Charity Insurance

Charities throughout the United Kingdom face many risks that can result in loss, damage or liability for trustees - and for the charity as a whole.  Risks include a loss of charity assets or resources, damage to a charity's property and third party liability for professional indemnity or public liability.  Part of mitigating these risks is having an appropriate insurance policy.

Compulsory Insurance

There are certain types of insurance that charities may be required by law to purchase,  depending on their specific circumstances.

  • Employers' Liability Insurance (EL)
  • Motor Insurance

Common Covers to Include

  • Even if a charity is not required by law to carry insurance,  it should seriously consider including the following covers recommended by the Charity Commission:
  • Buildings
  • Contents
  • Public Liability
  • Employee Dishonesty
  • Legal Expenses
  • Professional Indemnity
  • Trustee Indemnity

Volunteer Considerations

Many charities will use the services of volunteers.  While volunteers are not considered employees, charities still have a duty to ensure their health and safety and give them proper training and supervision.  If a volunteer is injured as a result of the charity's negligence,  he or she could file a claim against the charity or trustees.  The charity and it volunteers should also be covered in case a third party is injured due to action s of volunteers.

Because each charity's purpose or public benefit aim is different,  it takes an experienced broker with expertise in the industry to create a bespoke policy that makes sure all risks are addressed.  GMM Commercial Insurance Services Limited has the expertise and experience to work with your charity and trustees.
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