Get specialist advice from an ethical Charity Insurance broker
When it comes to Charity Insurance, our experience has taught us that one-size certainly doesn’t fit all. Every charity and not-for-profit organisation faces its own unique risks. This is why, at WRS Insurance, we’re passionate about offering specialist advice and support to help ensure your organisation has the tailored insurance protection and reassurance you need to enable you to get on with making a positive impact.
Face to face visits and impartial support
Thousands of charities and not-for-profits across the UK, of all sizes, trust us to offer them the impartial charity insurance advice they need. When required, we visit our clients face-to-face so we can fully understand their needs and the risks each faces.
We build long-term relationships with our clients and pride ourselves on offering a professional, friendly service that is second-to-none.
Cover for charities with an income up to £250k Looking to buy your small charity insurance online but unsure what cover you need? Our online Charity Insurance policy is designed to protect small charities and not for profits with an annual income of up to £250,000 (additional criteria applies). It includes these essential covers as standard:
- Public and products liability
- Employers’ liability
- Trustees’ and directors’ indemnity
Additional optional protection includes:
- Legal expenses
- All risks cover for unspecified property
Our online Charity insurance product is suitable for charities that have:
- up to £250,000 in annual income
- up to £100,000 in annual wages paid to employees
- up to 100 volunteers
- Not made any charity insurance claims in the past 5 years
If your charity or not for profit organisation meets these criteria you can get an instant online quote here.
Don’t worry if your charity or not for profit doesn’t satisfy all these criteria as we can still help, but you’ll need to contact our specialist team for a tailored quote.
Cover for charities with an income over £250k For larger, or more complex charities with an annual turnover exceeding £250k, our team will need to gain a deeper understanding of the services in which you provide, we can then offer specialist charity insurance and advice based on your requirements.
As your organisation grows the risks you face change. It’s essential that your insurance protects you as you increase in size. As an independent, ethical insurance broker specialising in the charity sector, we work with leading UK charity insurers to help you access the right cover that meets your budget needs.
Helping you find the best Charity Insurance for your needs
Our experienced team are passionate about the sector. Our own directors have many years’ experience as trustees, so we understand that the risks charities face can be incredibly varied and ever-evolving.
We also understand that the pressure on your budgets is now likely to be tougher than ever. As an independent charity insurance broker, we will work with you to find the best possible insurance package for your needs, from the country’s leading charity insurers.
We’ve also produced a free Charity Insurance guide which details the types of cover your charity may need. Download your copy here.
Insurance for charities, from hospices to wildlife associations
No matter how big or small your charity is or what your day-to-day activities involve, it’s highly likely we’ve helped an organisation like yours find the insurance they need. Below are just a few of the types of not-for-profit organisations we currently work with:
- Hospices
- Overseas Aid
- Care and Nursing Homes
- Furniture Re-Use Centres
- Social Enterprises
- New Start Charities
- Fundraising
- Children & Vulnerable Children
- Homeless Hostels
- Domestic Violence
- Charity Recycling
- Wildlife Associations
Protect your charity today
What insurance do charities need?
A guide to charity insurance
We understand that it can feel like a minefield when looking for the right charity insurance cover. While every charity and not-for-profit organisation faces its own unique risks, common covers that we often recommend include:
Charity Public Liability Insurance – protects you against injury or damage claims brought against your charity by a third party. For example, if you are hosting a fundraising event and someone accidentally trips and sustains an injury, they could file a claim against your charity. Having the correct charity public liability insurance in place is vital in protecting your organisation from unforeseen incidents which can result in costly compensation payments. Some venues may even require you to have a certain level of public liability insurance cover in place. At WRS, we’re able to offer a varied range of public liability insurance cover for charities.
Employers’ Liability Insurance for charities – protects you against claims from employees, or volunteers, who make a claim against you for an injury or illness caused by the work they do for you.
Trustee Indemnity Insurance – helps protect both individual trustees and the charity itself from the financial and legal consequences of claims or disputes related to the actions or decisions of trustees.
Professional Indemnity Insurance – helps protect the organisation from legal claims and the associated costs, including legal fees, settlements, or judgments when your charity provides professional services, advice or consultancy.
Business Interruption Insurance – financial protection for your charity against loss of income or increased costs of working caused by a range of insured events such as fire, flood and theft.
