Social Enterprises

Social Enterprises

As one of the leading insurance brokers in the UK for the third sector, we are well-positioned to help Social Enterprises with their insurance and risk management needs from the very beginning of their journey and throughout their development and growth. Our service is advice-based while being independent and impartial which allows us to source the appropriate cover tailored to your needs.  As an independent broker, we have access to a range of specialist insurers as well as our own Encompass policy, which has been specifically designed to meet the insurance needs of the third sector.

Keegan & Pennykid is an Associate of Social Enterprise Scotland.  If you would like further information or advice about insurance for Social Enterprises or to get a quote, please contact us.

What Insurances do Social Enterprises need?

The cover you need will very much depend on what your Social Enterprise does. There are statutory covers too that you must have where you have a legal need to do so. This would be Employers Liability, Third Party Motor Vehicle insurance and inspection of certain items of plant and equipment where you own such assets or have such responsibility for inspections.. Any Social Enterprise should also consider other Insurances as essential e.g. Public/Products Liability, All Risks cover for loss or damage to assets, Business Interruption (Loss of Income), Cyber plus other appropriate covers relevant to your activities.  Our role is to advise and help you with your cover needs and, as an independent insurance broker, we are able to source the most appropriate policy to meet those needs at a competitive premium.  Contact our Charity and Commercial Department on 0131 225 6005 (option 2) to discuss your organisation’s specific requirements.

How much will insurance cost?

There are many factors which affect the cost of insurance from the assets which you own or are responsible for and the range of activities/services that you operate.  Whilst premium is an important factor when arranging insurance, it is vital to ensure that your organisation has the appropriate cover in place.  As a specialist insurance broker we’re able to advise you on your organisation’s specific insurance needs and with access to a number of  specialist insurance policies for Social Enterprises, including our own Encompass policy for the third sector, you can be assured of the most appropriate cover at a competitive premium.


Cyber Insurance – what is it and what does it cover?

Cyber-attacks are now more common than ever, and their complexity too is increasing.  Any organisation or business, irrespective of size, is at risk of reputational damage, interruption to its core services and activities and potentially significant unplanned financial costs. For those very reasons alone, we recommend that all businesses should consider taking out a cyber insurance policy.  Contact us for advice and a cyber insurance quote.


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