As a charitable or non-profit organisation, it’s important to cover all your bases, from the building you operate out of to its contents.  Charity Buildings and Contents Insurance serves to protect the structure of your property, including the fixtures and fittings and any outbuildings, along with any stock and items it holds.

Charity Buildings Insurance can safeguard your organisation in the event of natural risks, such as weather, storm and flood damage.  It can also protect it against any losses, such as accidental damage, theft or vandalism and high value items. At Edwards Insurance Brokers, our team have the knowledge and expertise in arranging bespoke Charity Buildings and Contents Insurance, giving you the faith that your charity or non-profit operation is covered so you can continue the good work you do.

Typical policy can include;

• Building, outbuildings & fixtures/fittings

• Assets held inside your property

• Specialist contents option available

Items taken away from the premises

If you need to take contents away from the premises for events such as meetings and homeworking, it’s worthwhile adding this kind of protection to your Charity Buildings and Contents Insurance cover.  The added feature will protect your contents even when they’re not kept within the insured property.

All policy holders at Edwards Insurance Brokers will benefit from:

• A dedicated member of staff to manage their policy

• Our own in-house claims team to aid the claims process

• The knowledge that we are a Chartered Insurance Brokerage, meaning our expertise and ethical approach is guaranteed at all times

If you hire staff, even if they’re just volunteers, you will be legally required to have sufficient Employers’ Liability Cover.

To go without could result in your charity/business being fined up to £2,500 for each day it operates without this cover in place.

Employers’ liability insurance covers the legal fees and compensation costs in cases where an employee or volunteer suffers a work-related injury or illness, and then claims damages.

If one of your employees commits fraud, theft or dishonesty, fidelity guarantee insurance protects your company against the loss of money or property sustained by the employee in question.

This could constitute of anything from embezzlement to forgery, acting as a risk management tool to mitigate employee deceit.

Charity and Not for Profit Legal Expenses Cover will account for the funds required to seek legal advice, investigate and defend a court case, along with covering any court fees.

This is invaluable if a claim is made against your charity or not for profit business and you’re required to seek advice and take further legal action. Without this cover, the costs you’re subject to pay can quickly add up.

If you or your staff are required to travel overseas to undertake volunteer work or otherwise, you will require insurance to cover you against the associated risks.

We’ll work with your charity to assess the risk of your travel requirements and ensure you have suitable cover in place for what you and your team need.

Typical policy can cover;

• Loss of cash, documents and baggage

• Cancellation

• Legal expenses

• Medical costs

If your charity provides professional advice or a service, Charity Professional Indemnity Insurance is a must. 

Without this level of protection, if a client suffers hardship, financial loss or reputational damage, as a result of your advice or service, they could hold you responsible.

Instances where clients could claim include breach of professional duty, slander and defamation, breach of confidentiality or loss or damage to documents.  As a professional in the charity sector, your reputation and community standing is everything; Professional Indemnity and Charity Insurance can cover you against the financial repercussions of a claim, including investigation, defence and compensation costs.

Our team of specialists have years of knowledge of working with charitable organisations to arrange Charity Professional Indemnity Insurance, and we’ll work with you to tailor make a policy that protects your unique advice or services.

Some of the things we will discuss with you are:

• The specialist service and/or advice you provide

• The size of your charitable organisation

• Employers’ Liability Insurance

All policy holders at Edwards Insurance Brokers will benefit from:

• A dedicated member of staff to manage their policy

• Our own in-house claims team to aid the claims process

• The knowledge that we are a Chartered Insurance Brokerage, meaning our expertise and ethical approach is guaranteed at all times

Charity Business Interruption insurance provides cover for financial losses incurred following insured damage at your premises, which forces your charity or not-for-profit organisation to cease trading or its activities for an extended period of time.  Such instances can include flooding and fires.

This cover mitigates against the financial loss your business will face whilst it is unable to trade including loss of revenue, rental income and additional expenditure to continue your operations such as additional costs for the hire of staff/alternative premises.

Charities and not for profit organisations using lifting equipment are required under the Lifting Operations and Lifting Equipment Regulations 1998 (LOLER) to have such equipment independently inspected.

These items will be subject to set inspections, and in this case, an engineering inspection policy will ensure that inspections are arranged in order that your organisation and machinery is operating safely and compliantly.

Your charity or not-for-profit organisation will require goods in transit cover if you deliver or transport goods.

This cover will protect your goods whilst they’re being transported, by whichever means stipulated in your policy.

Typical policy can protect your goods against;

• Loss

• Theft

• Accidental damage

If money is stolen from your organisation, dependent on the scale of the theft, this could have a huge impact on your operation.

This cover will mitigate against the financial repercussions of lost money so you can quickly recover from such a crisis.

Typical policy can include;

• Money in transit

• Money stored in a safe

• Money stored securely on site but not in a safe

• Money lost in working hours

If a member of the public is injured or their property damaged as a result of your charity/organisation, you could be held liable. 

Charity Public Liability insurance covers costs incurred for your legal liability should a third party claim for an injury, loss or damage as a direct result of your charity’s negligent activities.

The Trustees of your charity are often the decision makers and sometimes, however good the intentions are, if a mistake is made they could be held personally responsible.  That’s where Charity Trustee Liability Insurance comes in.

If a claim were to be made against one of your trustees,  they would be personally liable to pay the legal costs of the claim and any investigations.  Charity Trustees Indemnity Insurance can cover the costs, protecting them and your organisation as a whole.  If you’ve been looking for insurance for charity trustees, you’ve come to the right place.

At Edwards Insurance Brokers, we’ve been working with the charity sector for a number of years to arrange trustees’ insurance; our teams have the expertise and knowledge to tailor make a policy that covers your organisations’ needs and demands.

Some of the things we will discuss with you are:

• The unique role and responsibilities of your trustees and officers

• The number of trustees and officers your charity has

• Any specialist advice they give

All policy holders at Edwards Insurance Brokers will benefit from:

• A dedicated member of staff to manage their policy

• Our own in-house claims team to aid the claims process

• The knowledge that we are a Chartered Insurance Brokerage, meaning our expertise and ethical approach is guaranteed at all times