Charity Insurance

Who is Charity Insurance for?

Insurance for Charities

If you are trying to insure a registered charity, we can provide insurance to cover volunteers as standard plus contents, buildings, raffle prizes and donations if required. Our liability cover has limits of up to £5,000,000 for various events and trustee indemnity. Further protection can be placed for travel which can include extensions for kidnapping and ransom. If you have any questions about our charity insurance cover, please get in touch.

Faith Organisation Insurance

You may want to insure a faith based organisation to include cover for religious buildings such as churches, mosques, synagogues and gurdwaras. We provide a complete policy and as standard, include theft cover (without forcible entry or exit) for contents such as metal and stained glass. Additional liability cover can be catered for to include a wide range of events, hirers' liability, bequeathed property or precious religious artefacts. If you want more information about faith insurance, simply contact us and we will be happy to help.

Not For Profit Insurance

We can help insure non-profit organisations, social clubs, community centres, village halls and community associations. With substantial protection, cover can be assigned for different types of buildings with extensions such as outdoor playgrounds and contents like external defibrillators. As standard, cover is available for raffle prizes and donations plus additional cover can be placed for loss of license and seasonal stock changes. The organisation may also benefit from hirer's liability insurance if properties are hired out and inherit risk in the form of bodily injury or damage to content from the activities of third parties.

Social Enterprise Insurance

If your business trades for environment purposes or community development, we can provide cover for various stock items, any risks surrounding volunteers and loss of revenue or increased cost of working in the event of a disaster. Further protection can be placed for excess protection, motor no claims discount, third party hire and cover many types of events hosted throughout the year. If you require more information about Not For Profit Insurance then please get in touch us.

Key levels of cover

Our underwriters are able to provide a range of cover to include: material damage, business all risks, business interruption, book debts, terrorism, employers' liability, public and products liability, charity trustees management liability, professional indemnity, employee dishonesty, money and assault, goods in transit, deterioration of stock, personal accident, travel, equipment breakdown, cyber liability and legal expenses.

Material Damage

Damage to property or contents may occur after a fire, flood or vandalism which could be costly to repair. With cover for material damage in place, you will be able to claim for the cost of restoring the damage or replacing any lost items. The sums insured limits are up to £250,000 for buildings and £25,000 for contents.

Business interruption

Any income lost due to a disaster can be protected with business interruption cover. This covering any losses that may occur if your business is unable to trade and includes: loss of gross revenue, loss of rent, loss of license and increased costs of working up to £25,000 as standard.

Employers' liability

We can protect your business against any injury compensation claims that are made by employees, trustees or volunteers up to £10,000,000. This includes legal costs incurred during court battles when defending prosecutions under health and safety regulations.

Public and Products liability

Bodily injury to members of the public or damage to third party property as a result of negligence can be very costly. Our cover for public liability and products liability eliminates the risks with payouts from £2,000,000 to £10,000,000. Most fundraising events are included and cover can be extended to include slander up to £25,000.

Charity trustees management liability

This provides protection for trustees and committee members of the charity in case they are sued for mismanagement. As standard, cover is provided up to £10,000 but can be increased to higher limits of £100,000 to £1,000,000 and guard retired charity members for up to six years.

Types of activities insured

We are able to insure various charities and non for profit companies who engage in activities such as:

• Rehabilitation and halfway houses
• Religious buildings/religious retreats
• Social care (registered)
• Social clubs/Working Men’s Clubs/pubs/restaurants
• Sports clubs/grounds
• Storage and warehouses
• Village halls/community centres
• Wildlife & animal shelters & sanctuaries
• Activity or adventure centres/playgrounds
• Advice and Employment Training
• Arts & craft workshops/studios/libraries
• Cafes/coffee shops/sandwich bars/tea rooms
• Civil/human/ethnic rights (other than office-based training or translation services)
• Concert hall/venues
• Conference centres/exhibition centres
• Day centres/drop-in centres
• Drug and alcohol support services
• Education centres/education establishments/schools
• Environmental/health and well-being education
• Farm buildings/zoos
• Food and clothing banks
• Garden centres
• Gyms/leisure centres/health centres/health clubs
• Historical, literary, cultural and humanistic societies
• Holiday camps/summer schools
• Museums/galleries/theatres
• Nurseries, playschools, play groups and out of school clubs
• Offices/shops and call centres
• Outreach and lone work
• Physical health treatment

How do I get Charity Insurance?

We have been providing businesses with insurance for over 35 years in the Greater Manchester area. If you are local, it would be a pleasure for us to come to your place of business to see how you help the local community. Simple call us or fill in our contact form for a free, no obligation quotation and we will be happy to help.