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 charity insurance 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 tailored policy makes it simple, providing the main specialist charity insurance covers specifically designed for small charities and not-for-profit organisations with an annual income of up to £250,000 (additional criteria applies). Cover includes:
- Public and products liability
- Employers’ liability
- Trustees’ and directors’ indemnity
- Legal expenses (optional)
- All risks cover for unspecified property (optional)
Our online Charity insurance product is suitable for charities that have:
- An annual turnover under £250,000
- Annual wages paid to employees under £100,000
- 100 or fewer volunteers
- Not made any charity insurance claims in the past 5 years
If your charity meets this criteria you can get an instant online quote here.
We can still provide bespoke insurance for charities that don’t meet this criteria but you will need to contact our specialist team for a custom 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.