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Charity Public Liability Insurance

Each charity we help has different needs. We’ll ensure you get the right cover quickly & easily.

Get a Public Liability Insurance Quote »

or Call us on 020 8651 7420

Key benefits:

  • Get free advice & a no obligation quote over the phone
  • No proposal forms to fill in
  • Varying limits of public liability cover available, from £1 to £10 million
  • Optional covers available so your group has the insurance you need
  • Affordable policies (from £6/month for £1,000,000 of cover)

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 charity public liability insurance packages are designed to provide public liability and other optional covers for the activities of charities and non-profit organisations, whether at owned or rented premises, or away from them.

If you need help determining the amount of charity public liability insurance cover you require, 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.

Get a Public Liability Insurance Quote

or Call us on 020 8651 7420

What happens if you have no public liability insurance?
If you have no public liability insurance, it means that you bear that liability and, therefore, will pay any claims made against you for third-party property damage or injury as well as incur any legal costs out of your own resources.

Is it a legal requirement to have public liability insurance?
Are UK registered charities required to have public liability insurance?

No, it is not, though many choose to transfer the risks of third-party injuries or property damage through insurance as the cost of compensation claims and legal action would be far beyond a small organisation or group's means.

Why do I need public liability insurance?
It's not compulsory to have a public liability insurance policy. However, the risk is severe, which means there would be a high cost to cover for claims payouts; therefore, the risk is transferred through insurance to pay a much smaller amount. Public liability insurance covers third-party injury and damage to third-party property.

How much public liability insurance do you need?
It depends on the risk exposure, the types of activities carried out, the size of your organisation, and third-party premises you may use. However, a limit should be based on what a compensation claim would cost to settle. Levels of cover available are £1m, £2m, £5m and £10m.

Does public liability insurance cover employees?
Not exactly. Employers liability policies are taken out to cover employees because it is a legal requirement, something the Charities Commission. Public liability covers third party property damage and injury to third parties. Sometimes insurers package different liability policies together for a particular customer profile. We understand the uniqueness of our customers, so we help you choose the right policies; therefore, you only pay for the cover you need.

Access Insurance has an average rating of 4.8 stars based on 154 customer reviews at feefo