Charities & Not-for-Profit Insurance in Brighton
Charities and not-for-profit organisations in Brighton operate under intense public scrutiny and regulatory oversight from the Charity Commission. Whether you run a community interest company, a social enterprise or a registered charity, your insurance needs differ significantly from a standard commercial business—trustee indemnity, volunteer liability and event cover all require specialist attention.
Key points
- Any business with customer-facing premises
- Contractors working at client sites
- Event organisers
- Retailers and hospitality businesses
- Service providers visiting homes
- Businesses using shared workspaces
Frequently asked questions
- What insurance do charities need in Brighton?
- Charities typically need public liability, trustee indemnity (D&O), employers' liability if they have staff, and property insurance. Those working with vulnerable people also need safeguarding-related cover.
- Do charity trustees need personal liability insurance?
- Yes. Trustees can be held personally liable for governance decisions. Trustee indemnity insurance (a form of D&O cover) protects their personal assets against claims from beneficiaries, regulators, or creditors.
- Does charity insurance cover volunteers?
- Public liability covers injuries to volunteers during charity activities. Personal accident cover for volunteers can also be added to provide benefits regardless of fault. Employers' liability only covers paid staff.
This page is part of https://becks.insure/charities-insurance-brighton. Becks Insurance Brokers is an independent, FCA-regulated commercial insurance broker based in Brighton, advising businesses across Sussex and the UK.