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# Keegan & Pennykid: As independent, family-owned insurance brokers, Keegan & Pennykid have a powerful UK-wide reputation as ethical and expert advisors to individuals, businesses, and especially the Third Sector.Since 1968, we’ve been proud to provide a highly personalised service, so if you’d like to talk to us about protecting your organisation or the things that are important to you, simply call:

## Sitemaps
[XML Sitemap](https://www.keegan-pennykid.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Football, fundraising and Small Charity Week](https://www.keegan-pennykid.com/football-fundraising-and-small-charity-week/): It’s this sort of direct impact that small charities and voluntary organisations have and why the recognition provided by Small Charity Week fundraising. is so important. If your organisation requires bespoke insurance advice about any fundraising activities you are planning, the team at Keegan & Pennykid would be more than delighted to assist.
- [Avoid tripping up on travel](https://www.keegan-pennykid.com/avoid-tripping-up-on-travel/): At the end of February, conflict erupted across the Middle East in the wake of American and Israeli strikes on Iran. Retaliatory attacks on Israel and US-allied Gulf states followed immediately. Although a fragile ceasefire is currently in place, the entire region remains highly volatile.
- [The Third Sector – an open and shut case](https://www.keegan-pennykid.com/the-third-sector-and-open-and-shut-case/): Perceptions often need to be challenged and so I was pleased to read a recent article in "The Herald" highlighting the fluidity of the Third Sector and some moderate growth within it.
- [Using an Independent Insurance Broker – what’s in it for you?](https://www.keegan-pennykid.com/using-an-independent-insurance-broker/): Let’s cut to the chase. What benefits do you get when you use an independent broker to place your insurance? The question came up when speaking to a friend who was starting her own business. Would a broker be interested in small start-up like hers and wouldn’t it be quicker, cheaper and easier just to sort it out herself? In short, no, and here’s why.
- [Don’t write off pen and paper when it comes to cyber security](https://www.keegan-pennykid.com/dont-write-off-pen-and-paper-when-it-comes-to-cyber-security/): This stressful start to my journey was a stark reminder of how quickly our lives can fall apart without access to our digital devices. Indeed, over-reliance on digital devices is a major vulnerability in many organisations’ cyber security plans and one that they should recognise and address.
- [The Gathering – Prize Draw](https://www.keegan-pennykid.com/gathering-prize-draw/): Keegan & Pennykid Insurance Brokers is proud to have supported SCVO for over 20 years. As headline sponsors of The Gathering 2026, we are giving one lucky third sector organisation the chance to win a year’s *free insurance up to the value of £5,000.
- [Sport, sponsorship and community](https://www.keegan-pennykid.com/sport-sponsorship-and-community/): The recent emotional rollercoaster experienced by Scottish sports fans via results from the men’s football and rugby teams show just how high we can rise and how far we can fall.
- [It’s time to power up your fire-safety programme](https://www.keegan-pennykid.com/its-time-to-power-up-your-fire-safety-programme/): This year’s John Lewis Christmas advert has just flashed across our screens and so it seems the time of good cheer is now officially upon us. But before we throw ourselves headlong into the season of goodwill, I want to make sure it’s also one of good sense, particularly when it comes to lithium-ion batteries and fire safety.
- [Supporting and showcasing excellence in social enterprise](https://www.keegan-pennykid.com/supporting-and-showcasing-excellence-in-social-enterprise/): In the coming weeks, the team at Keegan & Pennykid will be putting on their glad rags to enjoy two glittering awards ceremonies, hosted respectively by Social Enterprise Scotland and Social Enterprise UK.
- [From Heatwaves to Hazards Insuring a Safe Summer](https://www.keegan-pennykid.com/from-heatwaves-to-hazards/): Summer days, drifting away...…
- [The risk and reward of event planning](https://www.keegan-pennykid.com/risk-and-reward-of-event-planning/): Early summer arrived in a mirage of heatwaves, hosepipe bans and thunderstorms, adding an extra layer of concern for charities and voluntary organisations planning their summer events. 
