Running a charity comes with important responsibilities. From protecting your people and property to managing the risks involved in delivering your services, having the right insurance matters.
At Dixons, we take the time to understand how your charity operates, the people you support and the work you carry out. We help you explore insurance options that are appropriate for your organisation.
Charities operate in many different ways, but they all have responsibilities to the people they employ, the communities they serve and the assets they depend on.
Understanding those responsibilities is an important first step towards arranging appropriate insurance protection.
Whether you employ a team or rely on volunteers, it's important to consider the responsibilities and risks associated with the people working on behalf of your charity.
PEOPLE & EMPLOYMENTFrom offices and community buildings to specialist equipment and everyday contents, your charity may depend on physical assets that need protecting.
PROPERTY & ASSETSTrustees and senior management can face difficult decisions and important responsibilities when overseeing the charity's activities and finances.
GOVERNANCE & LEADERSHIPWelcoming visitors, supporting service users and opening your premises to the public can create risks that need careful consideration.
PUBLIC RESPONSIBILITYFundraising activities, community events and organised gatherings can introduce additional responsibilities, particularly where members of the public attend.
EVENTS & ACTIVITIESCharities providing specialist support, guidance or advice should consider the potential risks associated with the services they deliver.
ADVICE & SERVICESThe right starting point is understanding what your organisation does, who it supports and what it needs to protect.
From protecting your employees and volunteers to safeguarding your buildings, finances and responsibilities, we can help you explore a range of commercial insurance options for your charity.
If your charity employs staff, employers' liability insurance is generally a legal requirement. It can protect against claims from employees who suffer injury or illness arising from their work.
PEOPLE & EMPLOYMENTWhether welcoming visitors, delivering services or organising activities, public liability insurance can provide protection against claims involving injury to third parties or damage to their property.
PUBLIC RESPONSIBILITYTrustees and senior managers make important decisions. Management liability insurance can help protect against certain claims arising from alleged wrongful acts in their management responsibilities.
GOVERNANCE & LEADERSHIPProtection for charity-owned or occupied premises, office equipment, furniture, stock and specialist equipment. The right arrangements depend on your property and how it is used.
PROPERTY & ASSETSCover to consider where your charity provides professional services, advice, guidance or specialist support to individuals and organisations.
ADVICE & SERVICESConsider protection for fundraising events, public gatherings, sponsored activities and other events organised by your charity. Requirements will depend on the activities involved.
EVENTS & ACTIVITIESThe insurance you need will depend on your activities, people, property and responsibilities. We'll help you understand the options available.
Insurance cover is subject to insurer terms, conditions, exclusions and acceptance. Not every policy will be suitable or necessary for every charity.
Choosing charity insurance isn't simply about finding a policy. It's about understanding your organisation, the people who depend on it and the responsibilities that come with the work you do.
At Dixons, we believe good insurance starts with a conversation. We take the time to understand how your charity operates, identify the risks you need to consider and help you explore appropriate insurance solutions.
SPEAK TO OUR TEAM →Speak to people who take the time to understand your organisation, rather than treating you as just another policy number.
Every charity is different. We look at your activities, people, premises and responsibilities before discussing the insurance options available.
We understand the complexities of commercial insurance and help you navigate the different covers, requirements and considerations relevant to your charity.
Your organisation can change over time. We believe in maintaining a relationship and helping you review your insurance requirements as your circumstances evolve.
Tell us about your organisation and what you're looking to protect. We'll help you take the next step.
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Read Our Google Reviews →Understanding your charity's insurance responsibilities can feel complicated. Here are answers to some of the questions we regularly encounter.
If your charity employs staff, employers' liability insurance is generally a legal requirement in the UK, with some limited exemptions. It provides protection against certain claims from employees who suffer injury or illness arising from their work.
If your charity relies entirely on volunteers, the position can be different. We can help you understand the insurance considerations for your organisation.
Public liability insurance is not generally a legal requirement for charities, but it is an important consideration for organisations that interact with the public.
It can provide protection against certain claims involving accidental injury to third parties or damage to their property. Some landlords, venues and funding arrangements may also require evidence of cover.
Cover for volunteers depends on the policies arranged and their individual terms. Public liability, personal accident and other relevant covers may need to be considered.
It is important to tell your broker how many volunteers support your charity and the activities they undertake.
Trustees have important legal and management responsibilities. Trustees' and directors' liability insurance, often arranged as part of a management liability policy, can help protect against certain claims arising from alleged wrongful acts in their management capacity.
The protection provided will depend on the policy wording, exclusions and conditions.
Some charity insurance policies may include certain events and fundraising activities, but this should never be assumed. Cover depends on the type of event, activities, attendance and policy terms.
Tell your broker about regular fundraising events, one-off activities and any unusual risks so that the arrangements can be reviewed.
Yes, depending on the circumstances and the interest your charity has in the property. A charity renting or occupying premises may need to consider contents, tenants' improvements, fixtures and other liabilities.
The building insurance responsibility should be checked against your lease or occupancy agreement.
Yes. Newly registered charities can explore insurance arrangements appropriate to their activities and circumstances. The type of cover required will depend on what the charity does, whether it employs staff, and whether it operates from its own premises.
It is worth considering insurance before starting activities or welcoming employees, volunteers and members of the public.
Your charity's insurance should be reviewed at renewal and whenever there are significant changes to its activities, premises, employees, volunteers, income or responsibilities.
Keeping your broker informed helps ensure your insurance arrangements continue to reflect how your organisation operates.
Running a charity comes with responsibilities, challenges and people who depend on you. Having the right insurance arrangements in place can give you greater confidence to focus on the work that matters.
Speak to Dixons about your organisation, the work you do and the risks you need to consider. We'll take the time to understand your requirements and explore the options available.
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