Charity Insurance

Insurance protection for your charity or hospice allowing you to support the needs of others

With all risks, buildings and contents covered, you'll benefit from automatic insurance for business interruption, goods in transit, liabilities and legal protection.

And tailored to your business uniquely with extensions including professional & charity trustees indemnity, personal accident, engineering and more.

0330 123 5274
0330 123 5274 Weekdays 8.30am – 5.30pm
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Features

Charity insurance features

  • All risks cover for property and contents

  • Theft

  • All risks business interruption

  • Money and assault

  • Damage to and breakage of internal and external glass

  • Goods in transit in the UK

  • Employer's liability

  • Public and products liability

  • Legal protection, covering costs and expenses up to £250,000 for your employees and volunteers

  • Loss of registration certificate

  • Loss recovery insurance

  • Option to include professional and/or charity trustees indemnity

  • Optional personal accident and travel

  • Engineering extension

  • 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

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Exclusions

Charity insurance exclusions

Property Damage

  • Gradual deterioration or wear and tear

  • Operational error or omission on the part of the insured or any employee

Employer's Liability

  • Any work undertaken in, on or travelling to any offshore accommodation

  • Liability exceeding £5 million caused to or by or arising from war, civil war, terrorism

Public and Products Liability

  • Personal injury to any employee

  • Property belonging to the insured

Money and Assault

  • Shortages due to clerical or accounting errors

  • Loss of money from unattended vehicles

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

FAQs

Charity insurance FAQs

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Claims

Charity insurance claims promise

By working together with our customers and industry professionals we have developed a policy that has the specific needs of a charitable organisation at its heart. We pride ourselves in our personal touch and from choosing the correct policy through to making a claim our expert team will be on hand to offer impartial advice and support at all times.

Our highly experienced in house charity insurance claims team of six people have a combined experience of over 40 years and are on hand Monday to Friday to support you.

In the event of the worst happening, please call us on 01438 739731 and we will talk with you about your claim, guiding you through your next steps and taking you through the process. Your claim form can be downloaded here) and you will find email and postal address details in your policy documents.

In line with our service pledge, we will act within 24 hours of your new claim being notified to us, and within five working days of any new information on your existing claim, to ensure that your claim is settled as quickly as possible.

And when your claim is settled we will ensure speedy payment, by BACS straight into your bank account or by CHAPS to the supplier.

Documents

Charity insurance policy documents

Policy Summary [pdf, 63 KB] Policy Wording [pdf, 1006 KB]
0330 123 5274
0330 123 5274 Weekdays 8.30am – 5.30pm
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