Specialist Insurance

Not-for-Profit & Charity Insurance

Comprehensive multi-cover protection for charities, NGOs, and not-for-profit organisations. From small community groups to large established charities, we arrange tailored cover to protect your mission, volunteers, beneficiaries, and assets.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Charity Insurance Cover?

Charity insurance combines multiple covers in one comprehensive policy. Typical coverage includes:

Buildings Insurance

Protection for your charity premises against fire, flood, storm, and other insured perils.

Contents & Equipment

Cover for furniture, IT equipment, office equipment, and other contents.

Public Liability

Protection if a member of the public is injured – typically £5m-£10m cover.

Volunteer Liability

Protection if a volunteer is injured while working for your charity.

Abuse & Molestation

Cover for allegations of abuse or molestation by staff or volunteers.

Trustees & Directors Liability

Personal liability protection for charity trustees and board members.

Fundraising Protection

Cover for fundraising events, collections, and charitable activities.

Professional Indemnity

Protection against claims of professional negligence in service provision.

Money Cover

Protection for cash on premises, donations, and fundraising proceeds.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Charity Sector Expertise

Over 10 years arranging insurance for charities and not-for-profit organisations.

Multi-Cover Bundle

All-in-one protection combining multiple covers designed for the sector.

Volunteer Support

Specialist cover for volunteers, including liability and accident protection.

Charity Rates

Discounted premiums available for registered charities and not-for-profit organisations.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Registered charities
Not-for-profit organisations
NGOs and community groups
Charities with volunteers
Organisations providing services
Charities running events or activities

What We'll Need for Your Quote

1
Charity registration number (if applicable)
2
Charity address and postcode
3
Type of charity and mission
4
Number of staff employed
5
Number of volunteers
6
Annual turnover or revenue
7
Services provided and beneficiaries
8
Fundraising activities and events
9
Any previous claims history

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Frequently Asked Questions

What is volunteer liability cover?

Volunteer liability protects your charity against claims from volunteers injured while working for you. This is essential for charities relying on volunteers.

Is abuse cover included?

Yes, abuse and molestation cover is typically included. It protects your charity against allegations of abuse by staff or volunteers.

Do I need trustees liability?

Yes, trustees liability is highly recommended. It protects charity trustees and board members from personal liability.

What about fundraising events?

Fundraising protection covers your charity for events, collections, and charitable activities. This includes public liability during events.

Can I get a discount as a registered charity?

Yes, registered charities typically receive discounted premiums. We will provide a tailored quote based on your charity registration.

How much public liability cover do I need?

Most charities carry £5m-£10m public liability cover. We will recommend appropriate limits based on your activities and beneficiaries.

Is business interruption cover available?

Yes, business interruption cover is available to protect your charity's income if you cannot operate due to an insured event.

What about data protection and cyber liability?

We can add cyber liability cover to protect your charity against data breaches and cyber attacks. This is increasingly important for charities.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.