Charity Insurance
Peace of mind. Our insurance is tailored for your charity, so you can do what you do best
We know one size doesn't fit all
Every charity is different. We want to get to know your needs and challenges properly - that’s the only way to provide tailored insurance advice that’s right for your organisation.
We have been working with not-for-profit organisations for many years and we understand that charity work often involves challenging environments and new ways of delivering a difference to the recipients of charity services. As not-for-profit organisations continue to grow, so do the exposures faced by their trustees, officers, employees and volunteers.
The experience of our team means that we can draw on a source of knowledge that can be used to ensure the best advice and insurance solutions can be provided.
"Our insurance is arranged by PIB Insurance Brokers. The service we receive is excellent; all members of staff are extremely knowledgeable and highly efficient, as well as being very helpful, polite and cheerful. Any queries are given immediate attention and quickly resolved. We also have the added support of their highly experienced health & safety and risk management teams. A very professional service is provided by everyone."
Carol Wilkinson, Sue Ryder
We do not take the insurance industry ‘standard’ approach to cover, as in our experience this typically benefits the insurer not the client. Instead, we ensure that you benefit from transparent remuneration with access to a team specialising in the charity sector and assistance with risk reduction and mitigation working with our colleagues at PIB Risk Management.
Talk to one of our experienced team members and find out how we can help. You’ll soon see that it’s our attention to detail, personal touch and dedicated claims handling service that makes us stand out from the crowd, providing peace of mind and helping to protect your reputation.
From hospices to charities supporting the homeless and social welfare, more than 500 not-for-profit organisations and charities of different types trust us to meet their insurance needs. You can be confident that our team has the expertise and experience to do the same for your charity.
Meet the Charity Team
Just some of the types of charities we work with
We'll advise on the right solution for your charity's needs
Property Damage
Buildings Interruption
Buildings & contents
Employer's Liability
Public/Products Liability
Professional Indemnity
Medical Malpractice
Trustees Indemnity
Cyber Insurance
Employment Practices Liability
Travel Insurance
Engineering Insurance and Inspection
Crime Insurance
- What insurance does my charity need?
All charities face risks, and insurance is an appropriate way of protecting your charity against any loss, damage or liability. These include buildings insurance, contents insurance and event insurance.
There are also other types of insurance which need to be taken to cover against a charity’s third party liabilities which include Professional Indemnity, Public Liability and if you have staff or volunteers you will require Employees Liability insurance. There are other We also recommend Trustee Liability Insurance and Business Interruption Insurance.
- What is Public Liability Insurance?If you own or occupy land or buildings, or run fundraising events, the Government advises you to take out public liability insurance. This offers protection against legal claims from anyone who is injured or whose property is lost or damaged as a result of your activities. Some venues may require you to have this insurance in place, and you may be able to get cover against cancellation of an event due to bad weather.
- What is Professional Indemnity insurance?If you provide a service, such as giving advice or guidance, this insurance protects you in the event that someone working for your charity gives incorrect information to a client or beneficiary, who then sues you for negligence or providing bad information.
- Why does my charity need Employers’ liability Insurance?
If your charity employs paid staff, by law you must have at least £5 million worth of cover in place, protecting your charity against claims for injuries suffered while people are working for you.
You must buy the insurance from an authorised insurer and you should display your insurance certificate prominently in your charity’s premises. You can be fined £2,500 every day you need employers’ liability but do not have it.
Make sure this also covers volunteers working on behalf of your charity, to ensure they are protected.
- What is Trustee Liability Insurance?Trustee Liability Insurance covers the cost of defending your trustees against allegations of wrongdoing, disqualification or extradition proceedings.
- What is Business Interruption Insurance?This provides cover in the event you have to stop operations, which then impacts your organisation’s income, for example, if your premises were flooded.