Question 1

What insurance does a charity or voluntary organisation need?

Accepted Answer

Most charities and voluntary organisations require public liability insurance as a minimum, which covers claims from third parties for injury or property damage. If you have employees or volunteers, you may also need employers liability insurance. Depending on your activities, you may also require trustee indemnity insurance, event insurance, or professional indemnity cover.

Question 2

What is trustee indemnity insurance?

Accepted Answer

Trustee indemnity insurance protects charity trustees and directors against personal liability for claims arising from alleged wrongful acts in the management of the charity. Trustees can be held personally liable for decisions made in their capacity as a trustee, and this cover provides financial protection against such claims.

Question 3

Do clubs and associations need insurance?

Accepted Answer

Yes. Sports clubs, social clubs, and community associations typically need public liability insurance to cover activities and events. If the club owns or occupies premises, buildings and contents insurance will also be required. Clubs with employees or regular volunteers should also consider employers liability insurance.

Question 4

What is event insurance and when do I need it?

Accepted Answer

Event insurance covers financial losses arising from the cancellation, postponement, or abandonment of an event due to circumstances outside your control, as well as public liability for attendees. It is relevant for any organisation hosting public events, fundraisers, or large gatherings.

Insurance for Organisations & Groups