• Charity Insurance

    Charity Insurance

    Tailor charity cover and compare quotes from our panel of leading insurers

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27
January
2016

What Is Charity Insurance?

Charity Insurance is available to the 125,000+ UK registered charities, providing a suite of tailored insurance cover from legal liabilities (public and employers liability), charity contents, computer equipment or property, money, professional indemnity and/or trustees indemnity.

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Do I Need Charity Insurance?

All registered charities will have exposure to risk and a requirement for insurance protection. Core cover is typically Public and Products Liability for general fundraising, meetings and events. You can then extend cover for your legal liability to any employees and volunteers (employers liability). If your charity meets in a hall or other public space, it is likely that you will be asked to provide a copy of your liability certificate. Similarly, if you are running a fundraising event the local authority may seek proof of cover before commencement.

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Compare Charity Cover

As a specialist broker in the not-for-profit space, Insync has access to the UK’s leading social enterprise insurers. Our charity insurance advisors will take the time to walk you through the range of cover options, comparing prices and polices from our panel of underwriters to help you find the right level of cover at the right price.

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Charity Policy Extended Covers

In addition to the core legal liability protection, our charity policy can be tailored to your specific requirements from contents and equipment, computers and laptops, money, personal accident, professional indemnity, legal expenses and trustees liability. You only pay for the specific areas of cover required leaving more of your funds for good causes.

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Charity Insurance Cover

  • Specialist Small Charity cover
    Specialist Small Charity cover
  • Cover for Counselling services & support groups
    Cover for Counselling services & support groups
  • Nurseries, playgroups and after school clubs, youth groups / clubs
    Nurseries, playgroups and after school clubs, youth groups / clubs
  • Public Liability and Products Liability (including full cover for fundraising events)
    Public Liability and Products Liability (including full cover for fundraising events)
  • Employers Liability to protect your legal responsibilities for employees and volunteers
    Employers Liability to protect your legal responsibilities for employees and volunteers
  • Property Protection for offices, charity facilities or clubs.
    Property Protection for offices, charity facilities or clubs.
  • Professional Indemnity and Trustee Indemnity (including Entity defence)
    Professional Indemnity and Trustee Indemnity (including Entity defence)
  • Indemnity levels up to £5m+
    Indemnity levels up to £5m+
  • Fidelity Insurance Cover (theft by employees)
    Fidelity Insurance Cover (theft by employees)
  • Laptop, tablet, mobile phone or portable equipment
    Laptop, tablet, mobile phone or portable equipment
  • Legal Expenses, Travel & Personal Accident options
    Legal Expenses, Travel & Personal Accident options

Why Insync for Charity

  • We compare prices and charity insurance cover from panel of leading insurers
    We compare prices and charity insurance cover from panel of leading insurers
  • Instant quotations - cover and policy documents in minutes
    Instant quotations - cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
    Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from social enterprise specialists
    Expert advice from social enterprise specialists
  • 24 Hour Claims Helpline
    24 Hour Claims Helpline
  • Personal – Digital servicing AND your own dedicated insurance professional
    Personal – Digital servicing AND your own dedicated insurance professional

Charity Claims Example

Charity Claims Example

A small charity arranges a cake sale as part of their local fundraising. During high winds the erected marque blows over injuring a volunteer and two attendees. One claimant loses the sight in one eye and is unable to work in their current role and seeks compensation in excess of £50,000 from the charity.

How Much Does Charity Insurance Cost?

How Much Does Charity Insurance Cost?

Our menu style approach to small charity cover means that you only pay for the specific sections you need, keeping costs as low as possible. Public Liability cover only starts from as little as £60 (plus insurance premium tax) per annum, with interest free payment facilities for premiums over £120 per annum.

How Much Charity Cover Do I Need?

How Much Charity Cover Do I Need?

Every single charity will have different risks and requirements depending on its specific activities. Public liability limits range from a minimum of £1m to £5m and you should consider what would work for you. If you are running events with a large number of attendees, then higher limits would be recommended. On many occasions you will be asked for a specific limit of indemnity to meet contractual requirements.