- [Small Charity Week promotes financial resilience](https://www.keegan-pennykid.com/small-charity-week-june-25/): Originally set up in 2010, Small Charity Week runs from 23rd to 28th June this year, with a focus on financial resilience. Its goal is to publicise and promote all of the fantastic work done by these organisations and to support their ongoing development.    
- [Understanding the new obligations created by Martyn’s Law](https://www.keegan-pennykid.com/martyns-law/): Do your premises sometimes host more than 200 people for events? If so, legislation which received Royal Assent in early April, creates new responsibilities and requirements with which you need to comply. The changes seek to enhance the safety of those attending events and to minimise any potential harm from a potential terrorist attack.
- [The practicalities of taking cyber cover and avoiding cyber claims](https://www.keegan-pennykid.com/the-practicalities-of-taking-cyber-cover-and-avoiding-cyber-claims/): The UK has more than 131,000 social enterprises that employ around 2.3 million people and generate a combined turnover of £78bn. The sector encompasses organisations of all shapes and sizes, but one of the things they all have in common is their increasing exposure to a cyberattack.
- [How to avoid ground rush at Insurance Renewal time](https://www.keegan-pennykid.com/how-to-avoid-ground-rush-at-insurance-renewal-time/): Have you ever done a parachute jump? Apparently, once you get over the shock of throwing yourself out of the plane, drifting back down to earth is a tranquil and serene experience. That is until you get close to the ground and all of a sudden it seems to rush up towards you. A similar feeling of ground rush is not an uncommon emotion for many policyholders approaching their insurance renewal date.
- [Exactly how could your organisation benefit from Coalition Control?](https://www.keegan-pennykid.com/exactly-how-could-your-organisation-benefit-from-coalition-control/): Keegan & Pennykid has worked in collaboration with Social Enterprise Scotland and the Scottish Council for Voluntary Organisations to provide their members with free access to Coalition Control, a powerful cyber security risk management tool developed by cyber insurance specialist Coalition.
- [Keegan & Pennykid are delighted to continue their sponsorship of Heriot’s Rugby Club](https://www.keegan-pennykid.com/heriots-rugby-club/): Keegan & Pennykid are delighted to continue their sponsorship of Heriot’s Rugby Club as jersey sponsors across the club.
- [Social enterprise and charity sectors combine to combat cyber crime](https://www.keegan-pennykid.com/social-enterprise-and-charity-sectors-combine-to-combat-cyber-crime/): Social Enterprise Scotland and the Scottish Council for Voluntary Organisations (SCVO) have come together to offer members free access to practical support and digital tools that will transform their ability to pre-empt and combat cyber-attacks.
- [Keegan & Pennykid launches cyber security programme for members of Scottish Council for Voluntary Organisations](https://www.keegan-pennykid.com/cyber-security-programme-scvo/): We are delighted to announce that Scottish Council for Voluntary Organisations (SCVO) has partnered with Keegan & Pennykid and cyber insurance specialist Coalition, to help its members protect their organisations from cyber-attacks.
- [Keegan & Pennykid launches cyber security programme for members of Social Enterprise Scotland](https://www.keegan-pennykid.com/cyber-security-programme/): The partnership provides access to cyber risk management platform, Coalition ControlⓇ, as well as offering education on cyber awareness and cyber insurance advisory services.
- [Keep your people and property safe this winter](https://www.keegan-pennykid.com/keep-your-people-and-property-safe-this-winter/): Darker nights and wintry weather throw up all sorts of hazards for organisations. June Pennykid at Keegan & Pennykid offers some practical tips to keep your people and your property safe.
- [Are you covered for Bonfire Night?](https://www.keegan-pennykid.com/are-you-covered-for-bonfire-night/): Before the sparks fly on Bonfire Night, June Pennykid at Keegan & Pennykid talks through some of the logistics associated with holding an event and the insurance cover you’ll need before you go ahead.
- [Previous claims are only part of your premium calculation](https://www.keegan-pennykid.com/previous-claims-are-only-part-of-your-premium-calculation/): In recent months, I’ve had lots of conversations with clients about the rising cost of insurance. In particular, those who haven’t made a claim want to know why they’re receiving renewal quotes with a double-digit hike in the premium. Often, the answer is market forces, so let’s unpack that in more detail.
