As with any business, charities face risks and it is the duty of the trustees to protect their assets and resources by arranging appropriate insurance, providing cover against loss, damage or liability.

The majority of charities are not financially secure enough to stand the cost of paying damages awarded against them in the event of a claim, which is why it is so important to have the correct level of cover in place. Typical scenarios include a member of the public or volunteer injuring themselves at a fundraising event or an allegation of wrongdoing made against a charity trustee.

As well as buildings, contents and events insurance, we advise charities to consider a range of additional covers. Professional liability will cover the cost of defending your charity against allegations of professional negligence, such as giving poor or incorrect advice to a user of your services, unintentional breach of confidentiality or copyright, defamation or libel, loss of documents or data and loss of money or goods for which you are responsible. Public and product liability covers the cost of defending your charity if a third party is injured or their property damaged as a result of your negligence.

We will be happy to discuss your insurance requirements and carry out a risk assessment to ensure we arrange the correct level of cover for your needs.