FAQs
Charity Insurance FAQ
Covering liability, trustees, volunteers, and more.
A flexible policy is built around the organisation’s activities and may include:
Public Liability Insurance
- Covers injuries or damage to third parties at events or during activities
Employers’ Liability Insurance
- Legally required if the charity has staff or volunteers
Trustee Indemnity / Management Liability
- Protects trustees and officers from personal liability if claims are made over decisions, mismanagement, or compliance issues
Professional Indemnity Insurance
- For charities offering advice, counselling, or case support
Abuse or Safeguarding Cover
- Vital for organisations working with children or vulnerable adults
Property Insurance
- Covers buildings, offices, contents, and equipment
Event Insurance
- Temporary cover for fundraisers, galas, fêtes, sponsored events
Cyber Insurance (optional)
- For charities handling donor or service user data
Legal Expenses
- Support with disputes, employment tribunals, and contract disagreements
- A volunteer is injured lifting boxes during a food bank delivery
- A safeguarding allegation is made against a youth group staff member
- A donor sues a trustee over mismanagement of funds
- A charity’s laptop is stolen, and client data is compromised
- A fundraising event leads to property damage at a hired venue
Premiums vary based on:
- Organisation size and annual turnover
- Number of employees/volunteers
- Types of activities or services offered
- If working with vulnerable individuals
- Property ownership and public exposure
Example ranges:
- Small local charity: from £150–£500/year
- Mid-sized charity with staff + outreach: £500–£2,000+
- Charities with property or safeguarding exposures: often higher
- Assuming volunteers don’t need to be insured (they do!)
- Thinking the church or venue covers their liability
- Trustees not realising they can be personally sued
- Running public events without event-specific liability
- A specialist charity broker understands these nuances
Reach out to us
If you have any questions or need further assistance with any of our insurance products please use the form and reach out to us.
One of your team members will be back in touch shortly after.