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Charities Insurance

The charity sector encompasses formal charities and ‘not-for-profit’ organisations like CICs and CIOs. Insurance covers public liability, employers’ liability, trustee indemnity, business interruption, legal costs, property damage, money and crime, cyber risks, and fleet. Each policy is tailored to specific needs.

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Charity, Club and Not-for-Profit Insurance Cover

The charity sector is not just limited to formal registered charities, but can include all forms of ‘not for profit’ organisations, including the new CICs (Community interest companies) and CIOs (Cahraitable incorporated organisations)

Activities

Activities can range from a local interest group through to national organisations, and can include charities in the health, social-care and children’s’ sectors.

Typical activities would include:

  • Office and administration work
  • Organising and attending events, shows, conferences and seminars and the like
  • The offer of facilities to third-party community groups and other organisations
  • The sale of goods, perhaps charity goods, in a retail shop environment for example
  • Fund raising activities and events of all kinds with associated transport
  • Collaboration with local authorities, NHS and other interest groups
  • Management of property, often including listed buildings

 

Typical Charities Insurance Programme

 Public and Products Liability
Ensures you’re covered for claims made by a member of the public due to injury or third-party property damage as a result of the charity’s activities.
 Employers’ Liability
Safeguard your business against employee claims, including legal and compensation expenses.
If you have paid staff, it’s a legal requirement to have this cover in place, but this coverage extends to include volunteers too.
 Trustee and Charitable Entity Indemnity 
Financially protects trustees or board members if a claim is made against them or the charity itself as a legal entity.
 Business Interruption 
Cover for loss of charity revenues if your charity cannot operate for a reason insured on your policy.
 Legal cover
Provides cover for legal costs due to a dispute, including a 24-hour legal advice helpline.
 Property damage
Damage to buildings, contents, stock, computer equipment and tenant improvements (structural and cosmetic improvements made to the building by your charity and not covered by the landlord’s insurance).
 Money
Credit and debit card fraud, identity theft following the fraudulent use of business identity, auditors fees and rewriting of systems records.

Crime

Loss of funds through employee dishonesty, internal and external fraud including cyber-crime fraud.

Cyber

The sectors’ reliance on social-media and client e-databases means firms in this sector are at huge risk from not only loss of GDPR controlled data but from criminal hacking and extortion/ransomware events, where data can be withheld without with the charity may lose supporters.

Fleet

Many firms rely on vehicles whether it be transport for employees or coaches/mini-buses for employees and supporters

Protects against allegations of negligence following the provision of advice, design, certification and other professional services including medical malpractice – generally defence costs and compensation.

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Defence costs against allegations of wrongdoing against individual directors’ & officers’ (and other senior staff) known as ‘D&O’, against the legal entity itself known as Corporate Liability; and defence costs and compensation payments in relation to employment disputes known as Employment Practices Liability.

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Protection against losses following cyber-attacks (ransomware, hacking attacks, reinstatement of systems and data), defence costs & fines (in some circumstances) in relation to GDPR & Privacy issues; loss of gross profit, PR costs and the like.

 

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Mike Watkinson Dip CII | Account Manager
Mike Watkinson Dip CII
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