Legal Expenses Insurance – covering the expenses associated with legal representation.
Charity Cyber Insurance – if you suffer a cyber breach, this cover won’t just cover your financial losses, it will also give you access to cyber security experts who can help to recover your systems and help you understand what caused the breach.
Charity Motor & Fleet Insurance – a full array of vehicles can be covered, including minibuses, pool cars as part of a fleet, refrigerated vehicles, 3.5T vans and 7.5T vans.
Find out more in our free charity insurance guide. Download your copy here.
Frequently Asked Questions
Charity Insurance is a type of business insurance designed to protect charities, not-for-profit organisations and voluntary groups against the risks they face while carrying out their work. It can help provide financial protection if something unexpected happens, such as a legal claim, damage to property, or an injury involving an employee, volunteer or member of the public.
Every charity is different, so the cover you need will depend on the size of your organisation, the services you provide and the activities you carry out. Whether you run a local community project or a national charity, having the right insurance in place can help you continue supporting your beneficiaries with confidence.
Getting a charity insurance quote is simple. If you’re a smaller charity with straightforward insurance needs, you may be able to obtain an instant quote and purchase your policy online.
For larger charities or organisations with more complex activities, our specialist team can provide tailored advice and arrange cover that’s designed around your individual requirements. Simply get in touch with us to discuss your organisation and receive a personalised quotation.
The cost of charity insurance varies depending on your organisation and the level of cover you require. Factors that can influence the premium include:
- The size and income of your charity
- The activities and services you provide
- The number of employees and volunteers
- Whether you own or occupy buildings
- Your claims history
- The types and levels of insurance cover you choose
Smaller charities may be able to get an instant online quote using our Quote & Buy service, while larger or more complex organisations can contact our specialist team for a tailored quotation.
While it’s important not to compromise on the protection your charity needs, there are steps you can take to help keep insurance costs under control. These include reviewing your cover regularly, maintaining accurate sums insured, implementing good health and safety practices, managing risks effectively and taking steps to reduce the likelihood of claims.
Working with a specialist charity insurance broker can also help ensure you’re only paying for the cover your organisation needs. For more practical advice, read our guide on 6 Ways to Help Reduce Your Charity Insurance Premiums.
Charity insurance can include a range of covers designed to protect your organisation against different risks. Depending on your charity’s needs, this may include Public Liability Insurance, Employers’ Liability Insurance, Professional Indemnity Insurance, Trustee Indemnity Insurance, Property Insurance, Contents Insurance, and Cyber Insurance.
The right combination of cover will depend on your charity’s activities, assets and responsibilities. A specialist broker can help you choose a policy that’s appropriate for your organisation.
The time it takes to arrange charity insurance depends on the complexity of your organisation and the cover you require; however, our team always aims to get your quote to you as quickly as possible.
Smaller charities with straightforward insurance needs may be able to receive an instant online quote and arrange cover the same day. Larger charities or organisations with more specialist requirements can contact our specialist team for a tailored quotation. While these cases may require additional information, we’ll always aim to make the process as straightforward as possible.
Most charities and not-for-profit organisations should consider charity insurance to help protect against the risks they face. This includes registered charities, charitable trusts, community groups, voluntary organisations, social enterprises and other organisations working for public benefit.
Whether you employ staff, rely on volunteers, own property, organise events or provide advice and services, the right insurance can help protect your organisation if something goes wrong.
Charity insurance helps protect your organisation’s finances, reputation and ability to continue supporting the people who rely on your services. Unexpected events such as accidents, property damage, legal claims or cyber incidents can be costly and disruptive, particularly for organisations with limited budgets.
Having appropriate insurance in place means your charity is better prepared to recover from unexpected events and continue delivering its important work. Some types of insurance, such as Employers’ Liability Insurance, may also be a legal requirement depending on your organisation.
Without appropriate insurance, your charity could be responsible for paying the full cost of legal claims, compensation, repairs or replacement of damaged property. Even a single incident could have a significant financial impact and affect your ability to continue operating.
For example, if a volunteer accidentally injures a member of the public, or your premises are damaged by a fire or flood, the costs could be substantial. In addition, if your charity employs staff and does not have Employers’ Liability Insurance where required by law, you could face financial penalties. Having the right insurance in place helps protect your organisation from these risks while allowing you to focus on your mission.