Locality and Endsleigh partnership logo

Partnered with Locality

Trusted insurance partner for Community Transport Association members

Acevo and Endsleigh partnership logo

More than 3000 third sector customers already choose Endsleigh as their charity insurance specialist.

What does charity insurance cover?

Having an insurance partner who understands your needs is essential in finding the right cover. With over thirty years’ experience and over 3,000 not-for-profit clients in the UK, we work with market-leading insurers to provide competitive coverage, expert consultation and specialist advice for your organisation. Get tailored cover for:

Public liability

There are few not-for-profit organisations that don’t involve participation from the public. Whether you're making or selling goods or working with communities and service users, it is important to make sure your organisation is protected. Public liability insurance will provide cover for defence costs relating to allegations of negligence against you or your employees following third party injury or property damage.

Employers liability

Employers’ liability insurance is a legal requirement and will protect your organisation from legal costs and compensation claims arising from employee or volunteer bodily injury and or illness.

Professional indemnity insurance

For organisations providing advice to individuals or other organisations, you may need professional indemnity cover in place to protect against claims made following allegations of negligent advice, errors or omissions which result in third party financial loss. In fact, it may even be a requirement of some third party contracts that you have professional indemnity insurance in place.

Cyber insurance

If you’re storing client data it’s important to make sure you have safeguards in place, as a cyber attack could not only interrupt your charitable activities and impact your income, but also have a negative effect on your organisation’s reputation. Cyber liability insurance will provide cover for loss of income, legal protection and compensation claims following a cyber attack as well as social engineering or phishing attacks.

Trustee indemnity insurance

Financial protection for trustees, directors, governors, officers and committee members of charities, clubs, associations or not-for-profit organisations. Get protected against legal defence costs and damages awarded against one of your directors, trustees or officers arising from a wrongful act by them in the course of their statutory duties.

Charity event insurance

Fundraising is vital for not-for-profits to thrive, but whether you're holding a raffle, sports match, bake sale, street carnival or fireworks night, it’s important to make sure you’re protected against the risks associated with holding public events. Charity event insurance will provide cover for cancellation and curtailment, as well as public liability to protect against third party claims for injury or illness.

Legal expenses

Cover for defence costs that may occur as a result of any civil proceedings brought against your organisation by a third party.

Business travel insurance

Group travel insurance policies can be arranged to cover directors, trustees, employees and volunteers for any trips they make outside of the country on behalf of your charity or not-for-profit

Business interruption

Cover for your organisation if you are unable to continue operating as a result of an insured peril, such as fire or a storm.

Asset protection

Provides cover for your organisation’s assets such as buildings, contents, stock and tenant improvements. Cover can be tailored to your needs and can cater for asset transfers (including community centres and historical/grade listed buildings).

Buildings and contents

Cover for buildings that are either owned by the organisation or for which they are responsible under a maintenance agreement. Cover can be extended to include accidental damage and subsidence.

All risks insurance

Cover for loss or damage to your specified or unspecified property, within the geographical limits you choose.

Motor insurance

Did you know that we’re the trusted insurance partner for Community Transport Association members? Whether your organisation has a single vehicle or a fleet of minibuses, we can cover all your vehicles under one roof with our comprehensive charity motor insurance. Cover is offered on an “any driver” basis, including volunteers.

Charity insurance: Frequently asked questions

Each charity is unique and finding the right cover can be complicated if you're not sure what risks you need to be protected against. Perhaps it’s an injured volunteer, an unhappy service user or a trustee is accused of negligence - just like a business, charities need to protect themselves against the unexpected.

As a specialist charity insurance broker, we understand that charitable organisations have got a lot on their plate, so we aim to make finding the right charity insurance an easy process. Find out more about the basics of charity insurance by reading our FAQs.

What is charity insurance?
open

‘Charity insurance’ is an all-encompassing term given to the insurance policy taken out for a charity, not-for-profit organisation or local community group. It’s basically just business insurance, but for charities.
However, there are risks that charities face that are slightly different than those of a business – such as running regular fund-raising events, or dealing with vulnerable members of the public.
Charity insurance is designed to handle these sensitive activities and more, providing specialist cover to protect against the unique risks associated with the sector.

Charity insurance can include any (or all) of the following covers:
• Property insurance, such as buildings and contents insurance
• Motor fleet cover
• Employers’ liability insurance
• Public liability insurance
• Trustee liability insurance
• Charity professional indemnity insurance
• Cyber insurance
• Charity event insurance

But cover with Endsleigh provides much more than just charity insurance – our expert charity team provide a number of support services to our customers, including safeguarding, health and safety and risk management evaluation.

