How we can help your family support organisation

Family support organisations play a vital role in helping parents, carers and children navigate challenges such as illness, disability, bereavement, financial hardship, developmental needs and emotional wellbeing. 

Many groups offer practical support, peer networks, activities, advice, early intervention programmes and specialist services that make a significant difference to families facing pressure.

We understand the diverse needs of family support organisations and can design insurance that reflects the nature of your sessions, the vulnerability of the people you help and the environments in which you operate.

Who this insurance is for

We arrange cover for a wide range of organisations, including for example:

  • Cancer support groups for families
  • Long term illness and disability support services
  • Parent and carer support networks
  • Child and adolescent support groups
  • Sibling support programmes
  • Bereavement and loss support groups
  • Early years and developmental support organisations
  • Organisations providing home visits or outreach for families

Small volunteer led groups, medium sized charities, fundraising groups and larger organisations can all be covered.

Why family support organisations need insurance

Working with families, especially those experiencing stress or vulnerability, carries a range of risks. These include:

  • Injury or property damage connected to activities, meetings or events
  • Allegations made against volunteers, staff or trustees
  • Risks linked to working with children and young people
  • Home visits and outreach support that take place outside your usual premises
  • Advice or guidance that families may rely upon
  • Use of equipment such as laptops, toys, craft materials or sensory resources

Insurance provides protection and gives peace of mind to trustees, employees, volunteers and the families who rely on your support.

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What types of cover we can provide

Our advisers will discuss your work, setup, activities and recommend appropriate cover. This may include:

Public liability insurance

Essential for protecting your organisation if someone is injured or property is damaged as a result of your activities. Often required by hired premises.

Employers’ liability insurance

A legal requirement where you have paid staff. Also important where you rely on volunteers, as volunteers are often treated as employees under insurance policy wordings.

Abuse cover

Important for organisations working with children, young people or vulnerable adults, particularly where one-to-one support or home visits are provided.

Professional indemnity insurance

Protects your organisation if you provide advice, guidance or a professional service that families rely upon.

Trustee and management liability

Covers trustees and committee members against claims relating to negligence, governance or administrative errors.

Equipment and contents cover

For laptops, tablets, sensory equipment, activity materials or other items used during sessions.

Personal accident and money cover

Covers for organisations handling money or wishing to provide defined benefits after certain injuries.Cyber insurance

Useful if you hold sensitive data about children and families or operate digital systems for referrals and support.

How our advisers support you

Family support work can involve sensitive situations, varied activities and differing levels of vulnerability among participants. Our specialist advisers:

  • Take time to understand how your organisation operates and who you support
  • Identify risks that may be unique to children, young people or vulnerable families
  • Review your activities and plans such as outreach work, home visiting and one-to-one support
  • Recommend the right combination of covers so nothing essential is overlooked
  • Approach suitable insurers to obtain competitive terms for your needs
  • Provide straightforward explanations so you can make informed decisions

We aim to make arranging insurance simple, clear and personable.

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Your questions answered.

This is essential if you meet in hired venues or deliver activities that involve members of the public, such as working with children, young people or families.

We will review your outreach work and ensure your policy includes appropriate limits and cover for one-to-one support in family homes.

Volunteers are often treated as employees for insurance purposes, so employers’ liability is recommended even if you have no paid staff.

Groups working with children, young people or vulnerable adults should consider abuse cover, particularly where one-to-one activities are run.

Yes. We can arrange cover for laptops, sensory tools, educational resources and other items used in your sessions.

No. Our advisers guide you through every step and make sure the process is straightforward.