We appreciate that no two charities are the same and therefore we work to understand the activities of each organisation (e.g. short term emergency accommodation, longer term residential shelters, drop in centres and/or other support and advice services), how they work, and what cover they need. It is through this understanding that we can offer the service and cover you need.

Homeless charities and similar organisations can face some rather unique risks in their day to day activities, particularly considering the nature of their service users.

There is always the possibility of individuals to present mental health, addiction and sometimes violent and unpredictable behaviour. As a result, there are some critical aspects of cover which charities need to consider carefully (particularly around trustee/management liability, legal liability cover and safeguarding), and it is important to recognise the different basis of covers provided by insurers operating in this sector

• Employers & Public Liability
• Safeguarding/Abuse cover
• Loss of Revenue/Additional Expenses cover
• Medical Malpractice Insurance
• Trustee/Management Liability cover
• Professional Indemnity cover