Community Transport Association

Trusted insurance partner for Community Transport Association members

Charity Finance Group

Partnered with Charity Finance Group

What does community group insurance cover?

We’ve used our 30 years’ experience to build products that meet the ever-evolving needs of community groups, charities and not-for-profits - including extending your cover to make sure you stay protected during the pandemic. Our products and services also include:

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Public liability insurance for community groups

We know how important it is for community groups to keep costs to a minimum – including their public liability insurance. We’ll help you find the right protection against third party liability claims, including cover for medical fees, legal expenses and compensation claims.

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Expert consultation and advice

We understand that your priority is the service you provide, so we want to build a long-term partnership you can rely on. That’s why we’ll provide a dedicated account manager who will work with you to build a community group insurance solution that meets the specific needs and risks of your organisation and its service users.

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Market-leading insurers

With over 30 years’ experience, we work with the market-leading insurers who truly understand the not-for-profit sector. Every year we carry out market exercises to make sure you’re always getting the right cover at the most competitive price – because we don’t wait for you to come to us with problems, we come to you with solutions!

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Service promise

We work to a Service Level Agreement for enquiry handling, offering exceptionally fast solutions to your routine community group insurance needs as they happen. If you need to make a change to your policy, we’ll respond the same day and won’t charge administration fees for any transaction, including new business, mid-term or renewal.

What is community group insurance?

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Community group insurance provides specialist cover against the unique risks associated with community groups and their charitable activities. For example, community groups often co-ordinate regular fundraising events or attend to vulnerable members of the public, both of which can impact the level of cover you need for your organisation.

Not only that, but community groups also have a duty of care to their staff, service users and volunteers to make sure they’re financially protected should things go wrong, as well as fulfil any legal obligations with respect to public and employers’ liability insurance.

Speak to one of our specialist account managers to get expert cover, advice and support for a range of community groups and activities - including youth clubs, community transport groups, theatre groups and much more.

Who do Endsleigh cover?

Community groups

Specialist cover for a range of community groups and activities, including youth clubs, leisure trusts, community centres, village halls, residents’ associations, arts and crafts classes, play groups, parent and toddler groups, drama, dance and theatre groups, voluntary groups, community transport groups and more.

Charities and not-for-profits

We’ve used our 30 years’ experience to build bespoke products and insurance schemes that meet the ever-evolving needs of charities and not-for-profits - including cover for; buildings and contents, single vehicles and motor fleets, business interruption, trustees’ indemnity, employers’ and public liability insurance and more.

Social enterprises

We want you to have time to focus on your social mission, so we’ve developed products designed to protect you as your organisation grows, with expert support and advice on hand from our specialist team of account managers.

Community group insurance: FAQs

As a specialist charity insurance broker, we understand that community groups have got a lot on their plate – which is why we aim to make finding the right cover an easy process. Find out more about community group insurance by reading our FAQs.

What covers are available for community groups?

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Community group insurance with Endsleigh can include any (or all) of the following covers:

  • Public liability insurance
  • Employers' liability insurance
  • Motor and fleet insurance
  • Business interruption insurance
  • Professional indemnity insurance
  • Cyber insurance
  • Trustee indemnity insurance
  • Charity event insurance
  • Asset protection
  • Buildings and contents
  • All risks insurance
  • Legal expenses
  • Business travel insurance
  • Group personal accident

Not only that, but our expert community group team can provide additional advice and support in relation to safeguarding, health and safety and risk management evaluations. Speak to the team for a community group insurance quote and to find out more.

Do community groups need public liability insurance?

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Sadly it’s not uncommon for people to injure themselves or cause damage to third party property.

Therefore if you’ll be engaging with the public or running events as part of your community group’s activities, it may be sensible to have public liability insurance in place to protect your organisation from potentially costly third party compensation claims.

In the same way as a business, community groups also have a duty of care to staff, volunteers and clients to ensure all activities are conducted responsibly to mitigate unexpected accidents. If your organisation is in breach of this duty - and as a result injury or damage is caused - then any injured party could make a claim against your organisation for the damages.

This is why public liability insurance is essential for all business and organisations, no matter their size.

Top tip: If you’re planning on running community group events, it’s also worth considering whether the landlord or local authority will require you to have public liability insurance in place before you’re allowed to book a venue.   

Are events covered by community group insurance?

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Fundraising events are vital for community groups to thrive – but there are also plenty of risks involved, 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? 

Whether you're holding a raffle, staging a performance or running a bake sale, our community group insurance will help make sure you’re financially protected against the risks of running an event - including cover for cancellation and curtailment, employers’ and public liability and money, stock, contents and equipment cover.

Get a community group insurance quote and find out more.

Is community group insurance a legal requirement?

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Trustees have a legal duty to act in a community group’s best interests, especially in relation to the group’s assets, resources, service users, staff and volunteers.

While community group insurance itself is not technically a legal requirement, there may be elements of cover your community group is legally obligated to have.

Therefore it’s important to properly assess the risk associated with your community group to make sure you’re fulfilling both your duty of care, and your legal obligations.

For example if you have employees, you are legally required to have at least £5 million employers’ liability insurance in place – and you could be fined as much as £2,500 for every day you are not properly insured.

This applies to:

  • Full-time staff
  • Temporary and part-time staff
  • Work experience & apprentices
  • In some instances, volunteers (sometimes volunteers are covered by your public liability insurance)

Visit the government website to find out more about your community group’s legal obligations. 

Do you provide cover for unincorporated associations?

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Yes, we can provide cover for unregistered, unincorporated associations*.

*Definition: An ‘unincorporated association’ is an organisation set up between a group of people who come together for any purpose other than to make a profit (for example, a voluntary group or a sports club). You do not need to be registered to set one up, however if you do make a profit you may be need to pay corporate tax in the same way as a limited company. Find out more on the government website. 

Local Services 2 You

Andy Petrie
Chief Executive

My experience of working with Endsleigh has been extremely good. They managed to save us over £4,000 from our renewal with a greater level of cover. I dealt with Ben Harris and found the insurance process straight forward and the advice has been really clear and helpful.

The Helen Taylor Thompson Foundation (CAN Mezzanine)

Maria Maros
Financial Planning Manager

Great, prompt and professional service provided by Kieren Sutton with our extensive insurance package with a well welcomed premium saving. Not only did we receive a competitive quote but also Kieren was able to answer all the questions accurately.

Community Transport Association

Anneessa Mahmood
Director of Member Services

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.  

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Need to contact us?

Our friendly team are ready to talk to you:

Monday-Friday, 9am-5pm

Call us on 0333 234 1387