Charity and Trustee Insurance

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Charity and Trustee Insurance

We have supplied dedicated insurance and risk management solutions to charities and other third sector organisations since 1982. We are an independent Lloyd’s broker, and charities and trustees across the UK trust us to deliver expert advice and market-leading solutions at a fair price.


What is charity insurance?

This is specialist insurance for charities, clubs, and other not-for-profit organisations to cover you, your employees, volunteers, and your trustees for the unique risks associated with operating in the third sector.

Get a quote

Why charities need insurance

Charities face a number of risks that other organisations may never have to contend with. These include:

  • Managing volunteers
  • Running large scale events
  • Receiving and handling donations
  • Working with vulnerable individuals, often in hazardous environments

On top of this, charities are often run by a team of trustees and a management committee. If any of these individuals are accused of mismanagement, negligence, or breach of duty, it can lead to considerable legal fees and even compensation claims. Without dedicated insurance, the charity itself may be liable for meeting these expenses.

Bespoke charity insurance can cover you for all of these risks, along with the more everyday risks that would be covered by a standard business insurance policy.

What does charity insurance cover?

Core areas of cover can include:

  • Public liability insurance
  • Trustee and senior manager liability insurance
  • Employer’s liability insurance
  • Contents and equipment insurance
  • Buildings insurance
  • Personal accident insurance
  • Cyber insurance

Do charities need public liability insurance?

While it is not a legal requirement, all charities should consider investing in public liability insurance.

Charities often work closely with members of the public, whether through running collections, putting on events, delivering services, or managing community programmes. Public liability insurance can provide essential cover should any member of public experience an accident or an injury as a result of the charity’s activities.

On top of this, charities have a legal requirement to get employer’s liability insurance. This will cover your volunteers and your paid staff for any accidents or injuries they may experience while working or volunteering for the charity.

Why choose James Hallam for your charity insurance?

We will take the time to get to know your charity, the people you work with, and the people you support. Once we fully understand your operations, we can help you access the specialist insurance you need to cover all of your requirements, at the right price.

We are here to help you.
Call us on 0330 024 0755  or email enterprisenb@jameshallam.co.uk

Other business solutions

Corporate

Event Sector

Healthcare & Protection

Hospitality & Travel

International Business

Local Council

Marine

ProMed

Professional Risks

Public Sector

Real Estate & Construction

Risk Management

SME

Vehicle Dismantlers

Latest Insights

DMCC New Automatic Subscription Renewal Rules 1000 667 James Hallam

DMCC New Automatic Subscription Renewal Rules

Do you offer subscriptions or memberships as part of your business? If so, you may be aware of new laws…

read more
Office Fire Risk Assessments: What To Include 1000 723 James Hallam

Office Fire Risk Assessments: What To Include

According to The Regulatory Reform (Fire Safety) Order 2005 (RRO), employers have a legal duty to ensure fire risk assessments…

read more
How Many Trustees Does a Charity Need and How Long Should They Serve? 1000 667 James Hallam

How Many Trustees Does a Charity Need and How Long Should They Serve?

We recently published a guide to the legal responsibilities and duties of charity trustees. In this post, we will examine…

read more
How Much is Beauty Therapist Insurance? 1000 667 James Hallam

How Much is Beauty Therapist Insurance?

Specialist insurance can cover beauticians, makeup artists, nail technicians, hairdressers, and other professionals from the unique risks associated with providing…

read more
What Insurance Do I Need for an Airbnb? 1000 665 James Hallam

What Insurance Do I Need for an Airbnb?

You will need specialist host liability insurance if you want to let out your property on Airbnb. In this post,…

read more
What is Social Engineering in Cyber Security? And How To Protect From It 1000 653 James Hallam

What is Social Engineering in Cyber Security? And How To Protect From It

In this post we will explain how social engineering attacks work, and discuss how you can protect your systems against…

read more
Start Typing