Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Typical Risks

  • For small food bank organisations working from third party premises, to larger community food banks needing to insure buildings too
  • We understand the day to day activities and subsequent risks that food banks face
  • Our specialist charity insurers can look to include cover for fundraising activities and events your food bank engages in

Food Bank Insurance

Food banks have been one of the fastest emerging types of community organsiations in the UK.

Springing up to support low income families and fuelled by clients dealing with benefit delays or cuts, there has been a huge increase in people who are referred for emergency food.

One of the major costs of running a local food bank is insurance and that is where Ladbrook can help.  We are independent and can source food bank insurance policies from our panel of leading third sector providers.

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Shelley Bacon

Account Handler

Food banks are serving a vital community need, I will be delighted to advise any on your insurance needs and help keep costs to a minimum.

Shelley Bacon, Account Handler

Customer Reviews

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

When we asked Ladbrook for a quote we had been looking for insurance cover for a month already with no luck.  As soon as we got in touch with Shelley and Tim we knew that they understood our sector better than anyone else. We felt that Ladbrook was genuinely interested to understand our work and to make sure that we had the right level of cover.  They also offered to review other insurance covers we had.  They worked on a very tight deadline and just before Christmas to secure cover for Micro Rainbow International.  It is the first time that we feel that our insurers actually care about protecting MRI’s important work for the community.  I am confident that this is the beginning of a long partnership.

Sebastian Rocco, Micro Rainbow International

Food Bank Insurance

At Ladbrook we have helped a number of independent food banks acquire appropriate insurance for their risks.

Many of our clients operate from church premises but some larger food banks, operating in areas with many service users have acquired their own premises specifically for the purpose of distributing emergency food.

Food banks have the need for different types of insurance based on their operations and scale.

The processing of foodstuffs and liaison with professionals in the care sector to provide food parcels in three day supplies is the common activity of all food banks.

Within this activity, clearly food bank volunteers are meeting service users and members of the public.  If an injury to these service users or the public resulted in an allegation made that it was the fault of the food bank, then a claim for compensation could be bought against the food bank itself.  Public liability insurance will protect the organisation against this eventuality.

Food banks do not intentionally supply food that is not ‘in date’ but there is a risk that unintentionally, such foodstuffs are supplied.  In this eventuality, the right products liability insurance needs to be in place to protect the food bank for any subsequent claim.

Food banks can also be engaged in fundraising activities, whether it be coffee mornings, supermarket collections or organising events.  It is clearly vital that the insurance policy extends to cover these activities.

Some food bank charities are engaged in wider community support work.  If your food bank is providing support for job seekers or help with benefit claims, then it is important to consider professional indemnity insurance.  Public liability insurance specifically excludes losses as a result of ‘professional advice’, professional indemnity extends cover to protect the organisation for this.

Most food banks operate out of a third party premises but those that are large enough to run their own site require buildings insurance as a key part of their food bank insurance policy.