Business insurance for Charities


Business insurance for charities provides essential cover to take care of the times when things don’t go according to plan. If a volunteer is injured at work, a trustee is accused of negligence or a fundraiser is hurt at an event, it can mean stress, expense and even reputational damage. For a charity, insurance is vital when it comes to being covered for the unexpected.

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Insuring your charity


Charities and non-profit organisations play an important part in the lives of many people – volunteers, employees, fundraisers and those they support. But what happens if something goes wrong? Just like a business, charities need to insure against the unexpected. Hiscox business insurance for charities brings together public liability, employers liability, trustee liability and even cyber and data insurance should you lose donors’ private information.

Why you need business insurance for charities


An injured volunteer

A customer falls from a step at a charity shop, breaking their ankle. It means they’re unable to work for several weeks and they make a claim against the charity for not ensuring their safety. Public liability cover as part of the charity’s insurance with Hiscox means we’ll cover the costs of defending against the legal claim and any settlement.

Unhappy clients

A trustee of a small charity faces claims of negligence after a fundraiser is injured at a sponsored football match and claims the field used for the event wasn’t prepared to a high enough standard. With trustee liability insurance in place, the legal costs and an eventual settlement are covered.

Illness in the office

A charity’s employee becomes ill with respiratory problems and it’s discovered that cleaning products in the office aren’t being stored correctly. The employee has been on sick leave and claims negligence against the charity. The cost of defending the case and the settlement are covered through employer’s liability insurance.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your charity or not-for-profit organisation. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for charities


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These are just some of the types of business insurance for charities that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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Charity Insurance Guides, Articles & Answers


The Difference Between a Charity and Non-Profit?

Many people struggle to differentiate between the two, so here’s a quick guide on the differences and what they mean for your insurance requirements.

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The Ultimate Guide to Risk in Marketing and Communications

This guide was created with expert media law firm knowledge, find everything there is to know about managing risk in the world of marketing.

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What is Public Liability Insurance?

If you’re unsure about what public liability insurance can do for your business, you might not be properly protecting your venture. Get the information you need.

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