What charity insurance cover should I choose?
open

Every charity and its needs are different, so it’s important to choose the right policy for you and your organisation. There are a number of considerations to take into account when choosing your charity insurance, such as:

• How many employees and volunteers do you have?
• Do you deal with members of the public?
• Do you own or lease vehicles?
• Do you run events?
• Do you give advice or recommendations?
• Do you make or sell products or goods?
• Do you require cover for buildings, contents or stock?
• What contracts do you have in place?
• Do you have a contingency plan in place should something happen to your premises?
• Do you hold customer or employee data?
• Do you use computers in your day to day operations?
• Does your organisation have a website?

Does charity insurance cover volunteers?
open

Volunteers can be a bit of a grey area when it comes to your charity insurance, as they can fall under either your public or employers liability insurance cover. Before taking out insurance, it may be worth conducting a risk assessment for the activities your volunteers will be undertaking, as this will help give an accurate picture of the type of insurance you might need.

If you require cover for volunteers, or want to find out if they’re covered under your existing charity insurance policy, please speak to us on 0333 234 1358

Important: If you have employees, remember it’s a legal requirement to have at least £5 million employers’ liability insurance in place -you could be fined up to £2,500 for every day you don’t have it!

Does my charity need cyber insurance?
open

First things first – what is cyber liability insurance for charities?

You’re probably already aware of hackers and the risk of cyber attack. But did you know that charities, community groups and social enterprises can be particularly vulnerable to cyber risks due to the sensitive client data they store?

Cyber insurance will protect you against the loss of income and any claims made against you following a data breach, as well as providing access to legal advice and a team of experts to help minimise the damage caused to your organisation - be it financial or reputational.

But how do you know if you need cyber insurance?

Remember – when it comes to protecting against cyber risks, the size of your organization is irrelevant. While hacking is often reported as the cause of a data breach, data loss can also be caused by a computer virus or simply by employee error – so it’s important to be prepared for every scenario.

In fact, according to recent research from the Charity Commission for England and Wales, 58% of charities agree cybercrime is a major risk to the charity sector.

Consider what would happen if there were to be a cyber breach at your organisation, and your data or network was compromised. Not only could your organisation suffer reputational damage, but you may have to put fundraising activities and events on hold while you deal with the fallout of the breach.

Having charity cyber insurance in place will help minimise the reputational and financial impact of a data breach at your organisation.

Does charity insurance cover events?
open

Yes, your charity insurance policy with Endsleigh can be updated to include cover for specific events. This can be on a one-off or a regular basis.

What is charity event insurance?
open

Running events to raise money for your organisation? Whether it’s a small bake sale or a large festival, there are plenty of risks involved with fundraising activities - particularly when they involve members of the public, employees or volunteers.

For example, what if a customer or client were to accidentally injure themselves, or fall ill after eating a cake at a bake sale? Or if your event were to be cancelled or delayed?

If you’re running fundraising events, charity event insurance from Endsleigh will provide cover for:

- Public and/or employers liability
- Cancellation and curtailment expenses – this is particularly useful for larger events when a large sum of money has been paid out and will not be reimbursed if the event is no longer able to take place.
- Stock, contents and equipment cover
- Money cover
- Cover can be extended to include adverse weather for outdoor events.

Don’t worry if you’re running a slightly “unusual” event – our panel of insurers are very flexible with the types of charity events they insure, from raffles and games evenings to large annual fetes and open days!

Do I need charity event insurance?
open

Fundraising is an essential part of running a charity, and events are an effective way of building public awareness as well as a potential profit making venture. But no event comes without risks attached, so it’s important to make sure your organisation, employees and financial investment into the event are protected.

Basically, if your charity couldn’t afford to lose the money from deposits, venue hire or any other outlays prior to an event, then it’s a good idea to have charity event insurance in place to protect the investment.

Do I need public liability insurance for charity events?
open

Sadly it’s not uncommon for people to injure themselves or cause damage to third party property – especially if you’re running a large event with lots of volunteers and customers wandering around.

While public liability insurance for a charity event is not a legal requirement, it’s probably sensible to have cover in place if you’ll be engaging with the public during your event, as this will protect your organisation from potentially costly third party compensation claims in the event of an accident.

Equally, some venues may even require you to have public liability insurance in place before they’ll allow you to hold an event on their premises. They should let you know when you book the venue if this is the case.

We’re not a registered charity – can you cover us?
open

Yes, we can provide cover for community groups and small organisations that are not yet registered as charities, as long as they following the government guidelines for registration.

