Is Employers' Liability insurance always required for charities with volunteers?

Employers' Liability insurance is legally compulsory if your charity employs staff. Cover may also be arranged for many volunteers who are considered "deemed employees" for the purpose of this insurance if the charity directs their work, provides equipment, and benefits from their services, subject to underwriting criteria and terms. It is crucial to discuss your specific volunteer arrangements with a broker to ensure compliance.

Does Public Liability insurance provide cover for professional advice given by our charity?

Typically, Public Liability insurance excludes claims arising from professional advice or services. If your charity provides such services, you would generally need a separate Professional Indemnity insurance policy to provide cover for risks related to errors or omissions in that advice, subject to underwriting criteria and terms.

Are smaller charities less likely to be targeted by cyber attacks?

No, this is a common misconception. Data from the NCSC and Action Fraud consistently shows that charities of all sizes are vulnerable to cyber threats like phishing, ransomware, and mandate fraud. Smaller organisations can sometimes be seen as easier targets due to perceived weaker security, making Cyber insurance a vital consideration for all.

What is the FCA's Consumer Duty and how does it affect charity insurance in 2026?

The Financial Conduct Authority's (FCA) Consumer Duty (PS22/9) aims to ensure customers receive fair value, clear communications, and suitable products. While primarily impacting retail customers, its principles influence how insurers design and distribute products to all customers, including charities. This means insurers and brokers must demonstrate that charity insurance products offer fair value and meet the needs of the target market, leading to greater scrutiny of policy terms.

Can my personal home insurance provide cover for charity equipment stored at my house?

Personal home insurance policies almost universally exclude items used for business or commercial purposes. If charity assets are stored at a trustee's or volunteer's home, dedicated Contents insurance or All Risks Property insurance for the charity would typically be required to ensure these items are properly covered, subject to underwriting criteria and terms.

Understanding Charity Insurance for UK Voluntary Organisations in 2026

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