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.

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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

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