Insurance for charities and the voluntary sector

Our customers range from small charities and not-for-profit groups through to large national charities with a high level of public recognition.

Every charity is unique — but every one needs protection

Whether you're a local community group, a national charity, or a leisure trust serving thousands, Gallagher helps you safeguard the work that matters most. We understand that insurance isn't just about compliance — it's about confidence. So, you can focus on supporting your beneficiaries, while we help protect your organisation, your people, and your reputation.

Cover designed for the charity and voluntary sector

We’ll work closely with you to build a programme that provides an appropriate level of protection — no more, no less. Our specialist charity and not-for-profit insurance can include:

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Charities we work with

Gallagher places insurance for a wide range of charities, community groups, and not-for-profit organisations across the UK including, but not limited to:

  • Community housing and centres
  • Nurseries and early years settings
  • Vulnerable persons programmes
  • Community transport

Find out more about the work we do with YMCAs, leisure and cultural trusts and community transport providers below:

For almost 10 years, Gallagher has been providing risk management and insurance advice to YMCAs in the UK. The diverse range of programmes and activities that each organisation provides, present some unique challenges. YMCAs provide health and wellbeing facilities including outdoor activity centres, gyms, swimming pools and community facilities. They also provide safe, supported accommodation for young people, ranging from emergency accommodation, through to supported longer-term housing.

Gallagher's expertise, backed by comprehensive insurance products, has helped YMCAs manage their risks in a cost-effective manner. We also provide support on wider risk management areas, including cyber, health & safety and disaster recovery planning.

Gallagher provides specialised insurance solutions and risk management services tailored to the unique needs of leisure trusts. Since partnering with Community Leisure UK (CLUK) in April 2023, Gallagher has been supporting its members with bespoke insurance programs designed for the not-for-profit sector. Beyond traditional coverage, Gallagher offers an extensive range of risk management services, such as IOSH training and cyber risk management consultations, to help members address emerging challenges.

Through regular knowledge sharing and industry insights, Gallagher helps leisure trusts in effectively mitigating risks, protecting assets, and focusing on your mission to serve communities. Our dedicated team is here to assist you in safeguarding and growing your organisation, helping to ensure you can realise your vision with confidence and peace of mind.

We offer a range of specialist insurance solutions and risk management services for community transport providers. From health and safety to cyber risk management, we help you protect every aspect of your organisation — not just the risks you face while out on the road. We can also carry out claims reviews and identify trends that are impacting the sector to help you manage risk and minimise claims.

We can provide cover for all types of fleets, from people carriers to specially adapted vehicles, with no upper age limit for your drivers. For not-for-profit organisations, we can insure vehicles driven under Section 19 (10B in Northern Ireland) and Section 22 permits.

We can also arrange cover for local initiatives such as food banks, charity shops, and village halls — helping every organisation focus on its mission with confidence.

Supporting charities beyond insurance

Our commitment goes beyond arranging cover. Through Gallagher's community partnerships, risk management services and specialist insights, we help the charity and voluntary sector stay resilient in an increasingly complex world.

From safeguarding digital data to protecting your volunteers, our goal is simple — to help you focus on your mission, knowing your organisation is protected.

Why choose Gallagher to support your charity insurance needs?

As an independent charity insurance broker, we maintain strong market relationships with insurers. Our appetite for underwriting charities enables us to access the open market and secure suitable cover for numerous organisations. Additionally, our in-house charity schemes are exclusive to Gallagher, with terms and prices negotiated specifically for our customers.

Speak to our dedicated Charity Insurance team today to discuss your insurance needs.

Charity Insurance

  • Tailored protection – designed around your specific activities, assets and risks.
  • A dedicated charity team – who understand the pressures you face and the difference yosu make.
  • In-house claims and risk specialists – to support you when incidents happen.
  • A confidential insurance audit – helping you identify gaps before they become problems.

  • Charity Insurance Team