Join the Movement
Employers Liability Insurance for Charities, CIC's & Non-Profits
Protect your vital work with ethical insurance that doesn't compromise your values.
- FCA Regulated
- B-Corp Pending
- Ethical Cover
Ready to Make the Switch?
Why Charities Choose Planet Protection
Complete People Protection
Your insurance covers everyone who matters: employees, volunteers, trustees, and work experience placements. Unlike standard policies that exclude or limit volunteer coverage, we protect all your people equally.
Legal Compliance Made Simple
Meet your legal obligations effortlessly. If you have any employees, employers liability insurance is a legal requirement. We ensure you’re fully compliant while protecting your entire workforce, paid and unpaid.
Charity-Specific Expertise
We understand the unique risks charities face: volunteer management, trustee activities, community outreach, and fundraising events. Our coverage is tailored to protect against the real-world claims charities encounter.
Values-Driven Protection
Your premiums support environmental projects and renewable energy initiatives, not fossil fuels or controversial industries. Every policy contributes to a more sustainable future.
The Time to Act is Now.
Most charities review their insurance annually:
The sweet spot for exploring your options? About 2-3 months before your renewal date.
faqs
Frequently Asked Questions About Charity Insurance
Do charities need employers liability insurance?
Yes, if your charity has any employees (even just one), employers liability insurance is a legal requirement. You could face fines of £2,500 per day without it. Even volunteer-only organisations benefit from this protection as it covers volunteer injuries and trustee activities.
Does employers liability cover volunteers?
With our charity-specific policy, yes. Standard business policies often exclude or severely limit volunteer coverage, but we include comprehensive volunteer protection as standard. This covers volunteers during all charity activities, from fundraising events to community outreach programmes.
What's the difference between employers and public liability?
Employers liability protects your people, staff, volunteers, trustees, and placements, when they’re injured or become ill through their work with your charity. Public liability protects against claims from members of the public or damage to their property. Most charities need both for complete protection.
How much employers liability cover do I need?
The legal minimum is £5 million, but most insurers, including us, provide £10 million as standard. This higher limit provides better protection without significantly increasing premiums, giving you peace of mind that all claims will be covered.
What's Covered Under Your Employers Liability Insurance
Charity employers liability insurance goes beyond standard business coverage because of your unique workforce and activities. Unlike commercial businesses, charities work extensively with volunteers, have active trustee boards, and often host work experience placements and community service programmes.
Your coverage needs to protect everyone who contributes to your mission, whether they’re paid or unpaid.
Workplace Injuries
Protection when employees or volunteers suffer injuries at any of your premises. Offices, charity shops, community centres, or event venues. Covers everything from slips and trips to equipment-related accidents.
Volunteer Protection
Comprehensive coverage for volunteers injured during any charity activity: fundraising events, community outreach, administrative work, or beneficiary support. No restrictions on volunteer numbers or activities.
Work-Related Illness
Covers claims for illnesses that develop due to work conditions, including stress-related conditions, repetitive strain injuries, or illnesses from exposure to substances during charity work.
Off-Site Activities
Protection extends to community work, home visits, fundraising activities, and travel between charity locations. Your people are covered wherever they’re working for your charity.
Legal Defence Costs
Full coverage for legal fees, court costs, and compensation payments if a claim is made. We handle the legal complexities so you can focus on your charitable mission.
Trustee Activities
Specific protection for trustees injured while performing governance duties, including board meetings, charity events, site visits, and strategic planning sessions.
Essential protection for your staff and volunteers
Employers Liability Insurance for Charities
Covers All Your People
Protects your charity against claims from employees, volunteers, trustees, and work experience placements who suffer injury or illness while working for your organisation.
Legal Requirement
Employers liability insurance is legally required if your charity has any employees. Even volunteer-only organisations benefit from this protection for governance and volunteer safety.
Volunteer-Specific Coverage
Unlike standard business policies, our employers liability includes comprehensive volunteer protection – covering activities from fundraising events to community outreach programs.
Bundled Value
Combined with public liability insurance for complete protection. One policy, one renewal date, one competitive premium covering both essential charity insurance needs.
What Employers Liability Insurance Covers
Liability Insurance Combined
While public liability protects against harm to others, employers liability protects your people – and as a charity, your ‘people’ include volunteers, trustees, and placement students that standard business policies often exclude.
This combined approach ensures complete protection while simplifying your insurance management.
Bundle and Save
Combining employers and public liability insurance provides comprehensive protection at a competitive price. One policy, one renewal date, simplified administration, and often lower combined premiums than separate policies.
Seamless Coverage
No gaps between policies means no confusion about which insurance covers what. Whether it's a volunteer injury (employers liability) or a visitor accident (public liability), you're protected.
Event Protection
Charity events need both coverages: employers liability for your volunteers and staff running the event, public liability for attendees and third parties. Combined coverage ensures nothing falls through the cracks.
Simplified Claims
One insurer, one claims process, one point of contact. When something goes wrong, you don't waste time figuring out which policy applies. We handle everything for you.
Standard Business Policies vs Charity-Specific Coverage
Standard employers liability policies are designed for traditional businesses with clear employer-employee relationships. They often fail to protect the diverse workforce that makes charities unique.
- Unlimited volunteers: No caps on volunteer numbers or restrictions on their activities
- Trustee protection: Full coverage for governance activities and charity participation.
- Work experience: Students and placements automatically covered.
- Flexible working: Protection for remote work, multiple locations, and community settings.
- Fundraising activities: Coverage extends to all fundraising events and activities.
- Home working: Volunteers and staff working from home are fully protected.
- Mental health: Coverage includes stress and mental health-related claims.
- Community outreach: Protection for off-site beneficiary support and home visits.
Understanding Charity Insurance Terms
Employers Liability Insurance
Legal protection against claims from employees, volunteers, or trustees who suffer injury or illness due to their work with your charity.
Volunteer Insurance
Colloquial term for employers liability coverage that specifically protects volunteers during charity activities.
Work-Related Injury
Any injury that occurs while someone is working for your charity, whether at your premises, at events, or in the community.
Occupational Disease
Illnesses that develop over time due to work conditions, such as repetitive strain injury or work-related stress.
Vicarious Liability
Your charity’s legal responsibility for the actions of employees and volunteers while they’re working on your behalf.
Indemnity Limit
The maximum amount the insurance will pay for claims in a policy period, typically £10 million for employers liability.
Join the Movement Today
Take the first step towards a more sustainable future.
Take the first step towards ethical employers liability insurance that protects your entire workforce while supporting environmental causes..
The need for sustainable insurance has never been more urgent. Join us in creating an insurance revolution that protects both people and planet.
