Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Typical Risks

  • Homeless Shelter Insurance – We arrange cover for full residential homeless shelter charities and provide advice on the specific risks such groups face.
  • Drop in Centre Insurance – If your homeless support group are running community kitchens, drop in advice centres and the like, we can support you.
  • If your homeless charity provides advice, whether signposting, advocacy or benefits support, we can discuss these risks and the insurance solutions available.

Homeless Charity Insurance

We have extensive experience of working with charities that operate with homeless service users.  We work with groups that operate drop in centres, residential care and those that support service users to make key lifestyle changes.

In arranging insurance for homeless charities, it is important to consider the risks involved in activities.  Sometimes the behaviour of service users can be unpredictable, many might be dealing with addiction challenges as well as mental and physical health issues.

At Ladbrook we have extensive experience in homeless shelter insurance, drop in centre insurance and groups that provide peer to peer and carer support.  For our advice on the unique risks your group faces, get in touch, we would be delighted to hear from you.


Marie Hallowes

Operations Director

We offer insurance for homeless charities ranging from full 24 hour care shelters (where we can often support with expert risk management support) to peer to peer support local community groups.

Marie Hallowes, Operations Director

Customer Reviews

As a small charity, excellent service is very important to us when choosing the right insurance policy for our organisation. Ladbrook Insurance have always been very helpful when guiding us with regard to the best insurance policy.  We have used them as our broker now for three years and will continue to do so.  Their staff always give us the best of attention at all times.

Chloe Palmer, Director, Trent Rivers Trust

After several disappointing experiences with other brokers I found Ladbrook Insurance to be a breath of fresh air! Any queries I have had regarding my policy have been answered quickly and without any hassle.  The customer service is excellent. They have an extensive knowledge of their insurers and found me an excellent policy.  Thank you!

Samantha, Pass on Preloved Items

First class service from an agent who went above and beyond to source the perfect insurance for our charity, FASD Aware Northern Ireland.  Nothing was to much bother and someone was always on hand to answer any questions.  Thank you so much for all your help and for your kind and friendly service

Alison McNamara, FASD Aware NI

Homeless Shelter Insurance

Homeless groups face some unique risks in their activities particularly considering the nature of the service users at the heart of your activities.  Individuals facing issues of homelessness sometimes have wider issues including mental health or addiction challenges.  These can mean that the service users are vulnerable but can also exhibit unpredictable behaviour and in the worst instances, violent behaviour.

Public Liability Insurance for Homeless Charities

It is vital therefore that any community group or charity working in the homeless sector arranges appropriate public liability insurance.  The liability insurance should also be arranged ensuring that:

  • A full disclosure of material facts is made to the insurer so there is no doubt about the nature of your activities with vulnerable service users
  • Consideration is given to the matter of abuse, ensuring that cover is in place should an allegation be made by a service user about such mistreatment at the hands of a volunteer or employee of the charity.
  • Employer liability insurance for your homeless charity will also protect you if a volunteer or staff member is injured by a service user and makes an allegation against the charity.

Homeless Charities and Advice

Many homeless charities are involved in discharging advice for their members.  This might be as simple as providing signposting to other services or it might be far more involved.

Many charities might become involved in providing advice on housing benefit, helping users to complete forms and access services.  Even more involved, some groups might become involved in advocacy services even representing their services users at tribunals.

These activities carry a professional risk and therefore professional indemnity insurance is a consideration.