Types of cover for charities
Protects charity-owned buildings, contents, and equipment from risks like fire, theft, flood, or vandalism. This ensures the organisation can repair or replace damaged assets without major financial strain.
Covers claims if someone is injured or their property is damaged due to the charity’s activities, such as at fundraising events or in charity-owned premises. It helps cover legal fees, compensation, and medical costs arising from such incident
A legal requirement if the charity has employees, covering workplace injuries or illnesses suffered by staff. It ensures that the organisation can pay compensation claims and legal expenses if an employee sues.
Provides cover for charity events, including protection against public liability claims, property damage, and event cancellation due to unforeseen circumstances. It helps safeguard against financial losses if an event cannot go ahead as planned.
Protects against claims of negligence, errors, or omissions in advice or services provided by the charity. This is particularly important for charities offering guidance, consultancy, or educational services.
Covers trustees and directors against claims of mismanagement, breach of duty, or legal action taken against them in their role. It helps protect personal assets if they are held personally liable for decisions made on behalf of the charity.
Protects volunteers from injury or liability while carrying out charity work, ensuring they are covered if an accident occurs. This can also include public liability cover if a volunteer unintentionally causes harm or damage to others.
Helps cover lost income if charity operations are disrupted due to events like fire, flood, or equipment failure. It ensures the organisation can continue essential services even during unexpected downtime.
Required for charity-owned or leased vehicles used for transport, deliveries, or outreach programmes. It covers damage to vehicles, third-party injuries, and theft, ensuring compliance with UK motor insurance laws.
Covers financial and legal costs related to cyberattacks, data breaches, and fraud that could impact donor information or sensitive charity records. It may also provide support for reputational damage and regulatory fines.