How can I reduce the risk of a claim against me as a contractor?

There are several things a contractor might do to reduce the risk of facing claims, such as checking contracts carefully prior to signing. Keeping copies could also be smart. Clear communication may also help, including setting deliverables and timelines. Even simple steps, such as obtaining email confirmation, could protect you down the line.

Do I need proof of insurance to work as a contractor?

Proof of insurance is not necessarily essential for contractors since the law doesn’t stipulate rules for most types of cover. However, some clients may request proof that you’re fully insured, and this could even be specified in a contract.

Do I need insurance before starting work as a contractor?

In business, things can go wrong at any time, so getting insurance before you start trading may provide welcome protection. If you’re still very much in the planning stage, then it might be beneficial to start some conversations before you lay down the paperwork.

Insurance for Charities and Non-Profit Organisations

Charities and non-profit organisations face unique risks in their daily operations, such as managing volunteers, handling donations, and organising public events. These activities can create legal and financial responsibilities similar to those of commercial businesses.

At Hiscox, we offer tailored insurance solutions that may protect your organisation against the financial impact of these risks.

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Tell us about your business. We can help you to build a tailored quote online, or by phone or email.

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Charities that Hiscox covers

At Hiscox, we can offer cover whether you’re a charity or a not-for-profit organisation.

Many use the terms ‘charity’ and ‘not-for-profit organisation’ interchangeably, but there are key differences between them.¹ (external link) Charities are a type of not-for-profit, but not every not-for-profit is a charity. While both operate without aiming to make a profit, their legal status, responsibilities, and the types of cover they may require can vary.

Charities

A charity is an organisation that is established for charitable purposes and provides a public benefit.² (external link) Registered charities typically have specific regulatory obligations, such as filing annual returns with the Charity Commission (external link), and may require specialised cover, such as trustees and individual liability insurance, to protect against legal and financial risks.

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Not-for-profit organisations

Not-for-profit organisations include a wider range of groups – such as community groups and other mission-driven entities – that don’t meet the legal criteria for charity status (external link) but may need similar protection.

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Key insurance products for charities and non-profits

Different situations require specific insurance types. The cover your organisation may need depends on factors such as whether you employ staff, work with volunteers, or host public events. Our Hiscox experts can help assess your specific requirements.

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Insurance for Charities and Non-Profit Organisations

Charities that Hiscox covers

Charities

Not-for-profit organisations

Key insurance products for charities and non-profits

References

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