Specialist Insurance for Citizens Advice Offices

Specialist Insurance Solutions for Citizens Advice Offices

At PIB Insurance Brokers, we deeply admire the incredible work Citizens Advice does in supporting communities and individuals across the UK. Their dedication to providing guidance and assistance to those who need it most is truly inspiring, and we're committed to supporting their vital mission.

As a specialist insurance broker, PIB understands the unique challenges and risks faced by Citizens Advice offices. From advising vulnerable clients to managing volunteers and handling sensitive data, their work requires comprehensive insurance protection. Our goal is to provide tailored insurance solutions that not only protect their operations but also give peace of mind, allowing them to focus on what they do best – helping others.

Why Choose PIB for local office insurance?

PIB is proud to already provide Professional Indemnity (PI) Cyber, Public Liability (PL) and Crime insurance through the national body. We would be grateful to support local Citizens Advice offices with any additional insurance requirements they may have. Our specialist team has unrivalled experience in the charity sector and the specific risks faced by advice organisations.

• Tailored insurance solutions designed specifically for Citizens Advice offices
• Expert guidance from professionals who understand the charity and advice sector
• Cost-effective coverage that delivers comprehensive protection without unnecessary costs
• An effective and efficient claims solution to meet your needs
• Access to exclusive policy enhancements available to PIB Group clients

Recommended Additional Insurance Cover for Local Citizens Advice Offices

We can create bespoke insurance packages to suit each office's specific needs. Here are the essential types of cover we recommend for Citizens Advice offices:

• Office Insurance – A comprehensive package designed to protect your premises, contents, and equipment against risks such as fire, flood, theft, or accidental damage. This cover includes protection for computers, furniture, client records, and office fixtures, ensuring your local office can continue serving the community even after an unexpected event.
• Management Liability Insurance (MLP) – Protects trustees, directors, and senior managers against claims arising from decisions made in their management capacity. This includes cover for wrongful acts, employment practices liability, and defence costs. Trustees can be held personally liable for decisions that lead to financial loss, making this protection essential for safeguarding individuals who volunteer their time to govern your organisation.
• Employers' Liability Insurance – Legally required if you employ staff, this covers claims from employees who are injured or become ill as a result of their work. It protects your organisation against compensation claims for workplace accidents.
• Trustee Indemnity Insurance – Specific protection for trustees and board members, covering personal liability for wrongful acts, breaches of duty, or governance failures. This gives your volunteer trustees confidence to serve without fear of personal financial risk.
• Business Interruption Insurance – Reimburses lost funding and covers ongoing expenses if your office is temporarily unable to operate due to an insured event, such as fire or flood damage. This ensures you can continue paying wages and overheads whilst your office recovers.
• Legal Expenses Insurance – Covers legal fees associated with employment disputes, contract disagreements, or regulatory investigations, providing financial support when legal expertise is needed.
• Accident and Illness Cover – Designed to support staff and volunteers who are injured or become ill, providing financial assistance and ensuring you can meet service level agreements with funders. This cover can be tailored to key personnel or applied across specific projects.

What Insurance Does a local Citizens Advice Office Need?

Every Citizens Advice office has unique requirements depending on size, location, services offered, and volunteer structure. At minimum, we highly recommend Office Insurance and Management Liability Insurance to complement the existing covers through the national body.

How PIB Supports Citizens Advice Offices

• Tailored Coverage – We take the time to understand their specific needs, funding arrangements, service level agreements, and operational structure to provide insurance solutions that truly protect each organisation.
• Expert Guidance – Our team of experienced charity insurance professionals is always on hand to offer advice and help offices stay protected against potential risks, from data breaches to trustee liability.
• Cost-Effective Solutions – We work with a wide range of specialist insurers to secure value for organisations, comprehensive coverage that fits within charity budgets.
• Ongoing Support – We're here to support offices every step of the way, so they can focus on their vital work supporting communities.

Ready to Protect Your Citizens Advice Office?

If you look after a local Citizens Advice office, we'd love to explore how PIB can support your office insurance requirements and help you continue making a positive impact in your community. If you'd like to learn more about our services or discuss your specific insurance requirements, please don't hesitate to reach out for a no-obligation quote tailored to your office.