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Charity and not-for-profit organisations insurance

Comprehensive tailored insurance options that meet your organisations unique needs

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Our comprehensive insurance plans protect charities and not-for-profit organisations with customised coverage options that address their unique needs, helping you focus on making a positive impact in the community.

Our dedicated charity scheme and not for profit facility can be tailored to cater to the needs of your charity group, which will ensure you have the cover you need at a competitive price.

We understand that all charities have unique requirements, from size, staff numbers, volunteers, services offered, or activities undertaken. With brokers who specialise in and understand your sector, we will assess your insurance needs on an individual basis.

Our role is to make the great work of charities easier and ensure that when it comes to insurance you have peace of mind knowing you are protected. 

What we provide

  • Enhanced covers specifically designed for the charity sector.
  • A full review of risk and covers provided by our experienced team.
  • Flexible insurance programmes for individual charity groups.
  • Interest-free finance for premium payment. 
  • Service level agreements to support day-to-day queries.

How we can help you

At Marsh, we pride ourselves on knowing and understanding our clients based on our long-term experience in the sector. Our objective is to provide innovative solutions to charity organisations accompanied by the highest quality service.

Our experience means we can understand the diversity of risks facing each charity and design an insurance programme that will deliver savings together with comprehensive cover.

Marsh can offer cover to many charities and not for profit groups involved in a wide range of activities, including:

  • Small to large charities providing services and funding to those in need.
  • Community, family, resource, and training centres.
  • Community employment schemes.
  • Community councils and community alert groups.
  • Tidy Town groups.
  • Resident associations.
  • Local festivals and parades.
  • Fundraising events.

What does a charity insurance policy include?

Our aim is to ensure that there are no gaps or hidden limits in your protection. Cover can include everything from:

  • Public liability
  • Employers liability
  • Buildings and contents
  • Professional indemnity
  • Directors Officers / Trustees Indemnity
  • Employment practices liability
  • Personal accident
  • Travel
  • Cyber cover
  • Motor insurance

Public Liability

Protecting your organisation's legal liability for accidental bodily injury to volunteers and members of the public using your facilities or attending your events or activities.

Professional Indemnity

If your organisation is found responsible for delivering inadequate advice or services that result in financial loss or confidentiality breach, charity professional indemnity insurance will offer protection if it is found liable for any compensation. It will also cover legal costs incurred whilst defending a claim.

Directors and Officers

Directors, officers, administrators, committee members, and managers of all charities regardless of size have a responsibility in respect of their roles and actions. Cover is provided for claims against them whilst acting in good faith for actual or alleged breach of duty, neglect, errors, or omissions.

FAQs

Charities typically require insurance that protects them against any loss, damage, or liability that can arise such as building insurance, contents insurance, and cover for events and fundraising.

Charities are required to take out insurance against their third-party liabilities which can include public liability, professional indemnity, and employers liability if you have staff working for your charity.  Cover will also be required for your directors and/or officers who are responsible for the governance of your organisation.

At each renewal, an approximate number of volunteers working with your charity is provided to your insurer and the policy will cover those volunteers.

This policy has been designed to cover common types of fundraising events that are regularly undertaken by charities.  An annual declaration of events and fundraisers is made at each renewal and additional fundraisers, subject to approval by your insurer, can be added to your policy cover throughout the year.

Directors and Officers Liability insurance is designed to protect the committee members, trustees, directors, governors, and officers of the charity or not-for-profit organisation. This insurance will provide protection if they are accused of any wrongdoing, such as a breach of fiduciary or statutory duty or governance negligence.

If your charity of provides a service, such as giving advice or guidance, this insurance will offer protection in the event that someone working for your charity provides incorrect information to a service user or beneficiary, who then sues you for negligence or providing inadequate advice.

Cyber insurance generally covers your charities liability resulting from large-scale breaches, business interruption, ransomware, and other types of cyberattacks. It can help your organisation to recover losses and associated costs such as legal fees, incident preparation and response support, forensics services, and other costs associated with a cyber incident.

To learn more about Charity and not-for-profit organisations insurance contact us for a quote

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Our people

Ciaran Whelan

Ciaran Whelan

Head of Enterprise, Sport & Education, Ireland