A Guide to Charity Insurance

What is charity insurance?

Every charity is unique, so the policy that’s right for you needs to specially tailored to your needs. At Towergate, we’ll take the time to get to know your charity and work closely with you to draw up and cost a charity insurance policy that will give you peace of mind.

When comparing charity insurance, you should look for a policy that will cover your not-for-profit organisation for a range of potential risks, such as business interruption, theft, employer’s liability, goods in transit, charity liability and legal protection. Here at Towergate, we can also offer optional covers to suit the unique needs of your charity, depending on the work you do. 

Do I need insurance for my charity?

If your charity employs staff or operates vehicles on public roads, insurance is a legal requirement. At Towergate, we advise that all charities think about getting a charity insurance policy in place. Reasons for this include, for example, if your charity office is flooded, business interruption cover, which is included within a Towergate policy ensure that your charity can carry on providing support and generating funds.

What does charity insurance cover?

Each charity fulfils different needs and therefore may have different insurance requirements. Here at Towergate, we offer as standard:

  • Cover for damaged property and possessions
  • All-risk business interruption
  • Charity liability insurance, including public and product
  • Employers' liability - If your charity employs paid staff, employers' liability insurance will protect your charity against claims made for injuries suffered by your staff while they are carrying out work duties.
  • Public liability - If your employees interact with members of the public as part of their job, or if you host or attend events for business purposes, public liability insurance will protect your charity if clients or members of the public suffer personal injury or property damage because of your business.

Key features of our charity insurance

  • Fundraising events cover - Our policy includes public and product liability for many fundraising events, but there may be some activities that need additional information or alternative arrangements. We have a specialist team that you can speak to if in any doubt and Towergate will also provide you with a fundraising guide to make the process simpler.
  • Free risk support - To keep you up-to-date with the latest health and safety obligations as well as to protect your premiums through effective risk management.
  • Business interruption - £2 million cover is automatically included - with the option to increase this, as required.
  • Up to £100,000 indemnity for charity trustees is automatically included
  • Free e-learning - Stay up-to-date with your legal requirements with accredited e-learning resources
  • No claims fee
  • Legal helpline

Optional covers

Optional covers include:

  • Computer breakdown cover option
  • Optional medical malpractice insurance
  • Option to include fidelity guarantee cover
  • Event fundraising cover
  • Personal or fleet motor extension
  • Loss of excess insurance option

Things to consider when choosing your charity insurance policy

Towergate's charity cover offers a breadth of options to suit your insurance needs. Key features include:

  • No claims fees - Unlike some other insurers, we do not charge a fee to process your claims
  • Legal helpline - To provide the support you need, when you need it
  • Expertise - With over 150 years' combined of experience, your charity is in safe hands

Charity insurance from Towergate

Every charity is unique, so the policy that’s right for your needs to be specially tailored to your needs. At Towergate, we’ll take the time to get to know your charity and work closely with you to draw up and cost a charity insurance policy that will give you the peace of mind that you’re covered in any event.

Call us for a quote when you’re ready on 0330 123 5274, or read more about our specialist charity insurance.

About the author

James Anscombe Cert CII - charity insurance articles author

James Anscombe Cert CII is a respected industry leader with over 10 years' business development experience protecting clients in the charity insurance sector. His professional area of expertise is working with and developing new clients within the not-for-profit sector, offering the best solutions to each individual charity to protect organisations for the long term.