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Insurance for Charities and Not-for-Profits

Charity Insurance
Your organisation has a unique set of risks – get insurance designed to match.

Whether you need public liability insurance cover or a much more comprehensive policy – you only pay for the cover you need.

Get a quote

Feefo rating4.9/5 (1,183 reviews)

Charity Insurance

Our specialist charity insurance is constructed around you. Unlike off-the-shelf policies that leave gaps in your cover, we design our policies because we understand the risks you face. Insurance can be confusing, that is why our experienced advisers provide the expertise, guidance and jargon-free advice you need.

  • Tailored policies and guidance
  • Only pay for the cover you need
  • Helpful expert advisers
  • Quick and easy quote

Feefo 2021 Platinum Trusted Service AwardCII Chartered Insurance Broker

Charity Insurance

Charity Insurance
We build bespoke policies for small charities and non-profit groups, medium and large charities. Our expertise of 20+ years enables us to help hundreds of new charities each month.

What Our Clients Say

They were able to provide cover for what we needed & unlike our previous insurer we did not need to buy a policy that covered several aspects we did not need. I would recommend them.Barnet Borough Sight Impaired
Wow! What can I say; absolutely fabulous service from Access where nothing was too much trouble. Courteous, responsive and extremely quick in setting up our non-profit group’s insurance.Love to Live
We felt like lost sheep & not sure what we needed. We were very happy to be guided by their expertise. The staff were extremely helpful and very patient. We would highly recommend them. Excellent...World Medicine Charitable Trust
...it was critical that we had the right cover. Despite the lead time that was available to get the quote in, reviewed and agreed Access Insurance met this challenge head on.Doddridge Centre

Our expert advisers work with you to create policies that meet your needs. Sometimes insurance can include common cover such as our public liability insurance for charity organisations. We also provide many other policies that will protect your assets, trustees, volunteers, supporters, participants and activities properly against the risks you face.

Get Public Liability Insurance

Public Liability Insurance

Ensuring you are covered for claims as a result of injury or third-party property damage involving stakeholders is important. We can provide public liability insurance for non-profit organisations and charities to cover the risks of all your activities.

Get Employer’s Liability Insurance

Staff Liability Insurance

It’s a legal requirement to have this policy in place if you have paid staff. You must also consider your volunteers' safety and well-being. We design insurance that enables you to fulfil your duty of care for staff and volunteers.

Get Trustee Indemnity Insurance

Trustee Indemnity Insurance

Another popular cover is trustee indemnity insurance which protects people in positions of trust from claims made against them for mistakes or wrongful acts. This cover can also assist in legal costs associated with defending trustees and actions taken.

Professional Indemnity Insurance

To defend against claims for wrongful advice, errors or breach of care given for free or in exchange for payment.

Cyber Insurance

To defend against the increasing risk of cyber-attacks, breaches and claims made regarding theft or loss of data.

Property and Contents Insurance

To properly protect your premises, infrastructure and physical assets in the case of theft or damage.

and many more...

As specialist insurance brokers for charities, we can develop comprehensive policies to cover all the risks your organisation faces.

What insurance does a charity need? What kind of insurance does a nonprofit need?
What insurance do I need as a charity?

Not-for-profits and charities are diverse, so there isn't one set kind of insurance package that will work for every type of not-for-profit. Most charities will take out typical policies such as public liability and legally required policies like employer's liability (if they have employees); even then, the limits warranted on such policies will vary based on the organisation's size and risk factors. As a charity, you will benefit from implementing a risk management plan to identify, analyse and control risks. Our advisers can help you determine which risks should be insured.

Do charities need public liability insurance?
Public liability insurance is the most common policy taken out by charities and community groups but is not legally mandated. The risk severity for public liabilities such as injury or property damage is high, which means that a significantly large amount would be payable from your organisation's funds in the event of an incident without the proper insurance, which could lead to bankruptcy. Because of this, most organisations choose to transfer this risk through insurance cover. Talk to us to see what limits of public liability would work best for your charity.

Why use Access?
You'll get a policy designed for your charity and only pay for the cover you need. If you have a claim, we work on your behalf, not for the insurer. 16,000+ UK non-profits use Access. We provide hundreds of charity insurance quotes.

What cover do you offer?
We offer nearly 30 covers including employers liability, public liability, trustee indemnity, professional indemnity, assets, business interruption, cyber, vehicle and more.

How do we decide on limits of cover?
Our advisers will walk you through the factors you need to take into account to make a decision. We believe if you are going to buy insurance it’s important to buy the right levels of cover, so we’ll give you the advice you need to make an informed choice.

Is getting a quote complicated?
No. We strive to make things easy. 95% of our customers do not need to fill in proposal or renewal forms. We know that dealing with insurance for your charity can seem complicated, so your dedicated adviser will be on hand to answer any questions you have.

Should a nonprofit have insurance? Do charities need insurance?
Whether there should be any legally obligated insurance in place depends on how your charity operates and what it does. Other policies may not be compulsory but are typically chosen by not-for-profits because severe risks have been identified, meaning the damage would be too great in the event of an incident to rely on the organisation's own resources. Insurance is just one way risk can be managed and is often chosen because of the peace of mind and transfer of liability so that you’re protected. Our advisers can help you determine which risks should be insured.

Do I need an inspection?
Sometimes building surveys need to be done to obtain an accurate rebuild cost valuation which is very important when taking out property insurance to ensure you will receive fair payouts in the event of a claim. In addition, some inspections for certain liabilities may be legally required as part of taking out insurance, such as the explosion of equipment, or insisted upon by the insurer to ensure a level of trust that appropriate controls have been implemented to manage insured risks.

Access Insurance has an average rating of 4.8 stars based on 155 customer reviews at feefo