Charity Insurance – our specialty is Insuring Charities

helping Charities with their charity insurance needs

Keegan & Pennykid have been helping Charities with their charity insurance needs for over 40 years and are one of the UK’s leading insurance brokers in this field.  We pride ourselves on being able to offer a truly independent and impartial advice-based service, which allows us to source the appropriate charity insurance cover for each individual organisation. Our charity team is on hand to discuss specialist tailored cover with expert support and advice for your charity.

Flexible Insurance

Most charities require a flexible charity insurance policy that offers a wide range of covers and which can be tailored to meet their exact requirements. By law, you have a duty of care to protect your charity’s assets and resources. The insurance cover your charity requires will depend upon its activities and may include cover for property, events, volunteers and liabilities such as trustees’ indemnity, public liability and employer’s liability.

Specialist Broker

It is vital that charities work with a broker who has a genuine understanding of the way charities operate.  As a specialist charity insurance broker, we have access to a range of insurers as well as our own Encompass policy, which has been specifically designed to meet the insurance needs of the third sector  Click here for further details of the Encompass policy.

More about Charity Insurance

We have created the Encompass Guide to Insurance for Charity Administrators who have the responsibility of arranging their Organisation’s Insurances.  For an explanation of the various charity insurance covers available, please follow the link to go to the Encompass Guide to Insurance.

We would strongly recommend that your charity seeks advice on its insurance needs and uses insurance as part of its overall risk management programme.  We would also recommend that your organisation has a business continuity plan in place.  Please follow the link to go to our Business Continuity page from where you can access Robust, a practical online tool designed to help you develop an effective Business Continuity Plan.

For further information or advice about Charity Insurance or to get a quote, please contact us.

Do I need insurance for a charity event?

Yes.  Whether you are a charity holding an event or an individual organising a charity fundraiser, you will need some level of insurance cover.  Most events, for example, will require amongst other things, public liability cover.  Prior to holding your event, contact us and as an independent insurance broker, we will be able to advise you on the insurance cover you need and can arrange the most appropriate cover to meet those needs.

Do you need insurance for a charity bike ride?

Yes, most definitely.  With a charity bike ride there tends to be a lot of equipment and people involved including cyclists, volunteers and support vehicle drivers.  There is, therefore, a lot to consider from an insurance perspective including insuring the bikes, support vehicles and participants as well as liabilities such as public liability and employer’s liability (for volunteers).

Do you need insurance for a charity car wash?

Yes.  You would need insurance in order to protect your legal liability for any damage caused to vehicles or injury to people as a result of the charity car wash. 

How much does charity insurance cost?

The cost of charity insurance is dependent upon many factors including the size of your organisation and the activities you undertake.  As an independent insurance broker, we have access to a number of specialist insurance policies in the market including our own Encompass charity insurance policy.  We are therefore able to advise you on the cover you need and source the most appropriate policy to meet those needs at a competitive premium.

What insurance does a charity need?

Insurance cover your charity requires will depend upon its activities and may include cover for property, events, volunteers and liabilities such as trustees’ indemnity, public liability and employer’s liability. This is by no means an exhaustive list but gives you an idea of the insurance cover your organisation may need.  As a specialist charity insurance broker we are well placed to advise you on the insurance cover your charity needs so contact us for advice.

What is charity trustee indemnity insurance?

Charity Trustees Indemnity Insurance provides protection for Trustees of the charity against claims or allegations of wrongful acts, such as breach of contract, including defence costs arising.

Do charities need CYBER insurance?

A cyber-attack can put an organisation at risk of reputational damage, interruption to its core services and activities and potentially significant unplanned financial costs.  Due to the prevalence of cyber-attacks, and their indiscriminate nature, all charities irrespective of their size should consider taking out a cyber insurance policy.  Contact us for advice and a cyber insurance quote.

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