Fundraising Group Insurance
Fundraising groups bring communities together and generate vital income for good causes. Many are volunteer led and run a wide range of activities, from small local collections to large public events.
Whether you are a “friends of” group, a PTA style fundraising committee, a supporter group for another charity, or an events organising group regularly arranging sponsored challenges, fetes, raffles, auctions, dinners, gala events or community collections, your activities will come with risks that need to be managed.
These risks often involve public safety at events, hiring venues, handling cash, using equipment, serving food, selling goods, or working with third party suppliers.
At Access Insurance, we arrange tailored cover for fundraising groups and charity fundraising activities, helping you protect volunteers, meet venue requirements, and run campaigns with confidence.
Insurance that fits the way you raise funds
- – Suitable cover for volunteer led groups and committees
– Clear, jargon free advice from experienced brokers
– Flexible policies that can match one off events or year round fundraising
Request a quote – it’s simpleStart your fundraising group quote
Why should we insure our fundraising group?
Fundraising activities often take place in public spaces and involve members of the public, volunteers, hired venues, and suppliers. Even a well organised event can lead to accidents, disputes or unexpected losses.
Insurance can help protect your group if:
- – A member of the public trips over a cable or gazebo rope at a fete
– A volunteer accidentally damages a hired venue or a third party’s property
– Someone is injured during a sponsored activity or community event
– You are accused of failing to manage crowd safety or supervise an activity properly
– Cash is lost or stolen during a collection, at an event, or in transit
– Equipment is damaged, lost, or stolen, including gazebos, PA systems, banners, laptops or card readers
– Bad weather or a supplier failure causes cancellation and you cannot recover costs (where insured)
Many venues, local authorities and landowners require evidence of Public Liability Insurance before allowing an event to go ahead.
We offer a complete insurance review to our clients. Being trusted advisers of over 18,000 charities and community organisations including Homeless Link members, we help you get protected properly whilst only paying for the cover you need.
See what our clients say
Fantastic customer service, brilliant.
Good friendly service and supportive of our needs.
Professional organisation that supported us with a client led insurance service.
We have always had good support from Access on many occasions and it is great having a dedicated person to speak to who understands our needs.
Quick and helpful. Took the time to understand our business.
What your fundraising group insurance can include
Cover can be tailored depending on the type of fundraising you do and how often you run events.
Common sections include:
Public Liability Insurance
Can protect your group if you are alleged to have caused injury to a third party or damaged their property during fundraising activities, events, or collections.
Employers’ Liability Insurance
May be required where you have employees. It can also be relevant depending on how volunteers are organised and supervised, and the arrangements you have in place.
Event insurance (for one off or scheduled events)
Depending on the event, cover can be arranged for risks such as event cancellation, non appearance of key participants, or specific event related liabilities.
Money cover
Useful if you handle cash, run collections, sell tickets, or take payments on the day. Cover can sometimes extend to money in transit or stored securely,.
Equipment and stock cover
If you own equipment such as gazebos, signage, tables, laptops, card machines, raffle drums, or merchandise, cover can be included for loss or damage.
Personal accident cover for volunteers
Some groups choose additional cover that provides benefits if a volunteer is injured while volunteering.
Legal expenses
Can help with certain legal disputes.
We take time to understand how you raise funds, including the activities and events you organise, volunteer roles, cash handling and third party suppliers, so your cover matches what you actually do.
Trusted by thousands of UK charities and support organisations
Access Insurance works with tens of thousands of not-for-profit organisations across the UK.
We understand the practical realities of volunteer led fundraising, and we will help you arrange cover that meets venue requirements and protects your group.
Please contact us on 0333 344 7420 to discuss your requirements
Our friendly advisers will be more than happy to review your current cover and build an insurance policy that protects you…
Your questions answered.
Often, yes.
Even small events can involve members of the public and hired venues. Public Liability Insurance is commonly requested by venues and local authorities, and it can help protect your group if you face a claim for injury or property damage linked to your event.
If you have a constitution or governing document you can purchase insurance.
We can often arrange cover for committees and supporter groups. Insurers will want to understand who you fundraise for, how funds are handled, and who is responsible for organising events.
They can be.
The insurer will need to know the route, whether roads are involved, expected numbers, stewarding, and what risk controls are in place. Some activities may need event specific cover depending on the scale and nature of the event.
Money cover can be arranged to help protect against certain losses.
Insurers typically expect sensible controls, such as two person counts, secure storage, documented handovers, and clear procedures for transporting funds.
Insurance can cover your liability risks around running events where raffles occur, but it does not replace compliance with fundraising and gambling rules.
If you run raffles, it is important to follow the relevant regulations and have clear processes for tickets, draws and prizes.
Often, yes.
The venue’s insurance usually covers the building, not your liability arising from your event. Many hire agreements require you to provide your own Public Liability Insurance.
Yes.
We can arrange annual cover for groups that fundraise throughout the year, or event specific cover for one off activities, depending on what fits your needs.
Commonly we will need to find out:
- Who the fundraising group is and who you raise funds for
- A description of your typical fundraising activities and events
- Event locations, estimated attendance and volunteer numbers
- Details of any higher risk elements (food, inflatables, live music, road closures)
- Cash handling procedures and approximate cash values held
- Equipment values if you need equipment cover
Yes but it is important to disclose and discuss such risks. We work with many insurers and it is not uncommon for inflatables to be excluded from cover. Once we understand your situation, for example whether the bouncy castle is inflated and managed by your group or a third party, we can offer appropriate advice and find a suitable charity insurance product.