Charity Insurance

If you are a UK charity, CIC, CIO or voluntary group, you could benefit from specialist protection.

Unlike regular Business Insurance, Charity Insurance takes the unique risks of charity work into consideration, providing you with cover that you can tailor to suit the activities you carry out. This means you can get cover for your fundraising events, soup kitchens and food banks as well as specialised protection for your buildings and contents.

Non-essential cover can also be taken out to reduce costs, which your Charity Insurance brokers will be able to advise you on.

To find out if you need Charity or Community Group Insurance for your organisation, speak to one of our experienced Charity Insurance brokers today.

Cover organised by Charity Insurance brokers such as Chris Knott can give you a tailored policy that meets your specific needs. Insurance for charities could include:

• Charity Buildings Insurance: This will provide you with financial protection should the structure of any of your charity buildings be damaged.

   

• Charity Contents Insurance: If any of your charity contents or equipment are damaged or stolen, this cover will pay to replace them.

   

• Charity Public Liability Insurance: Having Charity Public Liability Insurance for charity events, running your charity shop or other activities is vital. If a supporter or visitor is injured or their property damaged, this cover will help to pay legal fees or compensation.

   

• Employers’ Liability Insurance: This cover will protect you if an employee or volunteer becomes ill or injured while carrying out work for you.

   

• Trustees Indemnity: This will protect your trustees and staff against claims of wrongdoing or poor decision-making.

   

• Fidelity Guarantee: This will protect you from any loss of money following the fraudulent or dishonest conduct of a trustee, officer, volunteer or employee.

   

• Money Cover: As a charity, you are likely to collect and handle money. This cover will therefore protect you if money is stolen or misappropriated by a volunteer or member of staff.

   

• Loss of Reputation: Reputation is crucial for charities, which is why this cover will protect you if you have to defend yourself against bad publicity.

   

• Charity Event Insurance: A standard part of Charity or Community Group Insurance, this cover will provide financial protection for one-off or regular events hosted by your charity.

   

• Food Bank Insurance: If your charity is involved in organising food banks, we can provide you with cover to protect its activities and stock.

   

• Abuse Cover: This will help to pay legal fees, court appearances and damages if a claim of abuse is made against you.

   

• Publisher’s Liability: This will provide you with protection if your websites or other published material are accused of libel. You should also consider this cover if you produce any recordings on CD or podcasts as these could be accused of slander.

   

• Cyber Insurance: If your systems or data are compromised, this insurance will provide financial assistance.

Yes, absolutely! We know that charity shops provide vital income to not-for-profit organisations, which is why we can create insurance for charities that protects you, your staff and any customers.

To get a quote for your shop, get in touch with our Charity Insurance brokers at Chris Knott.

Of course!

As a charity, it is likely that you will host events throughout the year as part of your mission or in order to raise vital funds. Public Liability Insurance for charity events will therefore protect your charity from any claims from members of the public that your event caused injury or damage to their property. 

To make sure you have the right Charity Public Liability Insurance, just get in touch with us. We will ask you about the size of your event, where it is being held and the activities it will include. This will help us to get you cover that you can be confident in.

Charity Insurance quotes will depend on several factors, including:

• The number of employees
• The value of your property and contents
• What activities you carry out

To get an accurate quote based on your unique needs, speak to a Charity Insurance broker at Chris Knott Insurance today.

Trustee Indemnity Insurance is a policy designed to protect those advising and supporting your organisation. Your trustees may be found personally liable for the actions and running of your organisation, which means they may have to cover the cost of legal fees and compensation. Putting a Trustee Indemnity policy in place gives them peace of mind that they will have protection in the event of a claim.