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 £6/month for £1,000,000 of cover)

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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.

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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.

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Your questions answered.

Having employer’s liability insurance is compulsory by law if you have paid staff with a minimum level of £5m cover. Although it is not mandatory for volunteers, charities still face liabilities for sickness and harm caused to volunteers. Many charities, therefore, choose to transfer this risk through insurance. We can help you get protected against the risks you and your volunteers face.

Yes, though you are only obligated by law to do so if you have staff or employees on payroll and must cover to a level of £5m for sickness and injury caused to employees while undertaking duties.

This policy will cover legal expenses and settle claims against an organisation by an employee for work-related injuries or damage.

Volunteers don’t usually have a contract, so a volunteer’s rights will not be the same as employees. However, as the Charity Commission advises. Charities have a responsibility to ensure adequate training and controls are put in place to protect volunteers from risks.