Join the Movement
Property and Contents 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
Multi-Location Protection
From charity shops to community centres, offices to village halls – one policy protecting all your premises. Whether you own, lease, or hire venues, we provide flexible coverage that adapts to your changing needs.
Specialist Charity Understanding
We know charities operate differently. Your buildings host community activities, your contents include donated goods, and your equipment ranges from IT systems to specialist collections. Our coverage reflects these realities.
Business Interruption Cover
If disaster strikes, we protect your income streams. Cover includes lost donations, cancelled fundraising events, and additional costs to keep your services running from temporary locations.
Ethical Claims Handling
Fast, fair claims settlement when you need it most. We understand that every day without your building or equipment means beneficiaries without support. Our priority is getting you operational again quickly.
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 Property Insurance
What does property insurance for charities cover?
Property insurance, also known as buildings insurance protects your buildings (if you own them) and contents against damage from fire, flood, theft, vandalism, and other insured perils. This includes office equipment, furniture, stock in charity shops, IT systems, and specialist equipment. Business interruption cover can also protect your income if you cannot operate due to property damage.
Do we need buildings insurance if we lease our premises?
If you lease, your landlord typically insures the building structure, but you remain responsible for contents insurance and any tenant’s improvements you’ve made. If you hire venues occasionally, your contents cover can extend to protect equipment at temporary locations.
How is property insurance different for charities?
Charity property insurance accounts for unique aspects like fluctuating volunteer numbers, donated goods in shops, valuable collections or artwork, community use of premises, and multiple locations. Standard commercial policies often exclude or limit these elements.
What about equipment on loan or in transit?
Our all risks cover protects portable equipment anywhere in the UK – laptops used by home-working staff, exhibition materials, fundraising equipment, and goods in transit between locations. This ensures your resources are protected wherever your charity work takes you.
Can we include fine art and special collections?
Our all risks cover protects portable equipment anywhere in the UK – laptops used by home-working staff, exhibition materials, fundraising equipment, and goods in transit between locations. This ensures your resources are protected wherever your charity work takes you.
What happens if we can't use our building?
Our all risks cover protects portable equipment anywhere in the UK – laptops used by home-working staff, exhibition materials, fundraising equipment, and goods in transit between locations. This ensures your resources are protected wherever your charity work takes you.
What's Covered Under Your Employers Liability Insurance
Property insurance for charities extends beyond basic commercial coverage to protect the diverse assets and locations that enable your charitable work. From high-street charity shops to historic buildings, from IT equipment to museum collections, your coverage needs to be as varied as your charity’s activities.
Your protection should reflect how charities really operate – with multiple sites, valuable donated items, and irreplaceable resources that support your beneficiaries.
Buildings Insurance
Complete structural coverage for owned premises including community centres, offices, charity shops, and village halls. Covers rebuilding costs after fire, flood, storm damage, vandalism, or other insured perils.
Contents Coverage
Protection for everything inside your premises – office equipment, furniture, shop stock, IT systems, fundraising materials, and donated goods. Cover extends to tenant’s improvements and fixtures.
All Risks Protection
Valuable portable items covered anywhere in the UK – laptops, tablets, exhibition equipment, fundraising materials, and specialist equipment. No need to worry when resources move between locations.
Business Interruption
Safeguards your charity’s income and covers additional costs if premises become unusable. Includes lost shop income, cancelled fundraising events, and costs of temporary accommodation.
Equipment Breakdown
Specialist cover for electrical and mechanical equipment failure, including computer systems, heating/cooling systems, and specialist machinery. Includes breakdown cover that standard policies exclude.
Stock and Donated Goods
Unique protection for charity shops covering donated items, new goods for sale, and seasonal stock fluctuations. Automatic increases for peak fundraising periods like Christmas.
Essential protection for your staff and volunteers
Property Cover Designed for Charities
Multiple Locations, One Policy
Whether you operate from one site or twenty, owned or leased, permanent or temporary – we provide flexible coverage that grows with your charity. Add or remove locations as needed without policy complications.
Charity Shop Specialists
We understand charity retail operations: fluctuating stock levels from donations, volunteer-run operations, community hub activities, and mixed use of premises. Coverage that flexes with your needs.
Community Use Protection
Your buildings aren’t just offices, they’re community resources. We cover third-party hirers, support groups using your space, and public events without the restrictions of standard commercial policies.
Heritage and Special Items
From religious artifacts to museum collections, historical documents to fine art – we provide specialist coverage options including agreed value, restoration costs, and conservation expenses.
What's Covered Under Your Property and Contents Insurance
Specialist Buildings Cover for Charities and Non-Profits
Charity property insurance extends beyond basic commercial coverage to protect the diverse assets and locations that enable your charitable work. From high-street charity shops to historic buildings, from IT equipment to museum collections, your coverage needs to be as varied as your charity’s activities.
Your protection should reflect how charities really operate – with multiple sites, valuable donated items, and irreplaceable resources that support your beneficiaries.
Buildings Protection
Complete structural coverage for owned premises including community centres, offices, charity shops, and village halls. Covers rebuilding costs after fire, flood, storm damage, vandalism, or other insured perils.
Contents Coverage
Protection for everything inside your premises - office equipment, furniture, shop stock, IT systems, fundraising materials, and donated goods. Cover extends to tenant's improvements and fixtures.
All Risks Protection
Valuable portable items covered anywhere in the UK - laptops, tablets, exhibition equipment, fundraising materials, and specialist equipment. No need to worry when resources move between locations.
Equipment Breakdown
Specialist cover for electrical and mechanical equipment failure, including computer systems, heating/cooling systems, and specialist machinery. Includes breakdown cover that standard policies exclude.
Standard Commercial Policies vs Our Charity Coverage
Commercial property insurance assumes traditional business operations with predictable risks and standard occupancy. Charity properties face unique challenges that standard policies don’t adequately address.
Our Charity-Specific Advantages:
- Volunteer activity: No penalties for high volunteer footfall or variable occupancy
- Mixed use premises: Offices, shops, community spaces, and worship areas under one policy
- Donated goods: Automatic coverage for fluctuating stock from donations
- Public access: Community use doesn’t invalidate your coverage
- Fundraising events: Temporary events and activities included
- Unoccupied periods: Reasonable vacant periods covered without penalty
- Security requirements: Proportionate to charity resources, not commercial standards
- Claims settlement: New-for-old replacement without depreciation deductions
- Index linking: Automatic adjustment for inflation to maintain adequate coverage
- Professional fees: Architects, surveyors, and legal costs included for rebuilding
Understanding Charity Insurance Terms
Buildings Insurance
Coverage for the physical structure of properties you own, including walls, roof, floors, fixtures, and permanent fittings.
Contents Insurance
Protection for moveable items within your premises including furniture, equipment, stock, and supplies.
Sum Insured
The maximum amount payable for a claim – should represent full rebuilding cost for buildings or replacement cost for contents.
Business Interruption
Insurance covering lost income and additional expenses when you cannot operate due to insured property damage.
All Risks
Comprehensive cover for specified items against any damage except specifically excluded perils.
Average Clause
If underinsured, claims may be reduced proportionately – proper valuations prevent this issue.
Join the Movement Today
Take the first step towards a more sustainable future.
Take the first step towards ethical property insurance that safeguards your buildings and resources 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.
