Is charity insurance a legal requirement in the UK?

While not all types of charity insurance are legally mandatory, Employers' Liability insurance is compulsory for most charities with employees, including certain types of volunteers, under the Employers' Liability (Compulsory Insurance) Act 1969. Other covers, while not legally required, are often essential for responsible operation and protecting the charity's assets and reputation.

Does charity insurance cover volunteers?

Yes, charity insurance policies are typically designed to extend cover to volunteers. Employers' Liability insurance may cover volunteers who are deemed to be working under the direction and control of the charity, and Public Liability insurance generally covers claims arising from the actions of volunteers in the course of their duties. It's important to clarify the extent of volunteer cover with your broker.

How much does charity insurance cost in the UK?

The cost of charity insurance varies significantly based on factors such as the charity's size, activities, annual turnover, number of employees and volunteers, assets, claims history, and the specific types and levels of cover chosen. A small, low-risk charity might pay a few hundred pounds annually, while larger, more complex organisations could pay substantially more.

What happens if a charity doesn't have adequate insurance?

Without adequate charity insurance, an organisation faces significant financial risks. It could be liable for substantial legal costs and compensation payments in the event of an accident, injury, property damage, or negligence claim. This could deplete funds intended for charitable work, damage its reputation, and in severe cases, lead to the charity's closure. Failure to hold mandatory Employers' Liability insurance can also result in significant fines.

Can a small voluntary group get charity insurance?

Yes, absolutely. Even small voluntary groups and community organisations face risks and can obtain charity insurance. Many insurers offer tailored packages for smaller groups, often at more accessible price points, to ensure they have essential protections like Public Liability and Trustee Indemnity.

Charity Insurance UK: What Voluntary Organisations Need to Know in 2026

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