Specialist Insurance for Charities & Community Groups

Considerable amounts can be spent on assets, so if you have property from which you run your organisation, it is important you have the correct buildings and contents insurance in place to protect them. It is also important to make sure you have adequate cover for any donated items as you will still need to insure them at the value of a modern-day equivalent.

Triggered by a material damage claim, such as a fire, this can cover loss of revenue over a specified time frame. The cover aims to help the organisation remain financially stable during the time you are unable to operate.

There is a wide range of services covered under a Legal Expenses insurance policy; this can include cover in respect of employment disputes, coroner’s inquests and compliance/regulatory action. It is extremely important to understand the conditions applicable to a legal expenses policy, such as the ‘prospect of success’ clause and ‘advice precedent’ clauses, which your broker should explain prior to cover being incepted.

Medical Malpractice occurs when a medical or health care professional, through a negligent act or omission, deviates from standards in their profession, thereby causing injury to a patient or service-user. This could be, for example, a failure to administer or prompt the use of medication. This cover would typically be required should your organisation provide personal care, advise on care plans or provide any form of treatment.