Charity Insurance for Non-Profits & Community Groups | SRS Insurance
Protect your charity, trustees, and volunteers with tailored Charity Insurance from SRS. Public liability, trustee indemnity, safeguarding, and event cover available.
What Is Charity Insurance?
Charity Insurance protects your organisation, trustees, staff, and volunteers from the unique risks faced by non-profits and community groups.
Whether you run a local food bank, youth project, religious organisation, or national charity, the right insurance ensures your cause — and the people behind it — are fully protected.
What Does Charity Insurance Include?
A flexible Charity Insurance policy from SRS Insurance can include:
Public Liability Insurance
Covers injury or property damage to third parties at events or during activities.
Employers’ Liability Insurance
Legally required if you have staff or volunteers working under your direction.
Trustee Indemnity / Management Liability
Protects trustees and officers from personal claims linked to mismanagement, compliance failures, or decision-making errors.
Professional Indemnity
For organisations offering advice, counselling, or case support.
Abuse & Safeguarding Cover
Essential for charities supporting children, elderly, or vulnerable adults.
Property Insurance
Protects buildings, offices, and contents including computers and equipment.
Event Insurance
Covers fundraising events such as fêtes, galas, sponsored walks, or community days.
Cyber Insurance (optional)
For charities handling donor information or sensitive client data.
Legal Expenses
Covers the cost of tribunals, employment disputes, or contractual disagreements.
Example Scenarios Covered
- A volunteer injures their back lifting boxes during a food bank delivery
- A safeguarding allegation is made against a youth support worker
- A donor sues trustees for alleged misuse of funds
- A laptop containing personal data is stolen from an office
- A fundraising event causes accidental damage at a hired venue
How Much Does Charity Insurance Cost?
Premiums depend on:
- Charity size and annual turnover
- Number of staff and volunteers
- Activities undertaken and level of public interaction
- Work with vulnerable individuals
- Property ownership and event exposure
Typical guide:
- Small local charity: from £150–£500 per year
- Mid-sized charity with staff/outreach: £500–£2,000+
- Charities with property or safeguarding risk: typically higher
SRS Insurance sources quotes from specialist charity underwriters, ensuring your organisation only pays for the cover it needs.
Common Mistakes Charities Make
- Assuming volunteers don’t need insurance (they do!)
- Believing the venue or church insurance covers their activities
- Trustees unaware they can be personally liable for claims
- Running public events without event-specific cover
With SRS Insurance, you get specialist guidance from advisers who understand the charity and social care sectors.
Why Choose SRS Insurance?
- Experts in charity, CIC, and non-profit insurance
- Tailored policies for volunteers, trustees, and events
- Access to leading UK insurers at competitive rates
- Support for CQC-registered, community, and faith organisations
- Fast, friendly service with claims handled personally
Get a Quote Today
Safeguard your people, property, and purpose with SRS Charity Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.