Charity Insurance

Specialist insurance built to protect your charity, your people, and the vital services you provide.

Manage charity risks

Insurance for charities

Running a charity is about making a difference, not worrying about what might go wrong. We aim to provide more than just a policy - we help protect your people, assets, and activities so you can focus on your cause with confidence.

What's covered by charity insurance?

Public and products liability

Ensures you’re covered for claims made by a member of the public due to injury or third-party property damage.

Employee liability

Safeguard your business against employee claims, including legal and compensation expenses. If you have paid staff, it’s a legal requirement to have this cover in place.

Trustee indemnity

Financially protects trustees or board members if a claim is made against them.

Business interruption

Cover for loss of gross profit, revenue and rental income if your charity cannot operate for a reason insured on your policy.

Legal cover

Provides cover for legal costs due to a dispute, including a 24-hour legal advice helpline.

Property damage

Damage to buildings, contents, stock, computer equipment and tenant improvements (structural and cosmetic improvements made to the building by your charity and not covered by the landlord's insurance).

Money

Credit and debit card fraud, identity theft following the fraudulent use of business identity, auditors fees and rewriting of systems records.

Documents

The summary of cover is an outline of the standard cover provided under the policy and is not personalised to you. The cover you choose will depend on your circumstances and will be shown on your policy schedule. The schedule will also detail some changes we have made relating to infectious and communicable diseases and cyber-related incidents.

Charity and community insurance summary of cover (PDF)

1 September 2025

Charity and community - risk appetite guide (PDF) - Broker use only

10 July 2018

Why choose Ecclesiastical?

Practical guidance from our risk team - including help with building valuations, access to a comprehensive library of resources, and a dedicated risk helpline.
Personalised claims support - direct contact with the specialist handling your case, for clear communication and a smoother experience.
We believe that better business can better lives - we're proudly part of the Benefact Group and donate our available profits to good causes.

96% Claims Satisfaction

Ecclesiastical Settled Property Claims Customers 2024, responses from 589 customers who had their claim settled.

Claims

Charity risk management

Risk support, templates, guides and checklists to help your charity manage risks well.

Charity risk support

Fundraising support

Find fundraising resources from the Benefact Group, from tips for your grant applications to free webinars.

Charity support

Awards and accreditation

Need a quote?

Our charity insurance is only available through a broker. Speak to your broker for more details about our specialist range of insurance products.

Useful links

Customer helplines Charity risk management

Charity sector insights Make a claim

Experiencing financial difficulty?

If you are struggling to make payments for affordability reasons or logistical issues, please contact us (or your broker) as we may be able to support you with practical help.

MoneyHelper | GOV.UK | Citizens Advice

Our charitable purpose

As part of the Benefact Group, all our available profits go to charities and other good causes, with £250 million donated over the past 10 years.

Learn more about Benefact Group