Charity insurance

Charity insurance quotes tailored for you

Giving your time and effort to a great cause can be hugely rewarding. If you run a small charity, social club, community group or not for profit organisation, you'll know that it also comes with a unique set of risks.

From accidents involving volunteers or fundraising event visitors to allegations of wrongdoing against trustees, we understand that your organisation requires specialist cover. That’s why we make it easy for you to run a charity insurance comparison online, giving you quick quotes from leading insurers.

What charity insurance do I need?

Public liability insurance and employers' liability insurance are usually fundamental covers for charities. If someone is injured or their property is damaged because of your organisation, public liability insurance can cover up to £5 million of costs.

If you employ staff or volunteers – whether full-time or part-time – employers' liability insurance is usually a legal requirement. It covers you for up to £10 million of costs if someone who works for you falls ill or is injured while working for you. If you have trustees, you may also be required to have trustee indemnity insurance.

Types of cover charities may need

We understand that charities have a number of different risks when compared to other types of organisation. Here are some of the covers charities may need:

Charity public liability insurance

Public liability insurance is an important cover for charities. If a member of the public gets injured or suffers a loss as a result of your charity’s activities, it covers the resulting legal costs.

Charity employers’ liability insurance

This is a legal requirement for charities that have employees or volunteers. If an employee or volunteer gets ill or injured as a result of working for you, it covers the resulting legal costs.

Trustee liability insurance

Trustee liability insurance is sometimes called trustee indemnity insurance. It covers trustees, who can be held personally responsible for wrong or negligent decisions made by the charity. Legal costs can be high so it’s important to consider insurance.

Types of charity we insure

Working with insurers who specialise in insuring small charities, not for profit organisations and social groups, we tailor each policy to your organisation's individual needs.

Here are the main types of charity we insure

• Cancer
• Animals
• Children and young people
• Hospices
• Health and medical
• Homelessness and social welfare
• Disability
• Older people
• Environment and conservation
• Overseas aid and development
• Religious
• Sensory impairment

Charity insurance FAQs

We're not a registered charity – can you insure us?

Don’t worry if you're just starting out or you're too small to be a registered charity. The good news is Simply Business offers insurance for small charities, social clubs and community groups.

Will our insurance policy cover our volunteers?

Yes, if you want to cover your volunteers, you should choose employers’ liability and public liability insurance when you buy your policy from Simply Business.

What does public liability insurance cover?

Public liability insurance is a popular cover for many organisations. It covers you for legal costs and compensation payouts if your organisation is blamed for injuring someone or damaging their property.

Will our insurance cover events?

Yes, the public liability section of the policy can cover events. Public liability cover for events doesn't usually include cancellation.

We don't have a regular meeting place – can you insure us?

Our insurers cover hundreds of small charities, community groups and social clubs that meet up in a range of different places. Maybe you get together in people's homes, a village hall or a community centre.

Is insurance a legal requirement for charity events?

No, it’s not a legal requirement. But if you think about the risks involved with running events, it’s important to consider public liability insurance. And if you have staff or volunteers working for you, it’s likely that you’re legally required to have employers’ liability insurance.

How much does charity insurance cost?

This depends on the types of insurance you choose and the level of cover you take out. The best way to find out how much charity insurance might cost you is to run a quick quote online.