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.
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.
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.Build my cover
Key types of insurance for charities
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.Get your quote
Charity Insurance Guides, Articles & Answers
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What is Public Liability Insurance?
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