Charity Insurance
Insurance for charities is tailored to meet the individual needs of the organisation. The following elements can be included:

• Accidental damage cover on office contents and other equipment
• Theft
• Money, including money at the homes of officers
• Glass
• Business Interruption ("Loss of Profits" cover or "Increased Cost of Working")
• Public Liability
• Products Liability
• Employers' Liability
• Trustees Indemnity
• Professional Indemnity
• Legal Expenses

Cover will apply in respect of all activities organised by the charity, including fundraising and outings.

The excess under a Charity Combined policy is likely to be £100 for certain sections of cover, rising to £250 in some circumstances.

Examples of incidents that would be covered under a Charity Combined Insurance policy are as follows:

• A computer is knocked off a desk and broken. The policy would pay for repairs or for a replacement computer.
• Thieves gain access to the office and steal equipment. This is covered under the theft section.
• The organisation's offices are damaged by fire. The Business Interruption cover would provide funds for hire of alternative premises whilst repairs are carried out.
• A volunteer falls over a cable at the charity's premises. Any compensation claim would be dealt with under the Employers' Liability cover.
• A member of the public is injured during an event arranged by the charity for fundraising purposes. The defence claim for the injury and any compensation payable will be dealt with under the Public Liability cover.
• The charity prepares and serves a meal to a group of elderly people, who subsequently claim that they had food poisoning as a consequence. Their claim would fall under the Products Liability section of cover.
• The charity gives advice to a client and it is later shown that the advice was unsuitable and has caused the client to lose money. Any claim made against the charity for this loss would be covered by the Professional Indemnity section.
• The charity receives a donation specifically to set up a youth club. The club is formed but it proves difficult to find volunteers to staff it and the club closes. The donor asks for his money back but it has already been spent. The claim for this money would fall within the cover provided by the Trustees Indemnity section.
• A former employee sues for unfair dismissal. The cost of the defence (and often the compensation award) would be covered under the Legal Expenses section.

Norris & Fisher are happy to answer individual queries regarding Charity Insurance. Please telephone us on 01794 518855.

If you would like a quotation, please download and complete our Enquiry Form and return it by post, fax or email. We will respond immediately we receive a quotation from insurers – usually on the following working day.

Alternatively you could click the relevant link to the right to obtain an online quotation: