charity insurance target business guide

Ecclesiastical has the capacity to write the largest risks

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Ecclesiastical currently cares for around 3,500 charity customers – and the majority of them have been with us for over three years.

We have many years’ experience in the sector and some of the well-known charities that we insure include The Children’s Society [Registered Number: 221124], The Landmark Trust [Registered Number: 243312] and Emmaus Communities [Registered Number: 1064470].

Ecclesiastical has the capacity to write the largest risks. It accommodates several major exposures within its existing portfolio – St Paul’s Cathedral and Eton College.

Charity risks are underwritten and rated on their individual merits and by working closely with you, we can develop the right solution for your customers.

Our straightforward target business guide shows the wide range of charity business we target.

The following outlines the types of sector risks that we are looking to write.

PD = Property Damage
BI = Business Interruption
PL = Public Liability
EL = Employer's Liability

Type of Charity	PD	BI	PL	EL	Comments
Amateur sports
Amateur sports clubs	a	a	a	a
Sport for the Disabled	a	a	a	a
Animal welfare
Animal hospitals, catteries & kennels	a	a	a	a
Zoos, wildlife and safari parks	a	a	a	a
Sea life centres	a	a	a	a
Bird sanctuaries	a	a	a	a
Animal welfare charities	a	a	a	a	UK based only with no overseas activities.
Horse riding risks	a	a	r	r
Arts
Orchestras	a	a	a	a	UK based only
Other performers	a	a	a	a	UK based only
Exhibitions	a	a	a	a
Film and arts festivals	a	a	a	a
Folk festivals	a	a	a	a
Theatres	a	a	a	a
Photographic societies	a	a	a	a
Other "hands on" graphic arts	a	a	a	a
Choral and light opera societies	a	a	a	a
Dance & drama studios	a	a	a	a
Theatre groups	a	a	a	a
Care	a	a	a	a	Where appropriate we will use our specialist Care Sector policy.
Care homes	a	a	a	a
Children's homes	a	a	a	a	Accommodation business - each case is carefully underwritten on its own merits
Clinics which are involved in the rehabilitation of substance/alcohol abusers	a	a	a	a	Accommodation business - each case is carefully underwritten on its own merits
Detention Centres	r	r	r	r	Not a target market for Ecclesiastical
Domiciliary care	a	a	a	a
Hostels	a	a	a	a	Excluding bail hostels
Secure units or secure accommodation	r	r	r	r	Not a target market for Ecclesiastical
Supported Living	a	a	a	a
Sheltered accommodation	a	a	a	a
Charity shops
Charity shops	a	a	a	a	Commercial policy only, not on a Shop Package contract
Clubs
Flying and gliding clubs	a	a	r	r
Military and Regimental clubs and associations	a	a	a	a
Livery companies (eg the Worshipful company of.....etc.)	a	a	a	a
Motoring and advanced driving	a	a	r	r
Pastimes, bridge, chess etc.	a	a	a	a
Rifle and pistol clubs	a	a	r	r
Sports clubs	a	a	r	r
Community	a	a	a	a	Excluding work on bridges, viaducts, canals, rivers and railways.
Civic Trusts	a	a	a	a	Excluding use of chainsaws (for railway and inland waterway trusts see Preservation section)
Community ownership	a	a	a	a
Conservation area trusts	a	a	a	a
Ground work trusts	a	a	a	a
Cycling and sustainable transport infrastructure	a	a	a	a
Transport pressure groups	a	a	a	a
Greenbelt Trusts	a	a	a	a
Open gardens and gardening organisations	a	a	a	a
Parks	a	a	a	a
Public monument, war memorial and graveyard protection and preservation	a	a	a	a
Community facilities
Artists studios	a	a	a	a
Arts or technology support	a	a	a	a
Fetes and gala days	a	a	a	a
Advice and/or support organisations and centres	a	a	a	a	Liability cover excludes all advice for which seperate PI arrangements are necessary
Hospital radios	a	a	a	a
Organisations administering, governing and encouraging sport	a	a	a	a
Disability
Sport support	a	a	a	a
Education	a	a	a	a	We will normally use our specialist Education policy
Independent schools	a	a	a	a
Indepedent faith schools and religious schools	a	a	a	a
Residential centres and training centres	a	a	a	a	Excluding hazardous activities or the operation of activity centres unless picked up by specialist third party service providers
Housing
Almshouses	a	a	a	a
Housing associations	a	a	a	a	Written on our Commercial policy
Land
Agricultural societies	a	a	a	a	See also Preservation section
Bontanical horticultural societies	a	a	a	a
Estate trusts	a	a	a	a
Protectors of rights of way	a	a	a	a
Waterfront and estuary protection	a	a	a	a
Woodland preservation	a	a	a	a
Museums
Art gallery	a	a	a	a
Museum	a	a	a	a
Interactive museums	a	a	a	a
Libraries	a	a	a	a
Working museums	a	a	a	a
Natural history and wildlife
Habitat protection	a	a	a	a
Socities for protection of particular species of animal or flower	a	a	a	a
Wildlife trust	a	a	a	a
Overseas charities
Charities with more than occasional, short-term, non-manual visits abroad	a	a	r	r	The property/BI cover would normally only operate for premises in the UK
Parks
Municipal parks	a	a	a	a
Country parks and wildlife centres	a	a	a	a
Preservation	a	a	a	a	See also Land section
Building preservation trusts	a	a	a	a
Historic building societies	a	a	a	a
Historic skills	a	a	a	a
Mechanical/industrial preservation	a	a	a	a
Inland waterways, canal and railway preservation	a	a	a	a
Recycling
Fridges and other products with contaminants	a	a	a	a	Not large scale or high hazard activities. For all types of charity in this group a full understanding of the type and scale of activity is required. Risks with any manufacturing or waste processing element are likely to be written under our Commercial Industrial policy
Furniture, clothes	a	a	a	a
Glass, plastics and other industrial processes	a	a	a	a	Written under Commercial Industrial policy
Street collection	a	a	a	a
Religion
Churches and places of worship	a	a	a	a	Written under our specialist Churchcare policy

