Charity Insurance
Charity Insurance is designed specifically to protect the unique risks faced by non-profit organisations, social enterprises, and charities. Whether you’re running a small community group or a large charitable trust, this cover ensures your charity, staff, volunteers, and assets are protected from the unexpected. From liability claims to safeguarding donations and premises, Charity Insurance offers comprehensive support for organisations doing vital work in the community.
Comprehensive Protection for Charitable Organisations
Charities are often exposed to a range of risks, from legal claims to property damage, and even allegations of negligence. Charity Insurance is tailored to safeguard your organisation against these risks, ensuring that the resources you rely on are protected, and your mission continues without costly disruptions.
Features and Benefits of Charity Insurance
Public and Employers' Liability: Protects against claims from third parties or employees, ensuring your charity is covered for personal injury, property damage, or negligence claims.
Trustee Indemnity: Offers legal protection for trustees and board members, covering legal expenses and claims related to mismanagement or breach of trust.
Volunteer Cover: Ensures volunteers are covered for injury or damage while working on behalf of your charity.
Property and Equipment Protection: Covers buildings, contents, and specialised equipment against damage, theft, or loss.
Cyber and Data Breach Protection: Safeguards your charity from the financial and reputational fallout of data breaches and cyberattacks.
Fundraising Event Cover: Offers protection for events, ensuring you’re covered if anything goes wrong, such as public liability claims or equipment damage.
What is Typically Covered?
A typical Charity Insurance policy may include:
Public liability: Protection from third-party claims for injury or property damage.
Employers’ liability: A legal requirement if your charity employs staff, this covers injury or illness claims made by employees.
Trustee liability: Covers legal defence costs and claims against trustees for errors in decision-making or governance.
Buildings and contents: Insurance for your charity’s premises and contents, covering damage, theft, and more.
Volunteer and event insurance: Coverage for volunteers and activities like fundraising events or charity fairs.
Common exclusions to be aware of may include:
Professional indemnity: Not typically included unless specified for charities offering advice or professional services.
Wear and tear: Gradual deterioration of buildings or equipment is generally not covered.
Pre-existing conditions: Damage or issues existing before the policy begins.
Acts of fraud or dishonesty: Claims relating to criminal activity by the organisation's staff or volunteers may be excluded unless covered by a specific fidelity guarantee policy.
Terms and conditions vary based on the charity’s size and activities. Becks insurance brokers will review your specific needs and provide a policy suited to your operations.
Secure Your Charity with Becks Insurance Brokers
Ensure your charity’s work continues without interruption. Protect your people, premises, and operations with Charity Insurance. Book an appointment with one of our expert brokers here or request a tailored quote online here. Becks Insurance will find the perfect solution for your charity’s needs.