- [Damage Following Unrest](https://www.keegan-pennykid.com/damage-following-unrest/): In the past week, many major cities and other areas within the UK have witnessed dramatic levels of wanton destruction of property, injuries inflicted on their residents and also those responsible for trying to preserve law and order, and protect citizens at the same time.
- [The holiday season isn’t so carefree for the charity sector](https://www.keegan-pennykid.com/the-holiday-season-isnt-so-carefree-for-the-charity-sector/): The calendar says the summer holidays are here, although sadly we’re still waiting for the good weather to arrive. It’s an exciting time of year as we make plans to take some time off work, catch up with family and friends, or maybe jump on a plane to get a glimpse of thatelusive sun. For the charity sector, however, holiday periods tend to add pressure to their already heavy workloads. And when resources get stretched, there’s always a higher risk of something going wrong.
- [Your Ten-Point Checklist for Event Insurance](https://www.keegan-pennykid.com/your-ten-point-checklist-for-event-insurance/): Events are a fundamental activity for the charity sector and offer an exciting way to fundraise, educate and engage with your community. But they also come with a wide range of risks that you need to identify and address.
- [UPDATE: BT announces collaboration with AddSecure to provide continuity for Redcare customers](https://www.keegan-pennykid.com/update-bt-announces-collaboration-with-addsecure-to-provide-continuity-for-redcare-customers/): Update — July 2026: BT Redcare services ended on 1 August 2025. If you were a BT Redcare customer and have any questions about continuity of your alarm signalling or the effect on your insurance, please contact us on 0131 225 6005…
- [A brief guide to buying specialist charity insurance](https://www.keegan-pennykid.com/a-brief-guide-to-buying-specialist-charity-insurance/): In response to a request from one of our charity partners, I’d like to outline some key considerations to think about when buying insurance for your charity. What cover do you need? What’s important when choosing a broker? What should you look for in an insurer? Why is it worth thinking about your insurance programme throughout the year and not just at renewal? There’s lots to cover, so let’s get stuck in.
- [Business Interruption – And why it deserves specialist consideration](https://www.keegan-pennykid.com/business-interruption-and-why-it-deserves-specialist-consideration/): Business Interruption is an intricate and important insurance cover that acts as an essential lifeline for organisations as they work to get operations back on track following an insured property loss. Sadly, it’s also a common area of confusion and without careful consideration it’s easy to end up with insufficient cover.
- [Underinsurance – how to avoid an unpleasant and costly surprise](https://www.keegan-pennykid.com/underinsurance-surprise/): In recent years, buildings underinsurance has become a thorny issue for many policyholders. But by the time you realise the problem – generally at the point of making a claim – it’s too late to avoid its costly consequences.
- [Keegan & Pennykid continue to support RSABI](https://www.keegan-pennykid.com/keegan-pennykid-continue-support-of-rsabi/): RSABI provides practical, emotional and financial support to all individuals and their families currently or previously involved in the Scottish agricultural industry. Keegan & Pennykid have been long standing supporters of RSABI and are delighted to continue as a member of their Supporters Scheme.
- [Scottish Charity Awards 2024](https://www.keegan-pennykid.com/scottish-charity-awards-2024/): Update: nominations for the 2024 awards have closed.
- [Withdrawal of BT Redcare Products – are you prepared?](https://www.keegan-pennykid.com/withdrawal-of-bt-redcare-products-are-you-prepared/): Update — July 2026: BT has now withdrawn its Redcare signalling products, with services ending on 1 August 2025. This deadline has passed. If your alarm signalling has not yet been migrated to an alternative solution, please contact us on 0131 225 6005…
- [The Winners of the Social Enterprise UK Awards](https://www.keegan-pennykid.com/the-winners-of-the-social-enterprise-uk-awards/): We are proud to have sponsored the UK Social Enterprise Awards, which took place on the evening of 30 November at the iconic Roundhouse in Camden.
- [Social Enterprise Day](https://www.keegan-pennykid.com/social-enterprise-day/): Thursday 16 November is Social Enterprise Day and at Keegan & Pennykid we are proud to support the country’s vibrant social enterprise community.
