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Public 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
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Why Charities Choose Planet Protection
Values-Aligned Protection
Your premiums support environmental projects and renewable energy initiatives, not fossil fuels or controversial industries. Transparency on what industries your premiums contribute to.
Charity Specialist Expertise
We understand charity-specific risks: volunteer management, trustee liability, fundraising events, and community activities. Tailored coverage for your unique needs.
Transparent Pricing
Competitive rates with no hidden fees. Research shows ethical organisations are better risks, often resulting in competitive premiums. Get your personalized quote today.
Impact Reporting
Coming Soon. Track your environmental contribution with detailed impact reports. See exactly how your insurance purchase supports reforestation, renewable energy, and community projects.
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 public liability insurance?
While not legally required for all charities, public liability insurance is essential if your charity interacts with the public, holds events, or operates from premises. Most venues, local authorities, and funders require proof of coverage before allowing activities
What does charity liability insurance cover?
Charity liability insurance protects against claims from third parties who suffer injury or property damage due to your activities. This includes volunteer work, fundraising events, premises liability, and community outreach programs.
How much does public liability insurance for charities cost?
Insurance for charity organisations varies by size, activities, and risk level. Our competitive rates reflect that ethical organisations are statistically better risks. Get your personalised quote above for accurate pricing.
What about employers liability insurance and volunteer insurance?
Public liability insurance typically includes employers liability insurance as standard. Our charity specific cover also extends this to volunteers, including part time and adhoc if applicable.
What's Covered Under Your Public Liability Insurance
Charity public liability insurance differs from standard business coverage because of your unique activities and responsibilities. Unlike commercial businesses, charities work extensively with volunteers, hold community events, and often operate from multiple venues.
Your coverage needs to reflect these realities, protecting against claims that arise from the heart of your charitable work
Premises Liability
Visitor injuries at your premises, community centres, or hired venues.
Volunteer Activities
Protection during volunteer work, community outreach, and charity events.
Event Coverage
Fundraising events, community fairs, and public gatherings.
Property Damage
Accidental damage to third-party property during your activities.
Legal Costs
Defence costs and legal expenses for covered claims.
Off-Premises Work
Community outreach, home visits, and external project work.
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.”
Workplace Injuries
Staff injuries at your premises, offices, shops, or community centres - from slips and falls to equipment-related accidents.
Volunteer Activities
Injuries to volunteers during fundraising, community work, events setup, or any charity-related activities.
Work-Related Travel
Coverage when staff or volunteers are injured traveling between charity locations or visiting beneficiaries.
Trustee Protection
Covers trustees injured while performing governance duties, attending meetings, or participating in charity activities.
Standard Business Policies vs Charity-Specific Coverage
Standard employers liability policies often exclude or limit volunteer coverage. Our charity-specific employers liability insurance includes:
- Comprehensive volunteer protection as standard
- Trustee coverage during charity activities
- Work experience and placement participant coverage
- Off-site community work protection
- Fundraising event volunteer coverage
Understanding Charity Insurance Terms
Public Liability Insurance
The formal term for protection against third-party injury or property damage claims during your charity activities.
Charity Liability Insurance
Another way to describe public liability cover specifically tailored for charitable organisations and community groups.
Third Party Cover
Insurance industry term for coverage that protects when your activities accidentally harm someone else or their property.
General Liability
American terminology sometimes used in the UK – essentially the same as public liability insurance for charities.
Premises Liability
Specific aspect of public liability covering injuries that occur at your charity’s premises or hired venues.
Volunteer Insurance
Colloquial term for public liability that covers activities performed by your charity’s volunteers in the community.
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