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Professional Indemnity 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
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Why Charities Choose Planet Protection for Professional Indemnity Cover
Advice Services Protection
Charities increasingly provide professional guidance, from debt counselling to housing advice, employment support to mental health services. Our cover protects against claims when beneficiaries allege your advice caused financial loss or hardship.
Trustee Decision Coverage
Protection for board decisions and governance activities that could lead to claims. Whether strategic planning, financial management, or programme decisions, trustees can act confidently knowing they’re protected.
Information and Resources
Many charities publish guides, toolkits, and educational materials. Professional indemnity covers claims arising from errors, omissions, or misleading information in your publications, websites, or training materials.
Breach of Confidentiality
Charities handle sensitive beneficiary data daily. Our cover includes protection against inadvertent disclosure of confidential information, GDPR breaches, and data protection claims.
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 professional indemnity insurance?
If your charity provides advice, counselling, consultancy, or any professional services, professional indemnity insurance is essential. This includes information services, advocacy work, training provision, or publishing guidance materials. Even free services can lead to claims if recipients suffer losses.
What's the difference between professional indemnity and general liability?
Public liability covers physical injury or property damage, while professional indemnity protects against financial losses from your professional services or advice. If someone trips in your office, that’s public liability. If your debt advice leads to alleged financial harm, that’s professional indemnity.
What types of charity services need professional indemnity?
Common services requiring cover include counselling and therapy, legal or financial advice, advocacy and representation, training and education, consultancy services, information and guidance provision, mediation services, and publishing specialist content.
Are trustees personally liable without professional indemnity?
Trustees can face personal liability for decisions made on behalf of the charity. While Trustees’ Indemnity insurance specifically covers governance decisions, professional indemnity protects the charity itself from claims arising from professional services.
What's typically excluded from professional indemnity?
Standard exclusions include deliberate wrongdoing, trading losses, personal injury claims (covered by public liability), and services outside your stated professional activities. Medical treatment and clinical services typically require specialist malpractice cover.
How much professional indemnity cover do charities need?
Coverage limits depend on your services and risk exposure. We offer limits up to £5 million, with most charities choosing between £1-2 million. Consider your service user numbers, types of advice given, and potential financial impact of claims.
What's Covered Under Your Professional Indemnity Insurance
Professional indemnity for charities extends beyond commercial coverage to protect the diverse advisory and support services you provide. From counselling vulnerable beneficiaries to publishing sector guidance, from advocacy work to training delivery, your coverage must reflect the professional responsibilities unique to charitable work.
Your protection should acknowledge that charity services often support society’s most vulnerable, where the stakes and potential impacts are significant.
Professional Negligence
Protection when your advice, guidance, or professional services fall below expected standards. Covers claims alleging errors, omissions, or inadequate service delivery that results in financial loss to beneficiaries or third parties.
Breach of Duty
Coverage for allegations that you’ve failed in your professional duty of care. This includes claims that your services didn’t meet sector standards or that you failed to act in beneficiaries’ best interests.
Defamation and Libel
Protection against claims of defamation in your publications, reports, or communications. Covers legal costs and damages if you’re accused of damaging someone’s reputation through your professional activities.
Loss of Documents
Coverage for costs arising from loss, damage, or destruction of documents belonging to others, including electronic data. Includes costs to replace or restore critical information.
Breach of Confidentiality
Protection against claims for inadvertent disclosure of confidential information, including beneficiary data, sensitive organisational information, or third-party confidential material.
Legal Defence Costs
Full coverage for legal representation, court costs, and expert witnesses. We handle the legal complexities so you can focus on your charitable mission during difficult claims.
PROTECTING YOUR PROFESSIONAL SERVICES
Professional Indemnity Designed for Charities
Free Services Covered
Unlike commercial policies that focus on fee-earning work, we protect all your professional services – whether charged, subsidised, or completely free. Your mission to help shouldn’t increase your risk.
Retroactive Coverage
Protection for work you’ve done in the past, recognising that claims can arise years after advice was given. Essential for charities with long-standing beneficiary relationships.
Multi-Disciplinary Services
One policy covering your diverse professional activities – from counselling to advocacy, training to publishing. No need for multiple policies for different service areas.
Vulnerable Beneficiaries
Tailored coverage understanding that charity beneficiaries may be vulnerable, distressed, or in crisis when receiving services. Claims handling that’s sensitive to these unique circumstances.
Standard Business Policies vs Charity-Specific Coverage
Standard professional indemnity policies are designed for fee-earning professionals and commercial consultants. Our charity-specific professional indemnity insurance includes:
- Comprehensive coverage for free and subsidised services.
- Protection for advice given to vulnerable beneficiaries.
- Multi-disciplinary services under one policy.
- Retroactive cover for long-standing service relationships.
- Coverage for qualified volunteers providing professional services.
Understanding Charity Insurance Terms
Professional Indemnity Insurance
Insurance protecting against claims for financial loss arising from your professional services, advice, or guidance.
Claims-Made Basis
Professional indemnity operates on a claims-made basis – covering claims made during the policy period regardless of when the incident occurred (subject to retroactive date).
Retroactive Date
The earliest date from which your past work is covered. Claims for work done before this date aren’t covered.
Limit of Indemnity
The maximum amount the insurer will pay for claims during the policy period, including defence costs unless stated separately.
Aggregate Limit
The total amount payable for all claims during the policy period, as opposed to ‘any one claim’ limits.
Notification
The requirement to inform insurers of claims or circumstances that might lead to claims as soon as you become aware of them.
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