Charity Insurance for UK Non-Profits
Quick & Easy · No obligation · FCA Approved Appointed Representative
FCA-regulated insurance for charities, CICs, and community groups with cover designed to support your organisation’s purpose.
Why Choose Planet Protection?
You’re driven by purpose, building stronger communities, and making a real difference. But even the most vital work faces risks. You need robust protection, but you also demand integrity.
Here’s why organisations like yours are choosing Planet Protection:
- Tailored for Your Work: Specialised coverage that understands the unique risks the charity and community sector faces.
- Pioneering Ethical Insurance: We choose the insurers we work with based on exposure to controversial sectors.
- Dedicated Support: Our team understands your world and is here to guide you every step of the way.
What makes us different?
At Planet Protection, we’re transforming insurance from a passive financial product into a powerful force for environmental good. Every policy we write actively contributes to nature’s regeneration, while our platform in development will enable unrivalled transparency as to the impact of your policy.
We’re building an entirely new model of ethical insurance. We actively screen our insurance capacity providers to reduce the risk of your premiums potentially proliferating fossil fuels or other controversial industries.
As a B-Corp pending insurance broker, we’ve woven environmental commitment into our DNA. We believe insurance should do more than just protect your business, it should protect our planet too. That’s why we make sustainable business practices effortless, helping you align your insurance choices with your values.
faqs about insurance for charities
Frequently Asked Questions
What insurance does a charity legally need?
If your charity employs staff or uses volunteers, you’re legally required to have employers’ liability insurance with a minimum of £5 million cover. Public liability and trustee indemnity aren’t legally mandated but are essential for protecting your organisation, people, and assets—and often required by funders and venues.
What types of insurance should charities consider?
Most charities need a combination of public liability, employers’ liability, trustee indemnity, and property cover. Depending on your activities, you may also need professional indemnity (if you provide advice), cyber insurance (if you hold personal data), and event cover for fundraising activities. We’ll run through your activities and all of the appropriate covers available to ensure you’re neither under or over insured.
Can charity insurance cover our volunteers?
Yes. Volunteers are treated as employees under UK law for insurance purposes, so your employers’ liability policy should extend to cover them. Additionally, public liability protects against claims from third parties injured during volunteer-led activities, events, or community outreach.
How quickly can we get a charity insurance quote?
We aim to provide initial quotes within minutes for standard charity risks. Complex organisations with multiple activities, properties, or higher turnovers may require more detailed assessment. Starting 2-3 months before your renewal gives ample time for a thorough review, but we can always work around the confines of your timescales.
Does ethical insurance cost more for charities?
Not necessarily. Our pricing is competitive with mainstream providers, often comparable or sometimes even better. We work with specialist insurers who understand the charitable sector, and we focus on ensuring your premiums support values-aligned providers rather than industries that may conflict with your mission.
What makes Planet Protection different for charities?
We prioritise insurers with lower exposure to fossil fuels, weapons, and controversial industries based on publicly available research. Your charity gets comprehensive cover while gaining transparency about where your premiums are placed, helping align your insurance with your values.
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