Guide to insurance for UK charities. Learn about different types of coverage and how to protect your charity from risk.
Insurance protects charities from financial losses arising from risks such as property damage, liability claims, and employee issues. Having appropriate insurance is essential for responsible governance.
Trustees have a duty to ensure adequate insurance is in place. This includes considering what risks the charity faces and obtaining appropriate coverage at reasonable cost.
Many insurers specialize in the charity sector and understand charity-specific risks. Consider using a broker who understands the charity sector.
Covers claims from members of the public for injury or property damage. Often required for events and activities involving the public.
Mandatory if you have employees. Covers claims from staff for workplace injury or illness. Ensure coverage meets legal minimum requirements.
Covers damage to charity premises, equipment, and contents. Consider both buildings and contents coverage based on what you own.
Protects trustees from personal liability for claims against them. Important for attracting and retaining good trustees.
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