insurance for
non-profit organisations

Non-profit organisations have unique insurance needs due to the various activities, services, and events they offer to the community.

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  • We can evaluate your current covers and policy limits
  • Recommend covers to adequately protect your business
  • Compare quotes from multiple insurance companies
  • Advice on cost-saving strategies
  • Provide ongoing support

VARIETY OF BUSINESSES WE CAN PROTECT:

  • Charities: Registered charities, including those focused on areas like healthcare, education, poverty alleviation, and environmental conservation. This can include both large national charities and smaller local charities.
  • Social Enterprises: Social enterprises that operate with a primary focus on achieving social or environmental goals, rather than generating profits. This may include organisations involved in fair trade, sustainable agriculture, or community development.
  • Non-Governmental Organisations (NGOs): NGOs engaged in various humanitarian, development, or advocacy work often require specialised insurance to protect their assets, employees, and volunteers. This can include organisations addressing issues such as human rights, disaster relief, and healthcare.
  • Religious Organisations: Churches, synagogues, mosques, and other religious institutions that operate as non-profits may need insurance to cover their property, liability, and other risks associated with their activities and premises.
  • Community Groups: Small community-based organisations, neighbourhood associations, and community centres that serve the public interest can also seek non-profit insurance. This cover may include protection for events, property, and liability.
  • Educational Institutions: Non-profit schools, colleges, and universities can obtain insurance tailored to their unique needs, such as cover for educational programs, student activities, and liability associated with campus operations.
  • Arts and Cultural Organizations: Museums, theatres, art galleries, and cultural institutions that operate as non-profits often require insurance for their collections, exhibitions, events, and facilities.
  • Environmental and Conservation Groups: Non-profit organisations dedicated to preserving and protecting the environment, wildlife, and natural resources may need insurance to cover conservation efforts, land management, and educational programs.
  • Sports and Recreation Clubs: Non-profit sports clubs, youth organisations, and recreational groups may seek insurance to cover participants, events, and facilities.
  • Volunteer Organisations: Organisations that rely on volunteers for their operations, such as volunteer fire departments or volunteer search and rescue teams, can benefit from insurance that covers both volunteers and the organisation itself.

insurance options for non-profit organisations:

Public Liability Insurance

Provides cover for bodily injury, property damage, or personal injury claims arising from activities, events, or premises. It protects against lawsuits from visitors, participants, or vendors who may allege negligence or accidents on the premises.

Property Insurance

Property insurance covers damage or loss to the buildings, equipment, furniture, and other physical assets. It can protect against risks like fire, theft, vandalism, or natural disasters. Ensure that the policy covers all necessary property and consider coverage for specialised equipment or valuable items.

Event Insurance

Non-profit organisation often host events such as fundraisers, workshops, concerts, or sports activities. Event insurance provides cover for potential liabilities, accidents, property damage, or event cancellations. It may also include coverage for event organisers and volunteers.

Directors and Officers Liability Insurance

This insurance protects the community center’s board members, directors, and officers from legal claims alleging wrongful acts, errors, or omissions in their management decisions or actions. It covers defense costs, settlements, or judgments arising from these claims.

Employers liability insurance

If the community centre or other non- profit organisation employs staff or has volunteers, this type of insurance is typically required by law. It provides cover for work-related injuries or illnesses suffered by employees or volunteers and covers medical expenses, lost wages, and rehabilitation costs.

Professional indemnity Insurance

If the non-profit organisations offer professional services or advice, such as counselling, education programs, or recreational instruction, professional indemnity insurance (also known as errors and omissions insurance) may be necessary. It protects against claims of negligence, errors, or omissions in the provision of these services.

Cyber Liability Insurance

If organisation is handling sensitive data, including personal information of members or participants. Cyber liability insurance safeguards against data breaches, cyber attacks, or other cyber security incidents. It helps cover costs associated with data recovery, legal fees, notification to affected parties, and potential liability claims.

Legal Expenses Insurance

Provides coverage for legal costs in case of disputes or legal issues.

Your insurance needs may vary depending on your trade, business structure, and location.
Contact us to assess your needs and we will find suitable coverage options for your business.

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