What level of liability cover do I need?

This all depends on the type of activities your charity or business is involved in. The minimum cover is usually £1million but the standard cover nowadays is £2million upwards.

Do I need employers' liability?

If you have volunteers, employees, labour-only sub-contractors etc who act under instruction from the charity or business then you will require employers’ liability insurance.

Do I have to take out charity or not-for-profit insurance?

No, although the products are specifically designed for charities and not-for-profit companies, there is no compulsory requirement other than employers’ liability.

Can I take out a commercial insurance policy instead of charity or not-for-profit insurance?

Absolutely, in fact in some instances a commercial insurance policy make more sense and your insurance adviser would discuss the most appropriate product(s).

Can we increase excesses to reduce cost?

Yes, you can increase your excesses to reduce costs. Your insurance adviser will explain the options to you.

Not-for-Profit - Charity Insurance

Name: Not-for-profit – Charity Insurance
Brand: Alan Boswell Group
Rating: 4.8 (11212 reviews)

Not-for-profit – Charity Insurance

Provides financial protection for non-profit organisations against risks like liability, property damage, and employee-related issues.

Cover for working with children and disabilities

Trustees and charities liability

Independent advice from award-winning chartered insurance broker

Not-for-profit insurance is a type of insurance you should use if you are involved in the running of a charity or a not-for-profit organisation. Maintaining the correct level of insurance cover to protect your organisation against liability claims or loss of assets is vital.

You will also be conscious of the need to minimise the cost of your programme. Price stability and a quality insurer are vitally important in the non-profit sector; where funds may be limited and charity trustees have such an onerous duty of care. To fit these needs it is important you obtain impartial advice on your insurance needs.

The Alan Boswell Group Difference

Our experience of working with charities, voluntary groups and not-for-profit organisations ensures we provide you with a first class service. Being independent we will undertake an exercise to ensure you have the most appropriate cover at competitive prices and if you need to claim you can rest assured that our in-house claims handlers will do the hard work for you and help to negotiate a fair settlement.

How our customers rate us

The team at ABG is working with us closely in a “trusted adviser” role, which has given us confidence in the protection and service, as well as peace of mind to focus on the day-to-day and strategic missions.

Richard Hindson - East Anglian Air Ambulance

Read the case study

4.8/5 11212 reviews

Charity insurance in detail

Insurance is crucial for UK charities as it protects them from financial risks and liabilities, ensuring they can continue their vital work without the threat of unforeseen costs due to accidents, lawsuits, property damage, or other unexpected events.