Charity Insurance

Protect the future of your third sector organisation with cost-effective charity insurance from get indemnity™

Get indemnity™ charity insurance

tick
Get indemnity™ charity insurance is available to both small and large national charities.
tick
We are a specialist charity insurance broker that can provide for a range of requirements.
tick
Starting at £198 annually or £8.33 month for get indemnity™ charity insurance.
tick
Ensure you continue to purchase suitable and cost-effective insurance for your charity.

Third sector & charity insurance quotes includes a variety of covers designed for non-profit organisations

Third sector organisations are faced with a number of challenges in undertaking their activities to improve our community. Maintaining appropriate charity insurance is essential in protecting the future of your charitable organisation.

At get indemnity™ charity insurance starts at £198 annually or £8.33 monthly. Each third sector organisation is different, therefore will need to consider their own requirements when purchasing charity insurance.


    Get indemnity™ charity insurance

    Making sure you continue to purchase the most suitable charity insurance can seem like a daunting task. However, as specialist charity insurance brokers we can make obtaining alternative quotes simple with our digital onboarding process.

    Below we take a closer look at the different types of charity insurance available and highlight some key considerations when purchasing the most appropriate charity insurance to meet your needs.


    What is charity insurance?

    Charity insurance provides specialist cover for non-profit organisations, such as charities, voluntary organisations and religious organisations, to mitigate financial risks from unforeseen events.

    As a digital insurance broker that specialises in third sector and charity insurance, we can provide tailored solutions at cost-effective premiums to meet a range of needs.

    Compare charity insurance with get indemnity™ to identify whether you continue to purchase the most appropriate and cost-effective protection.


    What charity insurance do you need?

    Your responsibilities and exposure to third-party liabilities will vary depending upon the services you provide. However, you should consider the below charity insurance covers to ensure your organisation is covered:

     

    Trustee indemnity insurance

    Trustee indemnity insurance offers financial protection to individuals against civil, criminal and regulatory proceedings, while acting on behalf of the organisation.

     

    Public liability insurance

    Public liability insurance will protect your organisation from injury or property damage of persons other than your employees in the course of your charitable activities.

     

    Employers liability insurance

    Employers liability insurance will protect your organisation against injury or illness of your employees and volunteers.

     

    Professional indemnity insurance

    Professional indemnity insurance will protect against civil litigation in the provision of advisory, counselling, consultation or other services.

     

    Employment practice liability

    Employment practice liability will protect your organisation and its trustees, employees and volunteers, from a wide range of employment disputes.

     

    Property insurance

    Property insurance can protect your organisation's buildings, contents, stock, computer equipment and specialist equipment, against loss or damage from a range of insured perils.
     

    There are a variety of charity insurance available to protect your organisations interests from a vareity of unforseen events. Give us a call to discuss your individual requirements.


    What types of organisations can charity insurance cover?

    Third sector and charity insurance can be tailored to meet provide comprehensive cover to a wide variety of organisations:

    >  Care homes
    >  Charities
    >  Community organisations
    >  Cooperatives
    >  Cultural charities
    >  Educational charities
    >  Environmental charities
    >  Faith organisations
    >  Healthcare charities
    >  Hospices
    >  Not-for-profit organisations
    >  Private research institutes
    >  Religious charities
    >  Social enterprises
    >  Think tanks
    >  Voluntary organisations


    What to consider when buying charity insurance?

    Third sector organisations are exposed to a wide of risks whilst undertaking their endeavours. Maintaining adequate charity insurance will offer protection from liabilities and property damage that has the potential to incur significant cost.

    Employment related issues continue to be a significant cause of liability claims made against third sector and charitable organisations. We've produced a useful guide called:  Employment disputes in the UK - how to protect your business?

    Charity professional indemnity insurance will protect your third sector organisation against negligent acts, errors or omissions resulting from civil litigation in the provision of advisory, counselling, consultation or other services.

     

    High-risk charitable activities include:

    >  Exposure to providing drugs/alcohol rehabilitation
    >  Exposure to vulnerable individuals
    >  Exposure to care of children, elderly or disabled
    >  Exposure to training, treatment or administration of medication
     

    As a specialist charity insurance broker, we have the expertise and access to identify a range of solutions to meet your needs. If you are unsure which charity insurance best suit your needs, please contact us and we can discuss in detail. 


    Can you provide charity insurance claim examples?

    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.

    > Trustee Indemnity

    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.

    > Organisation Insurance 

    > Trustee Indemnity

    Protects the organisation against legal costs incurred in defending the allegation.

    A person within your care alleges negligence in offering counselling services. 

    > Professional Indemnity

    > Trustee Indemnity

    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.

    > Employment Practices

    > Trustee Indemnity

    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.

    > Crime Insurance

    > Trustee Indemnity

    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.

    > Cyber Insurance

    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.

    > Public Liability

    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.

    > Employers Liability

    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).

    > Property Damage

    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. 

    If you would like to discuss event cancellation insurance, please contact us to discuss further.


    Compare third sector and charity insurance quotes


    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.