Third Sector & Charity Insurance Broker | UK
Protect the stability & future of your third sector organisation with cost-effective charity insurance
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Third sector & charity insurance includes a variety of covers designed for non-profit organisations
Third Sector & Charity Insurance Guide
- What is third sector insurance?
- Third sector & charitable activities
- Charity insurance UK guide
- Charity trustee insurance considerations
- Charity professional indemnity insurance
Below we take a closer look at the available insurance for charities and third sector organisations. In addition, to highlighting some key considerations in identifying the most appropriate charity insurance to meet your needs.
What is third sector insurance?
As a digital insurance broker that specialises in third sector and charity insurance, we can provide tailored solutions at cost-effective premiums.
Third sector & charitable activities
Responsibilities for third sector and charitable organisations will vary depending on their area of expertise, although they share three common traits:
Third sector and charity insurance can be tailored to meet provide comprehensive cover to a wide variety of organisations:
Charity insurance UK guide
The below guide identifies scenarios your third sector organisation may face and how charity insurance can offer protection and support if something goes wrong.
| What would happen if… | Charity Insurance: | What the coverage does: |
|---|---|---|
|
The Charity Commission for England and Wales brings an investigation into the conduct of a director. |
Protects the individual against legal costs incurred in defending the allegation; and damages from any award or settlement. |
|
|
Financial compensation is sought after an allegation of a breach of privacy. |
Protects the organisation against legal costs incurred in defending the allegation. | |
|
A person within your care alleges negligence in offering counselling services. |
Protects your organisation against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
|
An employee claims sexual harassment against the organisation for their failure to prevent. |
Protects the organisation against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
|
You discover the finance director has been stealing hundreds of thousands of pounds over the last several years. |
Protects the organisation against financial loss from the theft of property, money or securities by an employee. | |
| A hacker breaches your organisation’s security and steals sensitive personal information. | Protects the organisation against financial loss arising from security and privacy breaches. Can include first and third-party losses. | |
|
A charitable donor slips on a wet floor in your premises and causes a serious injury. |
Protects the organisation against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
|
An employee seeks financial compensation after being seriously injured at a charitable event. |
Protects the organisation against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
|
Your premises and computers were destroyed as a result of an insurable event? (i.e. fire, flood or storm). |
Protects your organisation’s buildings and contents (including options for stock and computer equipment) against loss or damage from a range of insured perils. |
Covers such as fleet insurance and health insurance are available to charitable organisations. Alternatively, we can cater for more specialist insurance requirements.
Charity trustee insurance considerations
Specific consideration should be made to:
Employment practices liability insurance offered under charity trustee indemnity insurance can offer valuable protection against a wide range of allegations from employees, volunteers and third parties.
Charity professional indemnity insurance
High-risk charitable activities include:
If you are unsure which charity insurance best suit your needs, please contact us and we can discuss in detail.
This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.