Business insurance for Not-for-profit organisations

If you’re running a not-for-profit organisation, insurance can help to manage the unexpected. While your work is all about the greater good, risks could arise at any time. A volunteer or service user might suffer an injury in the field, for example. Or a trustee may be accused of a wrongful act. Public liability insurance for not-for-profit organisations is among the covers that could help protect you against unexpected claims.


Online quote in 5 minutes

Get a quote


Why choose Hiscox for your not-for-profit insurance?


Public liability insurance from £5.20 a month*For a not-for-profit organisation, we know every penny counts. Our flexible insurance starts at just £5.20 so you can put more of your money where it matters.

*Figures based on an average of all public liability policies sold to at least 10% of our customer base between January 2023 and January 2024


Truly tailored insurance

We recognise that insurance isn’t ‘one size fits all’, especially if you work in the charity sector. Tell us about your business, and we’ll build your personalised policy.


Speak to specialists who understand you

Whether you’re a charity start-up or an established community organisation, our claims team is here to help you return to your everyday. 



Get a quote for your business in minutes

Tell us about your business – we’ll help you to build your quote and explore your insurance needs.

Get a quote

Why do not-for-profit organisations need insurance?

An injury at your non-profit club

In the field or in the office, there’s always a risk that a member of the public could be injured, whether your organisation is at fault or not. For example, a visitor to one of your village fairs may trip and fall over a tent wire, causing a sprained ankle. They decide to make a claim against you, which may cost you time, money and possibly the good reputation your charity has earned.

Public liability insurance for not-for-profit organisations can cover you for legal claims made by members of the public. So you can enjoy your events without worry.

Complaints against trustees

You might be challenged on the work you deliver – it could be that one of your trustees makes a mistake or provides incorrect advice. In this case, a service user might report a breach of duty or even negligence. No matter who’s at fault, if someone brings a claim against your non-profit organisation, trustee liability insurance can help protect you against these claims.

Trustee liability is specially tailored to cover you if you oversee any non-profit group – you might be a trustee, director, governor, committee member or an officer. 

An overnight theft

You run a successful debt helpline and spend your days helping people out of tricky situations. But you never expected to be in one yourself. One morning, you open the office to find there’s been a break-in, and a lot of valuable electrical equipment is gone. Because of this, you may have to delay or cancel appointments, which could cost you money and your reputation.

If your not-for-profit group has comprehensive contents insurance in place, it could help to cover the costs of repairs or replacements and get you back on track.

What insurance is available for not-for-profit organisations?

At Hiscox, we can insure a wide range of not-for-profit and non-profit organisations. However, the exact insurance available to your organisation will depend on your niche. If you have any questions about what cover may be best for you, please give us a call.

As a not-for-profit organisation, further insurance types could help you keep the wheels turning. For example, business contents insurance, portable equipment insurance, equipment breakdown insurance, professional indemnity insurance, cyber insurance and legal protection insurance could all help you stay on track should issues arise.

Good website and friendly, helpful agent on the phone when I had a query.
Richard, Leeds
Read all reviews
Get your business insurance quote in minutes.

These are just some of the types of insurance for not-for-profit organisations we offer. Tell us more about what you do and we can build a policy that’s tailored to the needs of your business.

Build my cover

Insurance for not-for-profit organisations: FAQs

Do not-for-profits need public liability insurance?

Not-for-profits can face similar risks to limited companies, depending on how your organisation works. If this is the case, you might feel public liability insurance for non-profit organisations could be worthwhile to help with public liability claims made against you. This type of cover can be especially relevant if you frequently work with or around the public. However, public liability isn’t a legal requirement, unlike employers’ liability, which usually is.

What’s the difference between management liability and professional indemnity insurance?

For non-profit organisations, management liability insurance (otherwise known as trustee liability insurance) helps to protect people with responsibility from claims made against them. For example, if trustees, managers and directors breach their responsibilities or offer poor advice. Professional indemnity insurance protects against the same claims when they’re made against your organisation as a whole.