- [Defending against fraud and crime: strategies for individuals and organisations](https://www.keegan-pennykid.com/defending-against-fraud-and-crime-strategies-for-individuals-and-organisations/): Defending against fraud and crime: strategies for individuals and organisations
- [Shielding your organisation: essential risk management insights](https://www.keegan-pennykid.com/shielding-your-organisation-essential-risk-management-insights/): Shielding your organisation: essential risk management insights
- [Thank goodness you’re here!](https://www.keegan-pennykid.com/thank-goodness-youre-here/): Thank goodness you’re here!  
- [Don’t overlook Underinsurance](https://www.keegan-pennykid.com/dont-overlook-underinsurance/): In times of economic uncertainty when income streams are under pressure and costs are spiralling it is only human nature to look for ways to reduce your outgoings.
- [Keegan & Pennykid are proud to sponsor the UK Social Enterprise Awards](https://www.keegan-pennykid.com/keegan-pennykid-are-proud-to-sponsor-the-uk-social-enterprise-awards/): Once again, we’re thrilled to be sponsoring the UK Social Enterprise category at the UK Social Enterprise Awards 2023. The winners will be announced on 30th November at London’s iconic Roundhouse. Congratulations to all the finalists this year!  
- [Keegan & Pennykid Announced as Heriot’s Rugby Super Series Main Sponsor](https://www.keegan-pennykid.com/keegan-pennykid-announced-as-heriots-rugby-super-series-main-sponsor/): Keegan & Pennykid have this week been announced as the new principal sponsor of the Super Series Team, Heriot’s Rugby for the 2023/24 FOSROC Super Series Championship.   
- [Keegan & Pennykid Sponsors the Scottish Social Enterprise of the Year Award](https://www.keegan-pennykid.com/keegan-pennykid-sponsors-the-scottish-social-enterprise-of-the-year-award/): We are thrilled to announce that Keegan & Pennykid is again sponsoring the Social Enterprise of the Year Award at the Social Enterprise Awards Scotland.
- [The Winners of the Scottish Charity Awards 2023!](https://www.keegan-pennykid.com/the-winners-of-the-scottish-charity-awards-2023/): June Pennykid, Kaydi Scottsville (CEO of Diversified) and Sally Magnusson
- [An Employer’s Guide to Employees Using their Own Vehicles for Work](https://www.keegan-pennykid.com/an-employers-guide-to-employees-using-their-own-vehicles-for-work/): Many employees use their personal vehicles for work-related purposes, such as traveling to off-site meetings, making deliveries, or visiting clients and service users. While this can be convenient for both the employer and the employee, it can also raise a number of legal and safety issues. 
- [Scottish Charity Awards 2023.](https://www.keegan-pennykid.com/scottish-charity-awards-2023/): Update: the 2023 awards took place on 30 November 2023
- [Top insurance tips for small to medium sized organisations.](https://www.keegan-pennykid.com/top-insurance-tips-for-small-to-medium-sized-organisations/): I often hear myself say that there aren’t enough hours in the day!  When juggling work and busy home lives, we’re constantly juggling a multitude of priorities and it can be difficult to find the time to address matters which often seem less pressing. However, a little time spent on these seemingly “less pressing” matters may save you and your organisation a great deal more time further down the line.  
- [Considerations for Working from Home.](https://www.keegan-pennykid.com/considerations-for-working-from-home/): A few years ago, working from home was reserved for the few but with lockdown forcing this upon most of us, there has been a sea-change in our working environments.  A significant number of people continue to work from home, and as the dust settles on the pandemic at least, now is a good time for employers to take stock of their responsibilities as far as home workers are concerned.  So, what are the main areas that Employers need to consider to ensure that they and their employees can continue to operate safely and effectively?

## Pages
- [Free Insurance Guide](https://www.keegan-pennykid.com/free-insurance-guide/)
- [Careers](https://www.keegan-pennykid.com/careers/): Career Opportunities
- [Garden Squares](https://www.keegan-pennykid.com/third-sector/garden-squares/): Garden Squares and Communal Gardens provide a vital contribution to the quality of life of residents and typically act as a focal point for closely knit local communities.
