
As a charitable organisation, your focus is on helping others and making a positive impact in your community. But even with the best intentions, unexpected incidents can occur. Public Liability Insurance is a vital safeguard, ensuring that your charity is protected financially and reputationally when the unforeseen happens.
Our Charity Insurance and Social Enterprise Insurance experts here at WRS Insurance Brokers break down the key things you need to know about Public Liability Insurance and what this could mean for your charity.
What is Public Liability Insurance?
Public Liability Insurance covers legal fees and compensation if someone is injured, or their property is damaged due to your charity’s activities. Whether you’re hosting a fundraising event, running a community centre, or providing essential services, this insurance offers peace of mind and helps you continue your work without disruption.
Why is Public Liability Insurance important for charities?
Charities often engage with a diverse range of people—donors, volunteers, beneficiaries, and the general public. This increased interaction raises the potential for accidents or incidents. Public Liability Insurance ensures that your charity can respond effectively to claims, avoiding financial strain and protecting your reputation.
Here’s what it typically covers:
- Compensation Claims: For injuries caused during your events or activities
- Property Damage: If your activities accidentally damage third-party property
- Legal Costs: Including solicitor fees, court expenses, and settlements
Public Liability Insurance ensures that your charity can cover the costs without diverting funds from its mission.
Examples of what Public Liability Insurance can cover
- Fundraising Event: A supporter attending your charity walk trips on uneven ground or a visitor to your charity’s community centre slips on a wet floor and suffers an injury
- Property Damage: Your charity is holding an event at a third party’s venue, and an attendee spills their drink on the venue’s electrical equipment causing damage.
What will happen if I do not have Public Liability cover?
Without Public Liability Insurance, your charity could face significant financial and reputational risks. A single compensation claim for injury or property damage can lead to costly legal fees and settlement expenses, potentially draining funds from your mission. Additionally, many venues, funders, and local authorities require proof of this insurance before allowing events or partnerships, which could limit your opportunities.
How much does Public Liability Insurance for charities cost?
The cost of Public Liability Insurance for charities varies based on factors like:
- The size and scope of your organisation
- The number and type of activities or events that you plan
- The level of cover you require
At WRS Insurance Brokers, we work closely with charities to tailor policies that suit their needs. Our expertise ensures you get the right cover without unnecessary costs.
How WRS Insurance Brokers Can Help
At WRS Insurance Brokers, we are specialists in Charity Insurance and Social Enterprise Insurance and our experienced team is passionate about the charitable sector. Our experience has taught us that one size certainly doesn’t fit all and that every charity and not-for-profit organisation faces its own unique risks.
WRS is part of the Benefact Group, a charity-owned, international family of financial services companies that gives all available profits to charity and good causes.
Get Started Today
Contact WRS Insurance Brokers to explore Public Liability Insurance options that fit your organisation’s needs. Contact us by calling 01206 760780 or emailing hello@wrsinsurance.co.uk.
Alternatively, you can fill in the form get a quote from the team by clicking the button below.