How can we help?
Our expert brokers specialise in arranging cover for local recycling projects, repair cafes and environmental action groups. We provide cover for non profit groups involved in repair and recycling, we do not provide cover for industrial recycling plants.
- Tailored policies designed for recycling community groups
- Only pay for the protection your group needs
- Clear advice from brokers who understand how voluntary groups operate
Request a quote – it’s simpleStart today
Insurance Built for Recycling Initiatives
No two environmental action groups are exactly alike. We take the time to understand your specific activities to arrange the cover you need.
- Get expert advice over the phone and a no obligation quote
- Straightforward process with no complicated forms
- Cover for tools, shared equipment and upcycled goods
- Policies designed for community groups
- Access are part of a Group that takes climate responsibility and action seriously
Covering Your Core Activities
Whether your group operates from a fixed premises or works out in the community, we offer protection for:
- Furniture Recycling Charities – Including retail, warehouse and delivery and collection activities
- Litter Picks and Cleanups: Keeping volunteers and the public safe during outdoor collection events.
- Repair Cafes and Workshops: Covering the use of premises, tools and machinery for upcycling or mending donated items.
- Trustee and Committee Liability: Safeguarding the individuals who manage your voluntary environmental action group.
See what they 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.
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…
Very responsive and answered questions politely and fully. Also very competitive pricing-important for a voluntary organisation!
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.
What types of cover do we provide
Our expert advisers work with you to create policies that meet your needs. Sometimes insurance can include common cover such as our public liability insurance for charity organisations. We also provide many other policies that will protect your assets, trustees, volunteers, supporters, participants and activities properly against the risks you face.
Public Liability Insurance
Public liability insurance for charities, sometimes referred to as charity liability insurance, ensures you are covered for claims as a result of injury or third-party property damage involving members of the public or other third parties, such as volunteers, due to your charity’s activities. We can provide charity public liability insurance for non-profit organisations and charities to cover these risks.
Staff Liability Insurance
It’s a legal requirement to have this policy in place if you have paid staff. You must also consider your volunteers’ safety and well-being. We design insurance that enables you to fulfil your duty of care for staff and volunteers.
Trustee Indemnity Insurance
Another popular cover is trustee indemnity insurance which protects people in positions of trust from claims made against them for mistakes or wrongful acts. This cover can also assist in legal costs associated with defending trustees and actions taken.
Professional Indemnity Insurance
To defend against claims for wrongful advice, errors or breach of care given for free or in exchange for payment.
Property and Contents Insurance
To properly protect your charity’s premises, infrastructure and physical assets in the case of theft or damage.
Cyber Insurance
To defend against the increasing risk of cyber-attacks, breaches and claims made regarding theft or loss of data.
and many more…
As specialist insurance brokers for charities, we can develop comprehensive policies to cover all the risks your organisation faces.
Why partner with Access?
We have extensive experience supporting not-for-profit organisations. From local environment projects to large scale climate action charities, we understand the specific challenges faced by your trustees and volunteers.
We are proudly part of the Benefact Group – a group that cares about doing business responsibly, which means doing our part for the planet. See more details on our climate impact on our Group’s page.
If you need guidance on managing your risks and choosing the right insurance, please call us on 0333 344 7420. Our specialist team is ready to help you with everything from a quick query to arranging comprehensive cover.
Your questions answered.
If your group has volunteers to do community cleanups, we can arrange employers’ liability insurance. This protects them if they suffer an injury, such as a cut from sharp debris, while working on your behalf.
Yes, it can, but cover varies between insurers. Many standard policies exclude activities involving the use of power tools, machinery, or the sale of recycled or repaired items. Because of this, good risk management is essential to help protect both your volunteers and members of the public when carrying out repair or reuse activities.
We work with specialist insurers who understand community groups such as Men’s Sheds, recycling groups, and repair cafés. These insurers can often provide tailored cover or add specific endorsements so your policy better reflects the activities you undertake.
We should also consider whether your group repairs white goods, this can significantly increase your risk profile and is something to definitely discuss with insurers.
Public liability insurance protects your group if a member of the public is injured during your event, or if their property is accidentally damaged.
If you plan to sell recycled or repaired items, you should also consider product liability insurance. This covers claims arising from goods you have supplied, although it may include restrictions depending on the type of products you sell.
Yes. We can provide cover for your group’s tools, machinery and collected materials against theft, loss or accidental damage, whether they are kept in storage or actively in use.
Without the right cover, committee members can be held personally responsible for legal claims made against the group. Trustee liability insurance protects them and your group if allegations are made of wrongful acts or management errors.
If your group repairs, refurbishes, or redistributes items such as electrical goods or furniture, product liability insurance is strongly recommended. It protects your organisation if a repaired or donated item later causes injury or damage.
For example, if a repaired appliance develops a fault or a refurbished piece of furniture fails and causes harm, a claim could be made against your group. Product liability cover can help with legal costs and compensation in these situations.
We can arrange cover that reflects the type of items you work with, the checks you carry out, and how items are passed on to others, helping ensure you are protected without paying for unnecessary cover.
In most cases, standard public liability insurance does not cover damage to items you are actively working on. This is often referred to as a “goods worked on” exclusion.
For example, if a volunteer accidentally damages a piece of furniture or an electrical item while repairing it, the cost of that damage will not usually be covered under a standard policy.
Because of this, it is important to think carefully about the type and value of items your group is willing to handle. Some groups choose to set clear limits, for example avoiding high-value or specialist items, or making it clear that repairs are carried out at the owner’s risk.