- [Encompass](https://www.keegan-pennykid.com/encompass/): The advice contained in this guide is given in good faith and is based on our understanding of current law and practice. Neither Keegan & Pennykid (Insurance Brokers) Ltd nor any of our contributors nor sources accept any liability whatsoever for any errors or omissions which may result in injury, loss, or damage, including consequential or financial loss.  It is the responsibility of the Insured or any other person to ensure that they comply with their statutory obligations and any interpretation or implementation of the above is at the sole discretion of the Insured or other party who may read this guide.
- [Risk Management](https://www.keegan-pennykid.com/risk-management/): Good risk management is fundamental to an organisation achieving its aims and is at the heart of good governance. The primary aim of risk management is to enable you to identify possible risks to achieving the aims of your organisation and to allow you to set up procedures to avoid the risk or better cope with its impact. All with a view to safeguarding your organisation.
- [Development Trusts](https://www.keegan-pennykid.com/third-sector/development-trusts/): Whether your Development Trust is long established or just in its infancy, you need to ensure that you have the right insurance cover in place. As one of the leading insurance brokers in the UK for the third sector and as an Associate Member of Development Trust Association Scotland, we are well-positioned to help your Development Trust with its insurance and risk management needs.
- [News](https://www.keegan-pennykid.com/news-insights/news/): Stay up to date with the latest news from Keegan & Pennykid, including industry updates, community partnerships and practical insights to help protect what matters most.
- [Business Insurance](https://www.keegan-pennykid.com/insurance-types/charity-business/business-insurance/): We know that as a business owner, protecting your assets and ensuring the continuity of your operations is a top priority. That's why we offer a wide range of insurance solutions to cover your specific needs.
- [Our Team](https://www.keegan-pennykid.com/our-story/our-team/): June PennykidManaging Director John Suttie
Director Hazel StrachanHead of Charities & Commercial Department Garry Dalton
Account Executive Stuart Donaldson
Claims Manager Jacqueline Atamer
Private Client Account Handler Lynn Wardlaw
Private Client Account Handler Shaun AndersonCommercial Insurance Broker Vivien McKenzieCommercial Insurance Broker Anne-Margaret MurrayCommercial Insurance Broker Kim ReidCommercial Insurance Broker Nicola RichardsonCommercial Insurance Broker Maureen Merchant Executive Assistant Janice HillAccounts Department Fiona FitheridgeAccounts Department
- [CIOs and CICs](https://www.keegan-pennykid.com/insurance-types/charity-business/insurance-types-cic-vs-cio/): A Charitable Incorporated Organisation (CIO) is the latest form of legal entity designed for non-profit organisations. The Office of the Scottish Charity Regulator began registering Scottish Charitable Incorporated Organisations (SCIOs) in April 2011 and the CIO status became available to charities in England and Wales on 4th March 2013.
- [Business](https://www.keegan-pennykid.com/business/): In addition, we offer specialised insurance options such as cyber liability cover to protect your business against data breaches and cyber-attacks, and employment practices liability cover to protect against claims of discrimination, harassment, and wrongful termination.
- [Modern Slavery Statement](https://www.keegan-pennykid.com/modern-slavery-statement/): Keegan & Pennykid (Insurance Brokers) Ltd, a UK registered company, is committed to ensuring that there is no modern slavery or human trafficking in our supply chain or any part of our business. We are committed to acting ethically and with integrity in all our business relationships and to implementing and enforcing effective systems and controls to ensure slavery and human trafficking is not taking place anywhere in our supply chain.
- [Terms of Business](https://www.keegan-pennykid.com/terms-of-business/): CLIENT TERMS OF BUSINESS AGREEMENT - General Insurance
- [Links](https://www.keegan-pennykid.com/links/): We’ve compiled some useful links to help you navigate the complex world of insurance. From government agencies to industry associations, these resources can provide you with valuable information and assistance. From understanding the different types of cover, to finding the right insurance provider, the links should help you make informed decisions about your insurance needs. 
- [Make a Claim](https://www.keegan-pennykid.com/make-a-claim/): If you wish to make a claim, you must first locate your Insurer’s helpline telephone number from your policy documents.  The helpline assistant will ask you for the policy number and specific details of the claim.
