Charity Building Insurance Insure your community building 0345 040 7731 [email protected] Get in Touch Why Your Charity Needs Buildings and Contents Insurance Protecting Your Charity’s Assets What if your charity’s building was damaged or your property stolen? Buildings and Contents Insurance helps cover the costs of repairs, rebuilding, or replacing essential items, safeguarding your charity from financial loss. For more on how insurance can protect your charity’s activities, explore our Charity Insurance Overview. Let one of our specialist team help you Call us: 03450407731 Email us: [email protected] Buildings Insurance Buildings Insurance, or 'Material Damage,' covers the cost of repairing or rebuilding your charity’s property. It protects your most valuable asset from risks like fire, flood, or vandalism. If you have a mortgage, this cover is usually required. Freehold Properties: Ensure your building is insured for the full cost of rebuilding, including walls and fences. Leasehold Properties: Check your lease to determine if you or your landlord is responsible for the insurance. Renters typically rely on the landlord's insurance cover. What’s Covered? Policies generally cover: Fire Theft Water damage Storms Subsidence Terrorism Key Points: Sum Insured: Ensure it reflects the full rebuilding cost, including demolition and fees. Valuation: Revalue your building every three years to avoid underinsurance. Unity can connect you with a RICS-approved surveyor for an accurate valuation. Public Liability: Protect against claims for injuries or damages on your premises. Learn more about Public Liability Insurance. Business Interruption: Consider coverage to protect against income loss if your building becomes unusable. Explore our Business Interruption Insurance. What our customers say matters... Trustpilot Contents Insurance What’s Covered? Content policies generally cover: Fire Theft Water damage Storms Subsidence Terrorism Key Points: Sum Insured: Ensure it reflects the full rebuilding cost, including demolition and fees. Valuation: Revalue your building every three years to avoid underinsurance. Unity can connect you with a RICS-approved surveyor for an accurate valuation. Public Liability: Protect against claims for injuries or damages on your premises. Learn more about Public Liability Insurance. Business Interruption: Consider coverage to protect against income loss if your building becomes unusable. Explore our Business Interruption Insurance. Contents Insurance Contents Insurance covers the cost of replacing items like furniture, equipment, and stock if they’re damaged or stolen. What’s Covered? Typical cover includes: Fire Theft Accidental damage Water damage Storms Terrorism Considerations: Valuation: Use current replacement values and consider 'new for old' cover. All Risks Cover: Ensure portable equipment used off-site is covered. High-Value Items: List high-value items like computers separately. Borrowed or Hired Equipment: Check if it's covered by your policy or the owner’s insurance. All profits donated back to charity Unity supports young people with Skills For Life! 'Good service - understood our needs.' 2491 Lyneham Air Cadets FAQ Does hiring out a charity’s building affect its insurance?Yes, additional insurance may be needed for tenant damage or rental income loss. Talk to Unity, and let us review your policy or provide a quote.Is property covered off-site?Only with All Risks cover. Talk to Unity, and let us assist you. Is theft from a car covered?This depends on your policy - check for exclusions.Can computers be insured under Buildings and Contents insurance?Yes, but high-value items may need to be listed separately. Consider our Cyber Insurance for additional protection. Package Policy Charities Trustee Indemnity insurance for charities Personal Accident Insurance for Charities How to claim
