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Charity & Not-For-Profit

Cover for charities, not-for-profit organisations, social enterprises and voluntary organisations….

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There are many different types of insurance available for charities and not-for-profit organisations. It is important to make sure your organisation has the right insurance in place to protect it.

If you’re running a not-for-profit organisation, insurance is an important step towards making sure you can deal with the unexpected and continue with the good work you do. Your organisation makes decisions that can literally be life-changing, which means you’ll always face an element of risk. While your plans and resources are directed towards making the world a better place, it’s just as important to make sure you have your own plans in place too.

  • Bespoke insurance solutions available
  •  Expert advice
  •  Personalised service
  •  Dedicated account executive
  •  Risk management support

We understand that no single organisation is the same and there will be unique elements that will need careful consideration. In order to help you decide what types of insurance you may need to consider, here’s a summary of some of the different covers available to you:

  • Buildings and contents – cover for newly bequeathed or held in trust items, buildings, contents, portable equipment and exhibition stands etc.
  • Public & Employers liability – protection for the charitable organisation against claims made by members of the public or employees.
  • Trustees indemnity – essential protection against claims made as a result of errors or omission of the trustees.
  • Professional indemnity – cover if you provide a service or advice.
  • Fidelity guarantee – protecting your charity or non-profit organisation against dishonesty or fraud by your employees or voluntary workers.
  • Cyber insurance
  • Business interruption
  • Libel and Slander
  • Legal expenses
  • Personal Accident and business travel
  • Medical malpractice
  • Hirers liability

Examples of the kind of organisations for which this insurance is designed:

 

  • Religious charities
  • Educational charities
  • Cultural and artistic charities
  • Healthcare charities
  • Environmental and conservation charities
  • Not-for-profit community groups
  • Voluntary groups
  • Community interest groups
  • Social enterprises

Contact our Charities & NFP Specialist

If you would like further advice and support with you charity or not-for-profit’s insurance programme, please contact Gemma Bollen on 07842 306595 or email gemma.bollen@adlerfairways.co.uk

Trustee Liability Insurance

Trustee liability insurance offers financial protection against several types of compensation claims made against charity trustees. In key posts, individuals experience a heightened level of responsibility and public accountability which carries a degree of personal risk. Trustee liability cover offers protection if a volunteer, service recipient or member of the public claims a trustee has acted wrongfully. Claims might involve breaches of duty, or even negligence – since settlements can be steep, this type of insurance is often important for charity trustees to have.

Property Insurance

Where you operate from is the heartbeat of your charity, so protecting your premises with property or office insurance can provide a lifeline when things go wrong. For your charity to be able to help people each and every day, you need to have access to your building and equipment in full working order. Whether your charity is impacted by an overnight break-in, equipment breakdown or damage to the building itself, property insurance can quickly help to cover the cost of repairs and replacements.

Personal Accident Insurance

Helping people may have always been your ambition, that’s why you’ve set up a charitable organisation – but what happens if you’re unable to work? You might fall and break your ankle during a hiking trip just as a key employee sustains an injury on a skiing holiday, meaning you’re both unable to work for a while. When your charity relies on key people to function, you may benefit from the support of a personal accident policy built into your charity insurance.

*  This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Words from our clients…

Shannonside Civil Engineering Ltd

"Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

John Hall, Director, West Midlands Fasteners

"Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

Faisal Ravat, Managing Director, E&S Motors Ltd

"We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

Frank Ryan, Director, Reirse Ryan Ltd

"We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

Gerald Doble, Director, G A Doble

"The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

John Dyke, Central Scaffold Walsall Ltd

"As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall

Ocean Outdoors

"The Adler Fairways team has been an invaluable partner to our digital out-of-home (DOOH) advertising business, particularly during times when we needed their support, expertise and advice. Their exceptional responsiveness and commitment have truly set them apart. In our industry, where we manage a network of digital displays and complex advertising campaigns, the risk landscape is unique and often unpredictable. Whether it’s damage to equipment, public liability, motor or unforeseen technical issues, Adler Fairways has consistently provided us with bespoke insurance policies that give us confidence in our coverage. Whatever our needs are, Adler Fairways are always there to guide us every step of the way and the team handles everything with remarkable efficiency, providing clear communication and expert advice throughout the process. The personal touch and attention to detail they always provide makes sometimes stressful situations much easier to navigate." Outdoor Ocean