- [Development Trusts](https://www.keegan-pennykid.com/insurance-types/specialist/development-trusts/)
- [Development Trusts](https://www.keegan-pennykid.com/insurance-types/charity-business/development-trusts/): Whether your Development Trust is long established or just in its infancy, you need to ensure that you have the right insurance cover in place.
- [Village & Community Halls](https://www.keegan-pennykid.com/insurance-types/specialist/village-community-halls/): Village & Community Halls are at the heart of rural communities in the UK.  They are invaluable community assets, a focus for communal activity and usually house a range of services.
- [Tennis & Bowling Clubs](https://www.keegan-pennykid.com/insurance-types/specialist/tennis-bowling-clubs/): We understand how important your club is to you, your members, and your community and if the worst does happen the importance that you are all back in the club as quickly as possible.
- [Community Councils](https://www.keegan-pennykid.com/insurance-types/specialist/community-councils/): Community Councils are unique, statutory bodies that cover self-defined communities and are independent of other democratic institutions, like Local Authorities.
- [Clubs, Scouts & Associations](https://www.keegan-pennykid.com/insurance-types/specialist/clubs-scouts-and-associations/): The insurance cover your organisation requires will depend upon its activities and may include cover for property, events, committee and general members and liabilities such as professional indemnity, trustees’ indemnity, public liability, and employer’s liability.
- [Churches](https://www.keegan-pennykid.com/insurance-types/specialist/churches/): Exposure to different types of risk has increased as churches move beyond traditional worship to become involved in wider, community-based activities. Inevitably, this places a greater burden on church officials to ensure that they have the correct insurance in place.
- [Block of Flats](https://www.keegan-pennykid.com/insurance-types/specialist/block-of-flats/): Whether purpose built, conversions or traditional tenement style properties, insuring the entire property, under a Block policy, provides advantages including reduced premium rates due to the overall sum insured.
- [Travel](https://www.keegan-pennykid.com/insurance-types/private-clients/travel/): You’re looking forward to your next holiday but have you got the right level of travel insurance protection? Depending on the number and duration of holidays you take over the year and the nature of them, you will need either a Single Trip policy or an Annual Travel policy.
- [Motor Breakdown](https://www.keegan-pennykid.com/insurance-types/private-clients/motor-breakdown/): Vehicle breakdown cover may not be a legal requirement but nonetheless it’s invaluable for individuals or organisations who may find themselves with a broken-down vehicle which requires to be repaired or transported to a garage.
- [Motor](https://www.keegan-pennykid.com/insurance-types/private-clients/motor/): Motor Insurance is compulsory and a legal requirement for both individuals and businesses. It is therefore important that you have the right level of cover for your needs.
- [Home](https://www.keegan-pennykid.com/insurance-types/private-clients/home/): For most of us, your home is the most valuable asset you will ever own. Needless to say, ensuring you protect your home with the right insurance cover is fundamental and we are here to assist.
- [Golf](https://www.keegan-pennykid.com/insurance-types/private-clients/golf/): Whether you’re a pro or you are an enthusiastic amateur, you might want to consider the benefits of golf insurance. Cover is provided anywhere in the United Kingdom and up to 120 days abroad and can include:
- [Trustees Indemnity](https://www.keegan-pennykid.com/insurance-types/charity-business/trustees-indemnity/): Trustee Indemnity insurance is designed to protect those who are alleged to be responsible, including Legal Defence Costs. Other cover features may include:
- [Social Enterprise Insurance](https://www.keegan-pennykid.com/insurance-types/charity-business/social-enterprise-insurance/): Whether your Social Enterprise is long established or just in its infancy, you need to ensure that you have the right insurance cover in place.
- [Shop](https://www.keegan-pennykid.com/insurance-types/charity-business/shop/): Shop insurance is essential for retailers who face basic risks to their business.
- [Residential Landlords](https://www.keegan-pennykid.com/insurance-types/charity-business/residential-landlords/): As the landlord of a building that is let or rented out for residential use, you need to ensure that you have a policy that gives you the best protection possible and is fulfilling your legal liability for that property.
