Social Enterprise Insurance
Running a social enterprise comes with unique responsibilities. Whether you are a start-up CIC or a long-established trading organisation, the right insurance ensures you can continue your mission without unexpected setbacks.
Our advisers specialise in arranging insurance for social enterprises, ensuring you only pay for the cover you need.
- Tailored policies: to match your organisation’s risks.
- Cost-effective cover: you only pay for the protection you need.
- Experienced brokers: who understand the third sector.
- Feefo Platinum Award: demonstrating our commitment to excellent service.
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What insurance does a social enterprise need?
The cover you require will depend on your activities, assets and people. Common types of cover for social enterprises include:
Public liability insurance
Protects your organisation if a member of the public, client, or beneficiary is injured or their property damaged during your activities.
Employers’ liability insurance
A legal requirement if you employ staff, and highly recommended if you have volunteers. Covers injury or illness sustained while working for your organisation.
Directors’ and officers’ insurance
Protects directors, trustees and senior managers against claims relating to the breach of duty or negligence in decisions they make in running the organisation.
Professional indemnity insurance
Covers claims arising from advice, training or services that result in financial loss to a third party.
Property and business interruption insurance
Protects your buildings, equipment and contents against fire, flood and theft. Business interruption helps cover loss of income and extra costs if you cannot trade following an incident.
Cyber insurance
Provides protection if your systems are compromised by a data breach or cyber-attack, including data recovery and PR costs.
Event insurance
Cover for exhibitions, conferences or fundraising events organised by your social enterprise.
Motor and fleet insurance
If your organisation owns or operates a minibus or multiple vehicles. We can cover multiple vehicles under one policy.
See what our clients say
You clearly understood our needs and the service we received was very friendly, clear and thorough. I can truly say that in comparison to other companies I found your service exceptional.
Very helpful & customer focussed. Gave time to explain & find the best fitting policy & to look at the detail of specific our circumstances / needs. Responded promptly & efficiently.
Why choose us?
- Third sector specialists: we advise hundreds of social enterprises, CICs and community businesses across the UK.
- Tailored advice: no generic packages, we build cover around your organisation’s needs.
- Cost-effective policies: ensuring you only pay for the cover you need.
- Trusted nationwide: with a 4.8/5 Feefo rating and Platinum Service Award.
- Part of the Benefact Group: a group of financial services companies that gives all available profits back to charity and good causes.
Get a Social Enterprise Quote
If you need help understanding the risks you face and the types of 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.
Your questions answered.
Yes, if you employ staff you must hold employers’ liability insurance. Motor insurance is also a legal requirement if you own or operate vehicles. Other types of cover are not always mandatory by law, but may be required by another party, or be advisable considering your activities and assets.
Premiums vary depending on the size of your organisation, the services you provide and the risks involved. Our advisers will help you arrange a cost-effective policy based on your needs.
Yes. Employers’ liability policies arranged for social enterprises usually include cover for volunteers.
Business interruption insurance can help protect your income if your premises are damaged or you cannot trade due to an insured incident. This can be vital cover for a social enterprise as you seek to generate profit to be put to use in positive ways.
They cover different risks. Public liability relates to injury or damage to third parties, while professional indemnity relates to advice, services or guidance that someone may claim has caused financial loss. Sometimes social enterprises may need both.