Insure what matters
Good for the planet and your Student Union
You’re not running a simple operation. You’re the heart of student life, buzzing venues, fiercely attended events, vital services. And you’re facing a generation that doesn’t just ask questions, they demand answers. Especially when it comes to where their values, like climate action and social justice, meet your bottom line.
Let’s be clear, insurance shouldn’t be quietly undermining progress. It should fund it.
Our Trusted Partners
Why Student Unions Are Choosing Planet Protection
More Than a Policy. It's a Pact.
Planet Protection was founded on a simple but powerful truth: the insurance industry is built on premiums where billions are funnelled into the very industries today’s students are fighting against, fossil fuels, unethical ventures and controversial industries.
By switching to our Student Union Combined package, you’re not just getting insurance. It’s about drawing a line in the sand. It’s about trying to reshape what insurance can be. You’re joining a movement that provides an alternative insurance option.
Built Smart. Built for You.
We get student unions. Your challenges are unique, your responsibilities vast. That’s why our coverage is purpose-built:
- Rock-Solid Foundations: Public Liability (£10M), Employers' Liability (including your incredible volunteers and student staff), Material Damage, Business Interruption, Equipment Breakdown. Consider it covered.
- Versatile Cover: Optional extensions for Professional Indemnity (powering your advice services), D&O Liability (protecting trustees and officers), Loss of Licence, Events & Fundraising and Sports & Society activities.
- Protecting Your Entire Ecosystem: From the buzz of student bars to the quiet focus of advice centres, events to admin, we've got it.
Tailored Insurance for your Union
Every student union is unique—from small associations to major operations running venues, shops, and support services. We build your insurance package by combining only the coverage you actually need, ensuring comprehensive protection without paying for irrelevant extras.
Our modular approach recognises that a union running commercial bars needs different coverage than one focused on societies and welfare.
Public Liability
Essential protection against claims if students, visitors, or the public are injured or their property is damaged during your activities or on your premises.
Employers' Liability
Covers your legal liability for injury or illness to employees, sabbatical officers, student staff, and volunteers working for your union.
Property and Contents
Safeguards your buildings, equipment, stock, and contents against damage from fire, flood, theft, and other insured perils.
Professional Indemnity
Protects against claims arising from advice given by your student support services, welfare teams, or advice centres
Events and Activities
Comprehensive protection for everything from freshers’ fairs to society trips, including cancellation and public liability for off-site activities.
Additional Options
D&O, Cyber, Loss of Licence, Student Athlete Cover Additional protection for trustees’ decisions (D&O), data breaches and cyber attacks (Cyber), losing your alcohol licence (Loss of Licence), or personal accident cover for student athletes in BUCS competitions and sports clubs.
The Impact? Real. Tangible. Non-Negotiable.
Meeting Student Expectations
Gen Z isn’t just interested in sustainability; it’s a core belief. 73% factor it into their decisions. Your partnerships speak volumes. Your insurance? It’s time it shouted the right message.
Turn Your Premiums into Planet-Positive Action:
- See Where Your Money Goes: Our insurance builds on frameworks developed by environmental research organisations to ensure all lines of insurance are vetted for ethical alignment. We will be transparent on who we place your insurance with.
- Ethically Grounded, Always: Progressing the drive to reduce funding for harmful industries, such as fossil fuels, controversial weapons, and migrant detention facilities
- In Development:
- Proof in the Numbers :Digital impact certificates quantify your contribution to real environmental projects.
- Your Sustainability Journey: One developed, you will be provided with reporting tools that seamlessly integrate with your own environmental metrics.
Fuelling Your Fight for Change:
- Lead by Example: Walk the talk. Your insurance choice demonstrates unwavering commitment.
- Credibility You Can Bank On: Strengthen your position when pushing for ethical investment across the university.
- Direct Climate Action: Your premiums actively contribute to a healthier planet.
- Future-Proofing Your Union: Align with the UK's net-zero targets
Built on Solid Ground. Not Empty Promises.
- Students Organising for Sustainability (SOS-UK): Ensuring our approach resonates with the very students you serve.