Category	PD	BI	EL	PL	Comments
Research	a	a	a	a	We avoid all types of activity involving gene manipulation or testing on animals. Riskswith any manufacturing element are likely to be written under Commercial Industrial policy
General agriculture	a	a	a	a	Excluding GM crops
Breeding and rearing of livestock	a	a	a	a
Crop protection	a	a	a	a	Excluding GM crops or gene manipulation
Crop research	a	a	a	a	Excluding GM crops or gene manipulation
Academic research funds	a	a	a	a
Other research funds	a	a	a	a
Antiquarian societies	a	a	a	a
Historical societies	a	a	a	a
Law trusts and institutes	a	a	a	a
Literary societies	a	a	a	a
Medical including AIDS and sexually transmitted diseases	a	a	r	r	We will not offer any terms for the liability exposures or at all if there is any involvement with testing and/or experimenting with or use of any animals
Animal diseases	a	a	r	r
Astronomy	a	a	a	a
Biotech	r	r	r	r
Complementary medicines	a	a	r	r
Gene therapy	r	r	r	r
Homeopathic dermatology	a	a	r	r
Human diseases	a	a	r	r
Minimise disabilities	a	a	r	r
Occupational medicine	a	a	r	r
Psychology	a	a	r	r
General science	a	a	a	a	Acceptability dependent upon precise activities
Sports
Highland games and regional sporting events	a	a	a	a	Amateur sports only
Village and community halls
Village and community halls	a	a	a	a
Appreciation societies, language groups, local history etc.	a	a	a	a
Youth
Adventure centres	a	a	r	r
Youth adventure activities	a	a	r	r
Adventure parks	a	a	r	r
Air Corps and Cadets	a	a	r	r
Scouts, Boys Brigade, Guides etc	a	a	a	a	Subject to Child Protection procedures
Youth clubs	a	a	a	a	Subject to location, construction, security, loss history, and Protection Procedures. We would not include 'hazardous activities' or the operation of Activity centres unless provided by specialist third party service providers
Young farmers	a	a	a	a
Youth festivals	a	a	a	a
Arts, technology, dance and movement support	a	a	a	a