- [Property Owners](https://www.keegan-pennykid.com/insurance-types/charity-business/property-owners/): The insurance cover your organisation requires will depend upon its activities and may include cover for property, events, committee and general members and liabilities such as professional indemnity, trustees’ indemnity, public liability, and employer’s liability.
- [Property  ](https://www.keegan-pennykid.com/insurance-types/charity-business/property/): Property Insurance provides cover for loss or damage to your assets as a result of insured risks such as fire, escape of water, impact, natural hazards, theft, subsidence, and accidental damage.
- [Professional Indemnity](https://www.keegan-pennykid.com/insurance-types/charity-business/professional-indemnity/): Professional indemnity can often be a misunderstood area, so we always try to explain things as simply as possible.
- [Office](https://www.keegan-pennykid.com/insurance-types/charity-business/office/): These days modern offices vary considerably, ranging from shared spaces to large open plan floors.
- [Motor Fleet](https://www.keegan-pennykid.com/insurance-types/charity-business/motor-fleet/): Motor Fleet insurance reduces your administrative burden as you will have one renewal date and one insurer. Additionally, insurers are likely to charge less per vehicle for a fleet than if each vehicle is covered separately.
- [Minibus](https://www.keegan-pennykid.com/insurance-types/charity-business/minibus/): If you need insurance for your minibus, Keegan & Pennykid has the ideal solution, via QBE Plus, the UK’s largest provider of minibus insurance.
- [Liability](https://www.keegan-pennykid.com/insurance-types/charity-business/liability/): Every organisation needs at least one of the three main liability covers, namely Employers Liability, Public Liability or Products Liability.  
- [Legal Expenses](https://www.keegan-pennykid.com/insurance-types/charity-business/legal-expenses/): For further information or advice about Legal Expenses Insurance, please call:
- [Hotels and Guest Houses](https://www.keegan-pennykid.com/insurance-types/charity-business/hotels-and-guest-houses/): When running a Hotel or Guest House you need to have the widest cover possible to ensure your establishment and its assets are properly protected, whilst also considering your legal liabilities towards others.
- [Events](https://www.keegan-pennykid.com/insurance-types/charity-business/events/): When planning an event, it’s important to ensure that you have appropriate insurance in place to help protect your event from unforeseen circumstances, which alongside damaging your reputation could leave you and your organisation significantly out of pocket.
- [Cyber](https://www.keegan-pennykid.com/insurance-types/charity-business/cyber/): The average cost of a cyber-attack is £4,200. Ah, you might say, but it’ll never happen to me.
- [Charity Insurance](https://www.keegan-pennykid.com/insurance-types/charity-business/charity-insurance/): Whether you’re a local voluntary organisation, a nationwide Charity or somewhere in between, you need to ensure that your organisation is suitably protected. The insurance cover your organisation will require will depend upon its activities and may include cover for property, events, volunteers, and liabilities such as professional indemnity, 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.
- [Business Travel](https://www.keegan-pennykid.com/insurance-types/charity-business/business-travel/): These days, it’s not unusual for staff or volunteers to travel to other parts of the country, or even abroad, as part of their work.
- [Specialist](https://www.keegan-pennykid.com/insurance-types/specialist/)
- [Private Clients](https://www.keegan-pennykid.com/insurance-types/private-clients/): Private Clients Our team of experts is dedicated to providing comprehensive insurance solutions to meet the individual needs of our private clients. Whether you are looking to protect your personal assets or your business interests, we have the knowledge and resources to help you secure the protection you need. Our team of experienced professionals take the time to understand your unique needs and tailor cover to fit your specific situation. In addition to our insurance offering, we also provide a complimentary claims service and risk management advice to help you mitigate potential losses and protect your assets.
For further information and advice or to get a quote, please call:
0131 225 600 Golf Find Out More Home Find Out More Motor Find Out More Motor Breakdown Find Out More Travel Find Out More Business Find Out More
- [Charity & Business](https://www.keegan-pennykid.com/insurance-types/charity-business/)
- [Contact](https://www.keegan-pennykid.com/contact-us/): Tel:0131 225 6005

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