CHARITY INSURANCE

OPEN SUPPORT FOR A FAIRER WORLD

Charities and not-for-profit firms of all sizes make a genuine difference to hundreds, thousands, sometimes millions of people every single day.

Without a supported structure, charities and businesses in the third sector may face countless issues from legislative concerns, issues surrounding liability and disruption to regular business.

Our vision lends itself to your charitable goals, and so protecting your work is just as important to us as it is to you.

WHAT IS CHARITY INSURANCE?

Since charities rely on paid staff, volunteers, donations and special events like fundraisers, protection can be difficult and insurance policies must be flexible.

Not-for-profits have a different vision of success, different responsibilities to generation of pure profit, and this needs to be reflected in their protection.

At a fundraiser, a slip or trip could lead to an expensive legal battle. In a shop, accidental damage to stock could hinder your immediate cash flow whilst more serious issues could arise in the event of a fire or flood.

An offer of compensation for “loss of profits” in event of an incident, may not be the most appropriate solution for you.

The risk of reputational damage can have a more serious ongoing impact for you than a traditional business entity.

Such scenarios can halt your socially responsible efforts completely, leaving those who need your support on their own. This can be avoided with clear and effective cover.

WHAT WILL MY POLICY COVER?

Not-for-profit organisations require specialist cover that fits around them, but cover might include:

  • Charity public liability
  • Employers’ liability
  • Business interruption – enhanced to be relevant to your needs
  • Reputational damage risks
  • Buildings and stock damage
  • Professional indemnity
  • Fidelity Guarantee
  • Cover for your trustees, governors and officers
  • Event insurance

 

Whichever type of not-for-profit you are, liability cover is crucial. Employers’ liability is a legal requirement even if you only employ unpaid volunteers whilst public liability is often considered a business essential.

Both protect you in the event an employee or member of the public injures themselves on your premises or due to your negligence.

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