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It's vital that charities work with a broker who has a genuine understanding of the way charitable organisations operate, their activities, and the risks they face so that they receive well-informed advice and the right protection.
As a specialist charity insurance broker, we know the way charities and not-for-profit organisations operate, making us the perfect choice to arrange your organisation’s insurance. We offer wide-ranging charity insurance policies at affordable prices, and make sure your charity takes out the right cover for the risks it may face.
Unity offers a detailed picture of your organisation’s threats and risks and advice on how to address them through risk management practices . We work with market leading insurers in the not-for-profit sector and specialist charity underwriters who provide great flexibility for our customers.
With all of this in mind, we’d prefer to say we’re not just an insurance broker; we’re your insurance partner.
(based on 299 replies to our survey from April to December 2020).
Find out how your insurance may be affected by the Coronavirus pandemic.
Find out more about some of the covers we can arrange for your charity either as a package insurance policy or stand alone policies.
If your organisation suffered a serious loss such as major damage to its buildings or a large claim, which wasn’t insured, you’d have to cover the loss from your own funds.
This could have a devastating effect on your organisation. In the worst cases, you may have to close, cut back or stop your core activities. The loss may not only be the cost of replacing physical assets such as buildings and equipment, but also the loss of income while these are replaced. It could also be the cost of medical expenses following an accident. The costs of claims made against your organisation could be damaging, both in terms of finance and reputation.
Risk management can identify the risks associated with your operation, and how they can be managed. But risk assessment alone only goes so far. You can minimise the risks, but in some cases you don’t want to or can’t eliminate the risk completely, e.g. outdoor residential courses to develop young people’s skills and confidence or family hosting schemes. Unfortunately, some threats to your organisation are outside your control.
Insurance can mitigate those risks you cannot completely control or remove. Insurance safeguards individuals, organisations and/or their property against the risk of loss, damage or theft, accidents or liability claims.
Some types of insurance cover are required by law. If you employ people or own motor vehicles or a minibus, you must take out the necessary insurance.
Just like running your own car, motor insurance for charities is a legal necessity. Every organisation that owns, leases or uses vehicles must have a minimum of third party cover.
In addition, anyone who is an employer must have Employers’ Liability insurance to cover a claim for injury to an employee.
With an overwhelming array of insurance products on the market, how do you get the right policy at the right price?
Asking yourselves the following questions should help you narrow down what you need and avoid unnecessary costs.
Some cover is required by law. Firstly, if your charity employs people, you must have Employers’ Liability Insurance. Secondly, if your charity owns, loans or rents vehicles, you must have motor insurance.
Each charity has unique insurance needs according to their activities and assets. Think about what could go wrong and where. A thorough risk assessment of your charitable organisation should highlight the risks it faces.
Your organisation could be exposed to compensation claims and, in an increasingly litigious society, you can never be too careful. Public Liability Insurance can cover many risks involving members of the public, such as harm caused by the actions or negligence of your staff or volunteers. If you give advice or training, Professional Indemnity Insurance covers you if your services result in some financial loss or other grievance.
If a serious disaster strikes and your charity’s offices or premises are damaged or destroyed, the right building and contents insurance policy can help pick up the bill.
Many charities work on a tight budget and rely on the dedication of their staff, who accept lower wages, and their volunteers, who accept nothing. You can give them extra peace of mind with Personal Accident insurance, which will cover their medical expenses if they're injured.
Your trustees could be personally liable to make good the charity’s losses. Trustees Indemnity Cover can provide protection to trustees where they may be held personally liable.
If your charity or group is organising an event, such as a fundraising activity, you may not be covered under your annual insurance policy for the event. In which case you would need additional event cover .
If you're a charity trustee, treasurer, member of the exec committee or run a voluntary group or Community Interest Company call or email our team of insurance professionals.