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Charity insurance cover designed to make life easier for your charity, community group, social enterprise or not-for-profit organisation. Click 'Large charity' if turnover is over £350K and 'Small charity' if turnover is under £350K.
Partnered with Locality
Trusted insurance partner for Community Transport Association members
We’ve used our 30 years’ of experience to build products that meet the ever-evolving needs of charities, not-for-profits and community groups. Get flexible cover for:
Cover for defence costs relating to allegations of negligence against you or your employees following third party injury or property damage.
Cover to fulfil your legal requirement of having employers’ liability insurance in place. Protect your organisation from costs and claims arising from employee or volunteer bodily injury or illness.
Cover for loss of revenue and additional damage if your organisation is unable to continue operating as a result of an insured cause like fire, flood or a storm.
Cover to protect your organisation against claims made following allegations of negligent advice, errors or omissions that result in third party financial loss.
Charity insurance, otherwise called not-for-profit insurance, is specialist cover that’s designed to protect a charity, not-for-profit organisation or local community group. In simple terms, it’s business insurance tailored specifically to the design of charitable organisations and the risks they face.
As charity insurance specialists, we know that when it comes to insurance, charities need expert support and guidance. That’s why we build your charity insurance quote around the needs of your organisation.
Find out more about large charity insurance.
Find out more about small charity insurance.
Find out more about charity public liability insurance.
Find out more about charity motor insurance.
Find out more about charity event insurance.
Find out more about charity shop insurance.
Find out more about trustees’ indemnity insurance.
Find out more about CTA insurance.
Find out more about insurance for Locality members.
Find out more about sports and leisure insurance.
Find out more about community group insurance.
Find out more about charity support services.
As a specialist charity insurance broker, we understand that charitable organisations have a lot on their plate and that the insurance industry is vast. That’s why we aim to make finding the right insurance for your charity an easy process. Find out more about the basics of charity insurance in the UK by reading our FAQs.
UK charity insurance, otherwise called not-for-profit insurance, is just like business insurance, but specifically tailored to the risks associated with running a charity or not-for-profit organisation. Risks could include those posed by running regular fundraising events or dealing with vulnerable members of the public.
Charities insurance can include any (or all) of the following covers to protect against the risks associated with running a not-for-profit organisation:
But cover with Endsleigh provides much more than just charities insurance. Our expert charity team provide a number of support services to our customers, including safeguarding, health and safety and risk management evaluation. Speak to the team for a specialist charity insurance quote.
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 things to consider when choosing your charity insurance in the UK, such as:
When you speak with our team of charity insurance specialists, they’ll make sure all of these areas are covered so that no stone is left unturned when it comes to your policy.
Here is a breakdown of the types of charity cover that you could opt for based on your requirements:
Public liability insurance
Most not-for-profits will need some sort of public participation, but that can also open them up to third party risks. 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 insurance
As well as the public, you may also have staff and volunteers to consider. Employers’ liability insurance is a legal requirement and will protect your charity from legal costs and compensation claims arising from employee or volunteer bodily injury and or illness.
Motor and fleet insurance
Did you know we’re the approved 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 fleet insurance. Cover is offered on an “any driver” basis, including staff and volunteers.
Business interruption insurance
Business interruption insurance will cover your organisation if you are unable to continue operating as a result of an insured cause i.e. fire, flood or a storm. This insurance covers the loss of revenue and additional costs incurred following physical damage to your property.
This is an important area of cover that can often be miscalculated and could have a detrimental impact on your ability to continue operating when such disasters strike. However, it’s important to remember that business interruption insurance won’t necessarily cover all types of disruption but will only protect against the risks specified on the policy.
Business interruption cover may vary depending on your insurer, your organisation and its activities, so it’s important to read your policy documents carefully and understand any exclusions - for example, communicable diseases (i.e. pandemics) are a common exclusion of business interruption insurance policies.
Endsleigh’s insurance for charities can provide cover for business interruption.
Charity professional indemnity insurance
Professional indemnity insurance will provide cover for third party financial losses resulting from negligent advice or recommendations given by employees or volunteers on behalf of your organisation.
Does my charity need professional indemnity insurance?
As a general rule, if you’re an organisation providing advice to individuals and/or third-party companies, you’ll likely want to consider having professional indemnity insurance in place. This is both to protect your organisation and to ensure you meet all third-party requirements.
In fact, it may even be a requirement of some third-party contracts that you have professional indemnity insurance in place.
It’s important to remember that advice can be anything from consultancy work to providing guidance on completing welfare and benefit forms.
Imagine 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, 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.
If you’re storing client data it’s important to make sure you have safeguards in place. This is because 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 cover loss of income, legal protection and compensation claims following a cyber-attack as well as social engineering or phishing attacks. Plus it can also provide access to legal advice and a team of experts to help minimise the damage caused to your organisation - be it financial or reputational.
Does my charity need cyber insurance?
Although not a legal requirement, it’s sensible for charities to have cyber insurance in place to cover key risks associated with operating digitally.
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?
When it comes to protecting against cyber risks, the size of your organisation 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.
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.
Charity 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. Find out more about trustee insurance.
Charity event insurance
Charity event insurance provides protection for your organisation when running fundraising events.
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.
From public and employers’ liability, to cover for cancellation and curtailment, charity event insurance covers the risks involved with running unique charity 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 one-off raffles and games evenings to large annual fetes and open days.
Do I need public liability insurance for charity events?
While public liability insurance for a charity event is not a legal requirement, it’s sensible to have cover in place if you’ll be engaging with the public during your event. This will protect your charity from potentially costly third-party compensation claims in the event of an accident.
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.
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.
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.
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.
Group personal accident
This provides valuable protection for your organisation and employees – protecting against injury, disability or death as the result of an accident. The benefits paid under the policy can be tailored to your needs.
Although there are lots of different types of insurance to consider for your charity, these can all be contained within one straight-forward policy when you work with charity insurance brokers like Endsleigh.
We chose to work with Endsleigh because their biggest priority is the relationship with each client. Endsleigh are more than insurance brokers - they advocate for our sector by making the insurance market work for Community Transport of all shapes and sizes. They've secured more competitive deals with a wider range of insurance providers, developed a new comprehensive breakdown support offer that won't leave you stuck in the middle of a run.
We’ve been working with Endsleigh since 2011 and remain impressed with their knowledge of the sector and their ability to tailor support to fit the diverse needs of our members. Like us, they recognise the importance of excellent customer service and value of finding solutions together.
I have been so impressed with Endsleigh since we moved to them at the start of 2020. From their initial tender they have sought to understand the complex needs of the charity and how we support our beneficiaries. The service we have received has been outstanding and the transition was so easy. They constantly look for ways to add value and, combined with a significant saving in our annual premium, they are a great business partner.
Looking for articles about the risks and challenges the charity sector faces? Read more on our blog.