Advice to trustees
The roles and responsibilities of a trustee and the benefit of having trustee liability insurance.
Insurance for charities, not-for-profit organisations and community groups.
We have many years of experience insuring charities, community groups and other not-for-profit organisations. We understand each one has individual requirements, so our policy is flexible to provide the cover you need. We aim to give you the peace of mind to focus on the great work you do.
Our specialists will take the time to talk through the various covers and how they might apply to your organisation. You can then choose from a range of options, only paying for the cover you require.
Charity insurance can include the following:
Charity Shield has been designed to meet the insurance needs of charities, community groups and not-for-profit organisations operating in the UK. It offers a wide range of cover and incorporates a number of features not normally found in a standard business policy, e.g. charity trustee insurance, bequeathed property, death of a patron, authorised volunteers.
No, the policy is very flexible and allows you to tailor the cover provided to your particular needs, although the public liability section is compulsory..
The organiser or the organising committee or council may be responsible for any injuries or damage to property caused by the group's activities. It is prudent to arrange insurance to cover these liabilities.
Charity insurance can also cover valuable equipment and other property against loss or damage, or subscriptions and other money, which it may wish to insure against loss.
Yes, ask the team for more information or read our food safety guidance.
Yes, the Charity Shield policy will provide cover for your legal liability for accidental loss or damage to property hired by you at which you are carrying on your activities.
The public liability section of the Charity Shield policy automatically covers this.
Employers’ liability for charities indemnifies against your legal liability to pay damages and legal costs arising out an injury to an employee, including authorised volunteers, caused during the period of insurance.
Yes, subject to the existence of appropriate controls, cover can be provided for loss money or goods belonging to the charity caused by an act of fraud or dishonesty by any employee or authorised volunteer, including by employees or authorised volunteers acting in collusion.
The public and product liability sections of the policy provide cover if authorised volunteers cause injury to members of the public, or damage to their property, whilst carrying out the activities of the group.
The organiser/organising committee or council may be legally liable for injury to or illness of authorised volunteers, which arises as a result of their participation in the group’s activities, similar to the liability they would have for employees.
If the group have any employees or authorised volunteers the Charity Shield policy can be tailored to include employers’ liability insurance. Employers’ liability insurance, where it applies, is required by law.