When it comes to Charity Insurance, one of the most common misconceptions we hear is: “We’re only a small charity, so we don’t really need insurance”.

When budgets are tight and your team is made up of a few passionate volunteers and employees, insurance can feel like an unnecessary expense. But here’s the truth: no charity is too small to face risk.

1. Accidents don’t discriminate by size

Whether you’re a national charity with hundreds of staff or a local community group with a handful of volunteers, accidents and mishaps can still happen, for example:

• A member of the public trips over equipment at your fundraiser
• A volunteer is injured during an activity
• A cyber-attack compromises your donor data

In each case, the size of your charity doesn’t protect you from potential claims, but having the right insurance can.

2. You might be legally or contractually required to have insurance

Even small charities often:

• Employ staff (requiring Employers’ Liability Insurance by law)
• Work with the public (where Public Liability Insurance is essential)
• Rent or own property
• Apply for grants or funding (where insurance is often a condition)

Having appropriate insurance isn’t just about protection, it can also be a requirement.

3. Insurance supports your sustainability

The unfortunate truth is that a single unexpected event, like a property fire, injury claim, or data breach, can put a small charity at serious financial risk.

Insurance gives you a safety net, helping your organisation recover without derailing the vital work you do in your community.

4. It’s more affordable than you think

Insurance for small charities doesn’t have to break the bank. Policies can be tailored to suit your size, activities, and budget, so you only pay for the cover you need.

At WRS Insurance Brokers, we specialise in working with charities of all shapes and sizes, and we’ll always make sure your policy reflects the unique risks your organisation faces.

 5. Protecting Your People = Protecting Your Purpose

Volunteers, trustees and supporters are the heart of your charity. Insurance can help protect them (and your reputation) if something goes wrong.

It shows your community, funders, and supporters demonstrating your commitment and credibility.

No charity is too small for protection

Being small is your strength, but it shouldn’t be your vulnerability. The right insurance offers peace of mind, protects your good work, and helps your charity thrive.

About WRS

At WRS Insurance Brokers, we are specialists in Charity Insurance and Social Enterprise Insurance and our team is passionate about the charitable sector. As a business with a strong social conscience, we’re passionate about supporting the work of organisations that make a difference. 

Our specialists have helped many charities and not-for-profit organisations achieve the peace of mind and the insurance protection they need to focus their efforts on achieving their social ambitions.

WRS is proudly part of the Benefact Group, a charity-owned, international family of financial services companies that gives all available profits to charity and good causes.

Need help in understanding what cover is right for you?