- NBS Insurance: With deep expertise in coverage specifically for the nuances of student unions.
- Ecclesiastical: Our capacity provider, renowned for their understanding of the university sector.
Competitive Rates. Uncompromising Coverage.
The Smart Choice Isn't Just Ethical. It's Economical.
Being ethical doesn’t mean breaking the bank. Our Student Union package offers rates that stand shoulder-to-shoulder with the rest, but with coverage designed for you.
Value That Makes Sense
Premiums that compete, coverage that excels.
Your Needs, Your Price
A modular structure ensures you only pay for what your union truly requires.
Clarity, Not Confusion
Simple, transparent policy documents that don't require a decoder.
Support That Gets You
Dedicated claims support from experts who understand the student union landscape
Ready to Make the Switch?
It's Easier Than You Think
Technology That Works
- Seamless Start: An intuitive platform designed with student unions in mind.
- Smart Insights: Intelligent analysis of your current policies and documents.
- Real-Time Impact: Once developed you’ll be able to track your environmental contribution with a dynamic dashboard.
- Effortless Reporting: Integrated metrics to simplify your sustainability reporting.
- Always-On Support: AI-assisted claims guidance, 24/7.
A Smooth Transition
- No-Obligation Review: We'll dissect your current coverage, highlighting gaps and opportunities.
- A Proposal Built for You: A customised package tailored to your unique operations.
- We Handle the Heavy Lifting: We manage the paperwork, ensuring continuous coverage.
- Quick Start: Fast onboarding to your digital dashboard and impact tracking.
- Dedicated Partnership: Ongoing support from our student union specialists.
The Time to Act is Now.
Most student unions review their insurance annually, often with the rhythm of the academic year. The sweet spot for exploring your options? About 2-3 months before your renewal date.
A partnership beyond insurance
Join a Community of Changemakers
- B Corp Community: Tap into the power of the growing B Corp movement (we're B Corp Pending!).
- SOS-UK Network: Connect and collaborate with other sustainability-focused institution
- Bankers for Net Zero: Engage with broader initiatives driving sustainable finance.
Empowering Student Officers
- Clear Handover Guides: Explaining your coverage simply and effectively.
- Informative Training Sessions: For new sabbatical teams to get up to speed.
- Easy-to-Share Digital Explainers: For engaging your wider student community.
- Communication Templates: To help you proudly promote your ethical insurance decision.
Is the market ready for a revolution?
The Student Union Advantage: Collective Power
Student unions represent a significant force for change, £10-£12M (annually) across 600 UK Unions. By collectively shifting your insurance premiums towards ethical providers, you can drive real industry change while securing tailored coverage.
We are aiming to shift the landscape, and we believe the moment is now.
Limited Ethical Options, Massive Demand
Students are demanding better.
Pressure for Ethical Alignment
It's no longer a niche concern, it's expected.
Market Disruption
Recent acquisitions create an opportunity for fresh alternatives.
Natural Alignment
Our values resonate deeply with student-led organisations.
Testimonials
What Our Partners Are Saying
Student Union President
Midlands University
Commercial Services Manager
Welsh University Union
Request Your Free Coverage Review
Take the First Step Towards Insurance with Integrity
Comprehensive Coverage Comparison
Potential Cost Savings Analysis
Environmental Impact Assessment
A Custom Proposal for Your Union
Join the Movement Today
Contact Our Student Union Specialists
Speak directly with our dedicated student union team:
faqs
Straight Answers, No Jargon.
How does your coverage stack up against traditional insurers?
Our coverage is comprehensive and specifically designed for the complexities of student unions. You get all the standard protections, the assurance that we aim to reduce the likelihood of your money funding unethical industries, and we are developing transparent impact reporting of where we have invested your money.
What makes your insurance genuinely 'ethical'?
We assess insurers and prioritise those with minimal or no direct exposure, based on available data. This isn’t about perfect solutions, it’s about directing insurance capital towards providers making genuine progress rather than those engaging in greenwashing. We provide complete transparency about what your choices are and actively allocate a portion to environmental projects with measurable impact.
