Charities Employers Liability Insurance
Our insurance brokers are experts at advising charities and arranging charity employers liability insurance.
Each charity we help has different needs. We’ll ensure you get the right cover quickly & easily.
Our charity employers liability insurance packages are designed to provide employers liability and other optional covers for the activities of charities and non profit organisations.
Key benefits:
- Get free advice & a no obligation quote over the phone
- No proposal forms to fill in
- Cover for staff, trustees & volunteers
- Optional covers available so your group has the insurance you need
- Affordable policies (from £60/year)
Employers’ Liability vs. Public Liability: What Your Charity Needs
While both policies protect your charity from liability claims, they cover risks from two entirely different groups:
- Employers’ Liability: covers claims made by your internal team (staff and volunteers) for injury or illness they sustain as a result of their work for you.
- Public Liability: covers claims made by third parties (like service users, members of the public, or venue owners) for injury or property damage caused by your charity’s activities.
Because you have a duty of care to both your team and the public, many charities require both policies as part of their insurance programme. Our charity-specialist brokers are experts in arranging comprehensive Public and Employers’ Liability insurance.
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How can we help you?
If you need help determining whether you need charity employers liability insurance, please contact us on 020 8651 7420. Our specialist team of advisers are here to help you from a simple question to advice on a more complex range of covers.
Legally you must purchase employers liability insurance if you have paid employees.
See 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.
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…
…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.
Other considerations:
- You owe your volunteers a duty of care under health and safety laws
- Charities can be, and are, sued where a volunteer is injured because of your negligence
- In the absence of charity employers liability insurance the cost of the claim may need to be met by the organisation, its trustees or committee members.
Covering Volunteers: Your Duty of Care
While the law only compels you to have Employers’ Liability insurance for paid staff, your duty of care extends to everyone working on your behalf, including volunteers. UK health and safety law requires you to protect them from harm.
For this reason, we ensure our charity employers’ liability insurance policies include cover for volunteers. This protects your organisation from potentially costly claims if a volunteer is injured due to your charity’s negligence and ensures you are fulfilling your moral and legal responsibilities.
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Your questions answered.
If you have paid employees and do not have the legally required cover, you can be fined up to £2,500 for every day you are uninsured.
Furthermore, if an employee is injured and makes a claim, the legal fees and compensation costs would have to be paid directly by the charity, potentially putting its finances and potentially, the personal assets of trustees at risk.