Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Typical Risks

  • We can organise charity public liability insurance as a stand alone policy or combine it with other covers to meet the needs of your organisation
  • We only deal with charities and can access specialist charity liability products from a range of insurers
  • We offer advice even to small charities to help you understand the exposures that your charity has

Charity Public Liability Insurance

Most charities first contact Ladbrook because they have a concern or a specific requirement to insure their organisation for their public liability.  Charity Public Liability Insurance covers your non profit organisation if you are held liable for losses from damage or injury to a third party.

We are independent and advised.  This means we can access different insurance products and offer advice on the appropriate level of cover for your charity.

While a few insurers will treat volunteers as members of the public, most require an Employers Liability Insurance policy.  Contact us to discuss your charity public liability insurance needs.


Shelley Bacon

Account Handler

Sally Adams-Armitage

Account Handler

Although not a legal requirement Charity Public Liability Insurance offers protection against claims for injury caused by negligence and damage to third party property.

Shelley Bacon

Customer Reviews

Doodleaid would like to thank Ladbrook for their service, professionalism, speed of service and friendliness.  All staff were very helpful and we would have no hesitation in recommending Ladbrook.

Bev, Doodleaid

Very many thanks for getting the paperwork back to us today.

Sylvia also asked that I send the thanks and appreciation of everyone connected with Mental Health Aberdeen, for the skillful negotiations you have demonstrated – as evidenced by the affordability of our new policy. We shall certainly be recommending your brokerage, but especially the efficiency and friendliness of your team, to other charitable organisations in our area.

I hope you have a great weekend and once again, thank you all so very much.

Bea, Mental Health Aberdeen

We have just finalised our 7th annual insurance renewal through Ladbrook Insurance and are very happy with the service received. The Account Handlers have always striven to offer competitive quotes and answered any queries or given further explanations by email or phone as appropriate and we have found this personal touch not only professional but also very reassuring


Charity Public Liability Insurance

There are lots of nuances to public liability insurance for your charity.  Here are some points that you might consider.

Public Liability and Abuse in Charities

charities that work with young or vulnerable people are very sensitive towards safeguarding issues.  A vital question is how your public liability insurance would react in the event that a civil case was bought against the group.

First of all, there is the matter of disclosure.  It is essential that your insurer understands the extent of your activities, else you might find that any claim is disputed.  You can read more about that in our guide to The Insurance Act.

Next the cover is a consideration.  Some charity insurers completely exclude abuse as a risk, some require DBS checks and a safeguarding policy, some remain silent on the matter, leaving it open to interpretation and some place other restrictions on the cover, such as claims made wording.

If you need some advice on your abuse exposure and how your public liability insurance would operate, get in touch.

Charity Liability and Transport

Many charities are in the business of transporting service users or volunteers to carry out their activities.  While one on one time in a vehicle with a service user can be a higher risk activity, it also can be the most productive time too.  We have produced a paper considering some of the liability and risk considerations for charities involved in transport.

We have written some other specific help guides too:

Charities planning fireworks events

Community groups and litter picking

Other Resources:

Advice from the Government on how to insure your charity

A Government Guide: Charities and Insurance

Our blog concerning authorities and public liability insurance obligations: Contractual Insurance Obligations