Our Charity Buildings Insurance
Our insurance advisers are experts at arranging charity buildings insurance cover for premises such as charity shops, youth and community venues, day centres, offices, schools, museums and hostels.
As Chartered Insurance Brokers we pride ourselves on working with insurers who will respond quickly and efficiently in the event of a loss. Whether you occupy the buildings yourself, or they are rented out, we can help you to obtain a quality policy from a reliable insurer.
Request a quote – it’s simpleStart today
Or Call 020 8651 7420
A key issue is to ensure that the sum insured reflects the cost of rebuilding or re-instating the building should it be totally destroyed by an insured event such as fire, explosion or earthquake. This, more often than not, will not be reflected in the valuation or purchase price of the building if it were to be sold.
See what our clients say
…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.
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.
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.
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…
How can we help you?
We design specific policies, whether you require charity shop insurance or protection for your premises, property or contents – we will help you ensure that you have the cover you need.
- Free advice & no obligation quote over the phone
- Quick turnaround on written quotes and issuing policy documents
- Wide cover available with competitive premiums
- Loss of rent / alternative accommodation cover for rehousing residential tenants
- Legal Expenses with a 24 hour helpline
- Engineering cover for lifts and commercial boilers
- Risk management support
We arrange buildings and contents insurance for charities that covers a wide range of charity buildings including youth & community venues, shops, day centres, churches, offices, schools, museums and hostels. As we create a bespoke insurance programme at a competitive price, we can help your charity with all types of insurance depending on your activities and risks.
For example, if you run a charity shop or network of charity retail outlets, we not only help you with covering the risk of damage to the premises but can arrange typical charity shop covers such as stock and contents, business interruption, money cover and goods in transit as well as anything from employer’s liability to professional indemnity cover.
How much property insurance do you need?
When it comes to arranging buildings insurance it’s important to make sure you are not underinsured. When asked for the building sum insured, you should state the amount it would cost to rebuild the property from scratch. The video below helpfully explains your responsibilities here.
We have partnered with Rebuild Cost Assessment Ltd so we can arrange a professional rebuild cost assessment for our clients at a discounted price.
Request a quote – it’s simpleStart today
or call 020 8651 7420
FAQs
If your charity rents its premises, you may not need full buildings cover, but you should check your lease carefully.
In some cases, tenants are still responsible for part or all of the building’s insurance.
We can help you review this and arrange appropriate cover.
Not as standard, though they are often taken out together.
Buildings insurance protects the structure itself, like walls, roof and permanent fixtures.
If you also need cover for items like office equipment, furniture or stock, we can bundle this with charity contents insurance under one policy.
Some insurers take different views on where materials like carpets should be insured.
This is why advice around your specific needs is important.
Yes, older or listed buildings often require specialist cover and this is certainly something that needs to be disclosed to an insurer.
Rebuilding costs can be higher, and repairs may need traditional materials or specialist trades.
We’ve helped our clients protect heritage charity properties and can advise on the best approach.
Many insurers will not want to insure a property that is unoccupied at the outset of a policy.
If you have a charity buildings insurance policy and during the policy, the property becomes unoccupied, (typically empty for an extended period over 30 days), your existing policy will likely have special terms that apply and may restrict cover and require you to meet certain risk controls.
If your premises are vacant or partially used, let us know, we can arrange appropriate cover with the right protections.
Buildings insurance protects against the cost of repairing or rebuilding a building an organisation is responsible for if it is damaged or destroyed.
Most building insurance policies cover damage resulting from; burst pipes & leaks, falling trees, theft, fire, flood, storm damage and subsidence.