Coronavirus help and support for our insurance customers


Charity Insurance

Risks, buildings and contents cover for charities.

  • Access to leading A-rated insurers for charity cover
  • A team of sector experts with over 100 years’ experience
  • Bespoke package policies ensuring you only pay for the cover your charity needs

Start your charity insurance quote online

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0330 123 5274
0330 123 5274

Weekdays 8.30am – 5.30pm
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What does our charity insurance cover?

Cover that can meet your charity’s unique needs

We understand that all charities are different and our relationships with insurers means that we have access to multiple different policies within the market, so we can meet each charity’s individual requirements. This means that if you need to insure a specific need or might not need certain cover, we can approach the right market to make sure that you get the solution that meets your charity’s needs.

Complimentary legal and stress advice for charities

Included as part of our charity policy is complimentary access to Markel Law Hub; your very own legal information portal which delivers up-to-date legal information and a wide range of legal guides you can fully tailor to suit your charity’s needs. As well as Markel Law Hub, you also receive access to a 24-hour stress helpline that you and your charity employees can call whenever you need support.

Optional risk management charity cover

As a specialist insurance broker, Towergate can also offer charities and not-for-profit organisations a variety of different risk management solutions. Depending on what activities and scope your charity is in involved in, we can assist you with charity trustee indemnity, fleet motor insurance and more.

Cybercrime and data protection charity insurance

We understand the importance of having the correct cover in place to combat the threat as soon as it is on your radar, which is why we provide a portfolio of cyber insurance policies. Depending on your level of cover, this can include loss and damage to data or software programmes, crisis management and communications, repairs or replacement following system damage and loss of third-party data.

Charity Insurance Claims

Need to make a claim?

Call us on 0330 123 5921 or email us at careclaims@towergate with:

  • Your policy number
  • A phone number to reach you on
  • Details of your claim
  • Photos where possible and relevant

Charity Insurance Articles & Guides

We've selected the following content for you:

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The Hardening Market

In these uncertain times, the impact of COVID-19 has led insurers to review potential financial quantum and exposures around potential liability and business interruption claims including those due to the closure of many hospices and charity shops.

Guide To Charity Insurance

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A Guide to 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.

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The Strain Of Stress During Our New Normal

We understand that due to the current climate, a lot more people from all walks of life are finding it harder than usual to deal with the stress of their personal mental health and work life, which is why it is so important to understand the way that stress can affect your body.

Charity Insurance FAQs

Do I need separate liability insurance for a fundraising event I am organising?

Most fundraising events are automatically covered by the charity liability insurance section of our policy, but for others we may need additional information to provide you with adequate cover.

Do I need to extend my policy to cover the changes in the Corporate Manslaughter Act?

No, you do not need to extend your policy. Corporate Manslaughter Defence Costs cover has been included within our policy since the Act came into force in 2008.

Are volunteers covered?

Yes, our definition of an employee includes both paid and volunteer members of staff, hence full cover is extended to volunteers in all relevant sections of your policy.

What is business interruption cover and why is it so important?

Business interruption cover applies when an insured loss occurs resulting in you not being able to use your premises to deliver your services. Your premises could also be closed if a building nearby is damaged or affected by causes such as fire, storm damage, water damage & vehicle impact. The cover is designed to put your business back in the same financial position it was in before the loss occurred.

What is public liability insurance?

Public liability insurance provides cover against your legal liability to pay damages arising if ever a visitor to your business premises is injured on site, or if one of your employees injures a third party whilst working for you.

Can I pay for my charity insurance policy in instalments?

If you would like to spread the cost of your policy we offer the option to set up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To understand more about how PCL work together with Towergate, please read our regulatory information.

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