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.jpg

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

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

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