Charity Insurance UK
Independent guides to insurance for UK charities and non-profits — public liability, trustee liability, volunteer cover, fundraising events and charity property protection, explained in plain English.
Protecting Charities, Trustees, Volunteers and Beneficiaries
The Charity Insurance Division covers the specific risks charities and non-profits face — from everyday public liability to trustee decision-making, volunteer activities and one-off fundraising events. Whatever the size of your organisation, you'll find dedicated departments and practical guidance in one place.
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Explore Charity Insurance Departments
Choose a specialist department below to explore in-depth guides and practical resources for your charity or non-profit.
Charity Insurance
An overview of core cover options every UK charity should consider.
Charity Public Liability
Cover for claims from members of the public injured or affected by your charity's activities.
Trustee Liability Insurance
Protection for individual trustees against personal liability arising from their role.
Volunteer Insurance
Cover extending liability and accident protection to volunteers carrying out charity work.
Charity Property Insurance
Cover for buildings, contents and equipment owned or used by the charity.
Fundraising Event Insurance
Cover for one-off fundraising events, from small fetes to large public gatherings.
Charity Insurance FAQs
Do charities need insurance in the UK?
Charities are not automatically exempt from the same legal insurance requirements as other organisations. If a charity has employees, employers' liability insurance is a legal requirement, and most charities also carry public liability and trustee liability cover to manage everyday risks.
What is trustee liability insurance?
Trustee liability insurance (also called charity trustee indemnity insurance) protects individual trustees against personal financial loss if they're held liable for a decision or action taken in their role, subject to policy terms and legal limits.
Are volunteers covered under charity insurance?
Many charity insurance policies can include cover for volunteers, but this isn't automatic — it's important to check whether a policy explicitly extends to volunteer activities and confirm this with the insurer before relying on it.
Does charity insurance cover fundraising events?
Some charity policies include fundraising event cover as standard, while others require it as an add-on or a separate policy — particularly for larger public events with higher footfall or specific activities like fun runs or fetes.
Related Insurance Divisions
Continue exploring other specialist insurance divisions available on PrimeInsuranceUK.
Business Insurance
Insurance for businesses, employers and commercial operations.
Property Insurance
Buildings, contents, landlord and commercial property insurance.
Public Sector Insurance
Cover for public bodies, councils and government-linked organisations.
Protection Insurance
Income, life, mortgage and financial protection insurance.
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