Charity Insurance
Specialist Insurance Solutions for Charities and Not-for-Profits
Specialist Insurance Solutions for Charities and Not-for-Profits
At PIB Insurance Brokers, we recognise the vital role charities and not-for-profit organisations play in our communities. We also understand the unique risks and challenges you face, from safeguarding volunteers to protecting your assets and reputation. Our tailored charity insurance solutions are designed to give you peace of mind, so you can focus on making a difference.
Why Do Charities Need Insurance?
Charities and voluntary organisations are exposed to a range of risks, whether you operate from an office, run events, or provide services in the community. The right insurance cover helps protect your organisation, trustees, staff, and volunteers from unexpected events and legal claims.
Some of the types of charities we work with:
- Care Organisations
- Domestic Violence
- Faith
- Social Welfare and Homelessness
- Hospice
- Learning Disability
- Supporting the Aged
- Special Educational Needs & Disability (SEND)
- Museum and Heritage
- Independent Schools
Key risks include:
- Injury to volunteers, staff, or members of the public
- Damage to property or equipment
- Allegations of negligence or mismanagement
- Loss of income due to unforeseen events
"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
What Does Charity Insurance Cover?
Our charity insurance policies can include:
- Public Liability Insurance - Protection against claims for injury or property damage caused by your activities
- Employers’ Liability - Covers legal costs and compensation if an employee or volunteer is injured
- Trustee Indemnity - Protects trustees and management against claims of wrongful acts or decisions
- Property & Equipment Cover - Safeguards your premises, contents, and specialist equipment
- Event Insurance - Covers one-off or regular fundraising events
- Professional Indemnity - Protection against claims for professional advice or services
- Business Interruption - Covers loss of income following an insured event
Why Choose PIB Insurance Brokers?
Every charity is different and a one-size-fits-all approach doesn’t work. 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. In fact, more than 2,000 not-for-profit organisations and charities trust us to meet their insurance needs.
Just a few of our amazing charities and not-for-profits we have the pleasure of looking after:
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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. 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.
We are proud to work with various trade bodies such as Hospice Quality Partnership (HQP) since 2016, Hospice UK, Charity Finance Group (CFG).
"Age UK Leicester Shire & Rutland have been working with PIB Insurance for several years now with no issues. They have both been fantastic in terms of their response time, level of knowledge and willingness to understand our needs to provide a cover that is suitable. I have found that anything I have requested, they have been forthcoming and is testament to PIB’s account management. You do really feel that you are not just a number, but a valued client. I look forward to a continuous working relationship with PIB."
Age UK Leicester Shire & Rutland
Protect your charity with insurance you can rely on. Contact our specialist team for a free, no-obligation quote and expert advice.
FAQs
Do charities need insurance if we only have volunteers?
Yes, employers’ liability insurance is required for volunteers as well as paid staff.
Can we cover our fundraising events?
Absolutely. We offer event insurance for both one-off and regular charity events.
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. We also recommend trustee liability insurance and business interruption insurance.
What is charity 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 for charities?
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 charity 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 for a charity?
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.