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

What Licences Does a Newsagent Need? 1000 667 James Hallam

What Licences Does a Newsagent Need?

The specific licences you need to run a newsagent will depend on whether or not you choose to sell certain…

read more
Tool Insurance: How Much Is It, and Is It Worth It? 1000 667 James Hallam

Tool Insurance: How Much Is It, and Is It Worth It?

Tool insurance is essential cover for anyone who works in construction, or any related trades. Or indeed anyone who owns…

read more
Charity Trustee Responsibilities and Duties 1000 666 James Hallam

Charity Trustee Responsibilities and Duties

UK law outlines a number of legal responsibilities and duties for charity trustees. In this post we will take a…

read more
What Boat Safety Equipment and Requirements Do I Need? 1000 667 James Hallam

What Boat Safety Equipment and Requirements Do I Need?

Whether you own and operate a boat, or you run a marina, the right safety equipment and procedures are vital…

read more
Cruise Ship Piracy: How to Prevent and Protect Vessels and Passengers 1000 660 James Hallam

Cruise Ship Piracy: How to Prevent and Protect Vessels and Passengers

  Pirate attacks on cruise ships are relatively rare, but they remain a threat no cruise ship operator should ignore.…

read more
Beach Hut Spring Clean Checklist 1000 666 James Hallam

Beach Hut Spring Clean Checklist

A good spring clean will help you get your beach hut ready for the season. It will also help you…

read more
Start Typing