Your organisation exists to make a positive difference. Whether you support local communities, deliver vital services or champion a particular cause, having the right insurance protection matters. We help not-for-profit organisations understand their risks and find cover suited to their needs.
Supporting the organisations that make a difference.
Not-for-profit organisations face a range of responsibilities, from looking after employees and volunteers to protecting property, managing funds and delivering services. Understanding these risks is the first step towards finding the right protection.
Whether you employ staff or rely on volunteers, it's important to consider the risks associated with their roles, activities and responsibilities.
Providing services, advice or support can bring your organisation into contact with members of the public, service users and visitors, creating potential liability exposures.
Offices, community premises, equipment, furniture and other property may be essential to keeping your organisation operating effectively.
Trustees, directors and committee members make important decisions and carry responsibilities that can expose them to certain management-related claims.
Fundraising activities, public events, community projects and organised activities can introduce additional risks that need to be considered.
Managing funds, providing guidance and delivering specialist services can create financial and professional responsibilities for your organisation.
Every not-for-profit organisation is different. The insurance you need will depend on the services you provide, the people you work with and the responsibilities you hold. We can help you understand the options and arrange protection around your needs.
Protection against claims involving injury to members of the public or damage to their property arising from your organisation's activities.
Cover for claims made by employees who suffer injury or illness as a result of their work for your organisation, subject to policy terms and applicable requirements.
Protection for offices, community premises, furniture, equipment and other insured property against covered events such as fire, flood and theft.
Protection for eligible trustees, directors and management committee members against certain claims arising from decisions and management responsibilities.
Cover to consider where your organisation provides advice, guidance, professional services or specialist support to individuals and other organisations.
Protection to consider against certain cyber incidents, data breaches and associated disruption that could affect your organisation and the people it supports.
Running a not-for-profit organisation brings its own responsibilities. You need insurance support that recognises the people you help, the services you provide and the work that goes on behind the scenes.
Speak to people who take the time to understand your organisation and are happy to talk through your insurance requirements.
We consider your activities, employees, volunteers, premises and responsibilities when helping you explore suitable cover.
We help you understand the different types of protection available and how they may relate to the risks your organisation faces.
As your organisation changes, your insurance needs may change too. We can help review your arrangements as your activities develop.
Looking for insurance support for your not-for-profit organisation? Let's start with a conversation.
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Read Our Google Reviews →Understanding insurance can be difficult when you're busy running an organisation. Here are answers to some common questions.
This depends on what your organisation does, who it works with and the risks it faces. Common considerations include public liability, employers' liability, buildings and contents, trustees' and management liability, professional indemnity and cyber insurance. The right combination will depend on your individual circumstances.
Public liability insurance can help protect your organisation if a member of the public, visitor or service user claims they have suffered injury or property damage because of your organisation's activities. Whether it is appropriate will depend on the work you carry out and the risks involved.
Volunteer cover depends on the wording and scope of the policy. Some policies can include volunteers within their cover, while others may have specific definitions or conditions. It is important to check that your arrangements reflect the work volunteers actually undertake.
Organisations that employ staff will generally need to consider employers' liability insurance. There are specific legal requirements and exemptions, so your organisation should check its individual position. We can help you understand the insurance arrangements relevant to your circumstances.
Buildings and contents insurance may be available to protect premises, furniture, equipment and other property against insured events. The appropriate cover will depend on whether you own, rent or occupy the premises and the nature and value of the property.
This type of insurance can help protect trustees, directors and other people in management positions against certain claims arising from decisions or actions taken in their organisational roles. The precise protection depends on the policy wording, limits and exclusions.
If your organisation stores personal information, uses email, takes payments or relies on digital systems, cyber risks are worth considering. Cyber insurance may provide support following certain cyber incidents, subject to the policy's terms, conditions and exclusions.
You should review your insurance at renewal and whenever something significant changes. This might include taking on employees, recruiting more volunteers, moving premises, starting new activities, increasing turnover or handling different types of information.
Have a question about your organisation's insurance? Speak to the Dixons Insurance team.
Your organisation exists to make a positive impact. Let us help you explore insurance protection that reflects your work, your people and the responsibilities you carry.
Speak to our team for a friendly, no-obligation conversation.