You must apply to register your charity if:

• its income is at least £5,000 per year or it’s a charitable incorporated organisation (CIO)
• it’s based in England or Wales

Can I protect my organisation with business insurance instead of charity insurance?
open

Theoretically yes, you could take out a business insurance policy that would provide some of the covers you would need for a charity - such as property insurance and public and employers’ liability insurance.

However, because charities are unique and often complex organisations, charity insurance policies will usually provide protections above and beyond those you would get with a standard business insurance policy – such as charity event insurance or protection for volunteers.

Charities also differ from businesses in that they usually have a board of directors, trustees or officers. If so, you may find you require charity trustee indemnity insurance to protect them from legal defence costs and compensation payments arising from a wrongful act in the course of their statutory duties.

Does my charity need professional indemnity insurance?
open

As a general rule, if you’re an organisation providing advice to individuals and/or third party companies, you may want to consider having professional indemnity insurance in place, both to protect your organisation and to ensure you meet all third party requirements.

It’s important to remember that advice can be anything from consultancy work, to providing guidance on completing welfare and benefit forms. You may even find that if you are providing such services as part of a contract with a third party, that company may request proof of professional indemnity insurance.

What does professional indemnity insurance cover?
open

Professional indemnity insurance will provide cover for third party financial losses resulting from negligent advice or recommendations given by your employees or volunteers on behalf of your organisation.

As an example, one of your volunteers helps a client fill out their benefits form, but the form is completed incorrectly by the volunteer – an easy enough mistake to make. But because of this, the client is unable to access their full benefits, and suffers financially as a result. Under these circumstances, a professional indemnity insurance may provide cover for the financial losses incurred by the client, as well as compensation or legal costs applicable to the case.

Insurance for community centres

Community centres and village halls are at the very heart of the neighbourhood and provide a valuable service to the public. Making sure that you have the right community centre or village hall insurance can be difficult, as there are lots of different elements to consider. Endsleigh can tailor an insurance package to suit your needs.

 

Small charity and community group insurance

We know how important it is for community groups, small charities and not-for-profits to keep costs to a minimum. But there’s no getting away from the fact charity insurance is essential, even if it’s as simple as public liability for a fundraising event. If you’re unsure of what cover you need, we’re here to help. We’ll provide advice and guidance on the things you should be thinking about, whether that’s protecting your employees, your assets or your data.

 

Charity support services

Our charity support services are designed to provide you with the means to manage all aspects of staff employment and workplace safety more easily, more effectively and more profitably, including safeguarding, health and safety and risk management evaluation.

Find out more Arrange a call
Charity support services from endsleigh

Customer reviews

We value our clients' feedback and use it to improve our products and services.

Wirral Ark
James Hopkins Trust
Locality
The Nelson Trust

Wirral Ark

Two years ago when we decided to change our insurers we contacted Endsleigh for assistance, which was a decision we have never regretted. Julie Worrall from Endsleigh worked tirelessly to get us the right deal, both financially and to ensure the correct cover for the industry in which we work. I would have no hesitation in recommending Endsleigh to any organisation who are considering their insurance options.

Open Speech Mark Close Speech Mark

Anne O’Marah
Chief Executive

James Hopkins Trust

Matthew Balmforth from Endsleigh met with us and listened to all our protection needs (which are varied and complex). Throughout the whole process Matthew ensured he was readily available to answer any questions and quickly processed any adjustments needed to the insurance policy proposal. Matthew gave us his absolute best attention to ensure we had a tailor made policy which met James Hopkins Trust’s needs.

Open Speech Mark Close Speech Mark

Sarah James
Head of fundraising

Locality

I have been working closely now with Endsleigh since Locality began on 1st April 2011, in that time I have been very impressed with their knowledge of the sector and of their finance products i.e. both insurance and pensions. The level of service they provide has been excellent with a personal touch that means we know the people we need to talk to and they know us too.

Open Speech Mark Close Speech Mark

Rosy Hearn
Membership manager

The Nelson Trust

As a small/medium sized charity we rely heavily on supplier relationships with a track record of trust, reliability and integrity. Endsleigh have been an outstanding supplier in this respect, responding swiftly, competently and in way where they demonstrate that they understand precisely our requirements.

Open Speech Mark Close Speech Mark

John Trolan
Chief Executive

Find your possible

Visit our blog for handy tips, tricks and industry news!

Business and charity

How to support your staff while working from home

Read more

Business and charity

What is a small business or SME?

Read more

Business and charity

What’s the difference between a charity and a not-for-profit?

Read more

Business and charity

How remote-working could bridge your charity’s funding gap

Read more

Need to get in touch?

Our friendly team are ready to talk to you:

Monday to Friday, 9am-5pm

Call us on 0333 234 1358