For Charities, Community Groups, and Social Enterprises Who Are Building a Better World.
Protect Your Purpose.
Power Your Impact.
You’re driven by purpose, building stronger communities, and making a real difference. But even the most vital work faces risks. At Planet Protection, we believe your insurance shouldn’t just shield you; instead, it should actively align with your values and your mission.
We’re here to offer more than just policies. We provide Consciously Good Insurance. Our solutions are transparent and ethical, designed to strengthen your vital work, not undermine it. Your premiums won’t fund fossil fuels or harmful industries. Instead, they support a financial system that works for people and the planet.
Our Trusted Partners
Why Choose Planet Protection?
- Values-Aligned Protection: Your money stays out of unethical investments.
- Transparent Impact: We show you exactly where your premiums go and the positive difference they make.
- Tailored for Your Work: Specialised coverage that understands the unique risks and nuances of the charity and community sector.
- Pioneering Ethical Insurance: Join a movement that's transforming the financial industry, starting with insurance.
- Dedicated Support: Our team understands your world and is here to guide you every step of the way.
Our Consciously Good Insurance Solutions
We offer a suite of ethical insurance products, each designed to meet the specific needs of organisations committed to positive change.
Charity & Community Combined Insurance
This comprehensive safeguard covers registered charities, CICs, not-for-profits, social enterprises, and voluntary organisations. We accommodate a wide range of risks, from smaller local initiatives with premiums starting at £80 + IPT, to larger organisations with significant property values.
Who it's for:
Registered Charities, CICs, Not-for-Profits, Social Enterprises, and Voluntary Organisations.
Key focus:
Comprehensive coverage for diverse organisations and risk sizes, including properties up to £40m TSI per location.
Property Owners Product
Protect the spaces that bring your community together. Our Property Owners product is designed for non-profit affiliated properties that serve the community. We don’t cover unoccupied properties, buy-to-let, or residential buildings, focusing instead on properties that are the heart of community and charitable activity.
Who it's for:
Non-profit affiliated properties like Theatres, Libraries, Museums, Care Homes, Community Halls.
Key focus:
Dedicated property cover for community-serving assets in the not-for-profit sector.
Clubs, Groups & Societies
For those essential groups fostering connection and shared purpose. This cover is specifically tailored for organisations with a closed membership, suitable for both not-for-profit and for-profit entities that align with our ethical appetite.
Who it's for:
Groups with a closed membership, fitting our ethical appetite (both not-for-profit and for-profit).
Key focus:
Specialised coverage for the unique activities and responsibilities of clubs, groups, and societies.
Events Insurance
Ensure your gatherings go off without a hitch and your efforts are protected. We provide cover for short-term events or annual policies for up to 25 events per year, including cancellation cover. Please note: we do not cover event organisers themselves.
Who it's for:
Organisations hosting events (not event organisers).
Key focus:
Short-term or annual event cover (up to 25 events), with optional cancellation.
Ethical Business & Social Enterprise Insurance
For businesses driven by more than just profit. If you’re an ethical business or social enterprise, this product is made for you. It’s not designed for allied trades or warehouse-type risks, so please refer to our appetite guide for specifics.
Who it's for:
Ethical Businesses and Social Enterprises.
Key focus:
Insurance tailored for values-aligned businesses.
Care & Welfare Insurance
Protecting those who care for others. This cover focuses on charitable care liability, out-of-school care, and recreational activities. Please note, this is not designed for commercial care liabilities. Material Damage and Business Interruption cover are available in isolation.
Who it's for:
Charitable care organisations, out-of-school care, and recreational services.
Key focus:
Charitable care liability, with Material Damage and Business Interruption available in isolation.
Built on Solid Ground. Not Empty Promises.
- Students Organising for Sustainability (SOS-UK): Ensuring our approach resonates with the very students you serve.
- NBS Insurance: With deep expertise in coverage specifically for the nuances of student unions.
- Ecclesiastical: Our capacity provider, renowned for their understanding of the university sector.
Testimonials
What Our Partners Are Saying
Student Union President
Midlands University
Commercial Services Manager
Welsh University Union
Ready to Make the Switch?
It's Easier Than You Think
Technology That Works
- Seamless Start: An intuitive platform designed with Charities and Community Groups in mind.
- Smart Insights: Intelligent analysis of your current policies and documents.
- Real-Time Impact: Track your environmental contribution with a dynamic dashboard.
- Effortless Reporting: Integrated metrics to simplify your sustainability reporting.
- Always-On Support: AI-assisted claims guidance, 24/7.
A Smooth Transition
- No-Obligation Review: We'll dissect your current coverage, highlighting gaps and opportunities.
- A Proposal Built for You: A customised package tailored to your unique organisation.
- We Handle the Heavy Lifting: We manage the paperwork, ensuring continuous coverage.
- Quick Start: Fast onboarding to your digital dashboard and impact tracking.
- Dedicated Partnership: Ongoing support from our organisation specialists.
The Time to Act is Now.
Most Charities, Community Groups, and Social Enterprises review their insurance annually, often with the rhythm of the financial year. The sweet spot for exploring your options? About 2-3 months before your renewal date.
Join the Movement Today
Ready to Protect Your Purpose?
faqs
Straight Answers, No Jargon.
How does your coverage stack up against traditional insurers?
Our coverage is comprehensive and specifically designed for the complexities of Charities, Community Groups and Social Enterprises. You get all the standard protections, plus transparent impact reporting and the assurance that your money isn’t funding unethical industries.
What makes your insurance genuinely 'ethical'?
We put our money where our mouth is. Your premiums will never be invested in fossil fuels, weapons manufacturers, or migrant detention facilities. We provide complete transparency about where your money goes and actively allocate a portion to environmental projects with measurable impact.
Is the switch process complicated?
Absolutely not. We’ve designed a seamless process. We analyse your current policies, identify any gaps, handle all the necessary paperwork, and ensure a smooth transition with zero interruption to your coverage.
How do we explain this to trustees and directors?
We equip you with the tools you need. We provide communication materials specifically designed to articulate the financial, operational, and ethical rationale behind your decision to organisation stakeholders.
Will this actually help our organisation's sustainability goals?
Absolutely. Our impact reporting aligns with standard sustainability frameworks, providing you with trackable metrics that directly contribute to your organisation’s overall environmental performance indicators.
