Charity Insurance Comparison

We know that all charities are different; from homeless shelters to nature reserves. At Bionic, we understand how important it is to protect the vulnerable and those in need of support. We can help all sorts of charities, including: 

• Local community groups
• Trusts
• Churches & religious groups
• Charitable Incorporated Organisations (CIO)
• Unincorporated associations (groups of volunteers)
• Charitable companies
• Mental health and wellbeing charities 
• Youth organisations 
• Environmental and conservation charities 
• Arts, cultural and environmental groups

Still not sure if you need not for profit insurance? Start a quote online and a member of our insurance team will be on hand to help you through anything you’re unsure of. 

Even not-for-profits run into daily risks when operating, for example:

• A volunteer gets injured during an event
• You accidentally damage a venue you’re using
• A fire or flood disrupts your operations
• Your valuable equipment is stolen
• A donor or beneficiary sues over a legal dispute
• You could suffer a cyber attack and data breach. This would not included as standard and would be an additional policy. 

If you operate your charity without any insurance and something unexpected happens, you could be liable to pay legal fees and compensation out of your own pocket. Not having employers' liability insurance in place if you have any employees, volunteers or helps can result in a fine of up to £2,500 per day. 

Charity insurance could cost from £1.15 a day*

Costs aren’t the most important thing when it comes to insurance, but having sufficient insurance that protects your charity is key. The cost of this will vary on several factors unique to your charity that’s why it’s difficult to give a solid figure. Costs are based on:

• The policies you take out
• The level of coverage you need
• The insurer you choose
• Where your charity is located
• Charity size
• Claims history
• Whether you run events

If you’re looking for a charity insurance quote, we’ll need you to answer a few questions to see what your options are. Start a quote online and a member of our insurance team will be on hand to talk you through any specifics.

_{*This price is for a vector-multi cover third sector secure policy  – 10% of customers who were sold with one of our panel providers paid £417.93 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £34.83 a month or £1.15 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.}

Although not a legal requirement, if your charity hosts any events, it’s a good idea to look into public liability insurance for charities. This can cover your back financially in case any visitors injure themselves during your event and make a claim. Some councils, venues or partners may ask for evidence of public liability insurance before agreeing to let hire a space.

Other types of cover like buildings and contents can also help provide financial protection if someone damages your property during an event and you need to make a claim.

If you’re planning on having any events you must inform your broker to ensure you’re correctly covered.

Volunteers are classed as employees (they are included under the definition of employees) so if your charity has any volunteers, you'll need to take out employers' liability insurance, even for one-off events. Volunteers will not be covered under public liability. 

This will help to cover costs in case a volunteer makes a claim against you. Without it, you could end up paying out of your own pocket for legal fees or compensation.

You’ll want to make sure you’ve considered all aspects of your charity when arranging your non-for-profit insurance to make sure you choose all the right covers. You should consider the following:

• Do you have any paid employees, or volunteers, how many?
• Are you based in a permanent premises or office?
• Do you have any expensive equipment?
• Do you store any sensitive data? 
• Do you give out any professional advice? 
• Do you sell any products or services? For example,  handmade cards or donated items?
• Do you organise public events? 
• Are trustees actively involved in day-to-day decisions? 

Our UK-based insurance team are on hand to guide you through the process and find the right small charity insurance that fit your needs. Get started with a quote online today.

At Bionic, we champion UK business owners and charity organisations and want to help in every way we can. That’s why we work with a panel of trusted insurers to provide insurance options for the majority of small, non-profit businesses.

We focus on getting you the right cover, whatever your business story. Get in touch with us today by starting a business insurance comparison online.