bruce Petitt, YMCA North Staffordshire

 

What does a charity insurance policy include?

Cover can include everything from*:

  • Public liability
  • Employers liability
  • Buildings and contents
  • Professional indemnity
  • Trustees indemnity legal expenses
  • Cyber cover.

Our aim is to ensure that there are no gaps or hidden limits in your protection. *As with all insurance policies, terms and conditions apply. Contact us for full details.

Why you need specialist charity insurance

No matter how good your intentions are, sometimes things don’t go to plan.

If a volunteer or fundraiser is hurt due to your activities, legal action could be brought against your charity or non-profit group. The consequences could be devastating to you and those that depend on the work your organisation carries out.

Specialist charity insurance helps ensure that your volunteers, fundraisers, supporters and the general public are properly protected.

Professional indemnity insurance for charities

If your organisation is found responsible for delivering inadequate advice or services that result in financial loss or confidentiality breach, charity professional indemnity insurance will offer protection if it is found liable for any compensation. It will also cover any legal costs incurred while defending the claim.

Cyber insurance

Many charities hold sensitive data and are increasingly more at risk from cyber attacks. Cyber insurance is key to ensuring you're fully protected against any potential damages or costs resulting from an attack.

Faith insurance

We provide a range of specific charity insurance solutions for places of worship, religious groups and religious charities of all sizes. Whether you are part of a large, nationwide group, or a place of worship for your local community, we can help arrange cover that suits your needs. 

Frequently asked questions

Q
What charity insurance do I need?
A
Every charity is unique. As a result, the risks you face are varied. There’s a number of considerations that we need take into account such as the number of employees/volunteers, buildings, content or stock and whether you hold customer or employee data. It’s therefore important for us to talk to you to understand your organisation and risk profile. So we can help you choose the right policy to protect your organisation, employees/people, assets, property, or activities/events.
Q
Do charities need cyber insurance?
A

Cyber insurance is not a new cover, but what was once a nice to have should now be considered as an essential cover to protect your organisation, no matter the size.

In fact, did you know, 58% of charities think that cybercrime is a major risk to the charity sector, and 22% believe cybercrime is a great risk to the charity sector that other sectors.Whether you’re a victim of a hacking scam, or if data loss occurs simply by employee error, it’s important to be prepared for every scenario. Having charity cyber insurance will help minimise the reputational and financial impact of a data breach at your organisation.

1. https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/840997/Web_CC_Cyber.pdf

 
Q
Do I need to insure my charity's event?
A
Public liability insurance for charity events is not a legal requirement, but it’s a sensible cover to have in place. If a volunteer or fundraiser is hurt at one of your events, legal action could be brought against your charity or non-profit group. The consequences could be devastating to you and those that depend on the work your organisation carries out.
Q
Does my charity need professional indemnity insurance?
A

If your organisation is found responsible for delivering inadequate advice or services that result in financial loss or a confidentiality breach, charity professional indemnity insurance will offer protection if it is found liable for any compensation. It will also cover any legal costs incurred while defending the claim. Having professional indemnity insurance for charities in place to deal with these claims is essential to protect your business and reassure your clients.

Find out more.