Charity Insurance for Charities & The Voluntary Sector

Insurance for charities and the voluntary sector

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

How can we help your charity?

We specialise in arranging insurance for charity and voluntary sector organisations, so we understand the complex risks and challenges which you and your trustees face. The depth of our sector experience means that we can provide tailored advice and solutions, helping you to manage your risks and achieve the types and levels of cover you need.

Over 8,500 voluntary and care sector clients in the UK have chosen Gallagher as their insurance broker

We understand the diverse needs of the sector and can help you protect your organisation whatever its size, activities or mission.

Bespoke solutions and enhanced support for the charity sector

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.

Your charity insurance

Our dedicated team of charity specialists will work with you to design an insurance programme tailored to your needs. As one of the leading brokers in the UK, we can advise on all aspects of cover that will protect your assets, trustees, volunteers, supporters, participants and activities against the risks you face. The cover we offer includes, but is not limited to:

Public Liability

Public liability insurance can protect your charity against the cost of compensation claims made for injury, illness or damage to property by members of the public - such as clients, volunteers, service users, customers or contractors.

Employers’ Liability

It’s a legal requirement to have this policy in place if you are an employer. You must also consider your volunteers' safety and well-being. We develop insurance solutions that enables you to fulfil your duty of care for employees and volunteers.

Trustee Indemnity

Trustee indemnity exists to give protection and offer peace of mind to the directors and officers of all sorts of charities and should always be considered as part of your charity insurance programme. This cover can assist in legal costs associated with defending trustees and actions taken.

Cyber

Cybercrime is on the rise, and with it the need to protect your organisation from the financial and reputational loss that a breach can bring. It’s important that organisations take the time to understand the likely risks and exposures that they face.

Building and Contents

Whether your charity is impacted by an overnight break-in, equipment breakdown or damage to the building itself, building and contents insurance can quickly help to cover the cost of repairs and replacements.

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.

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Gallagher has an outstanding reputation and their knowledge and understanding of not only the charity sector but the Special Olympics as a whole gives us huge confidence that we are working with the right partners.

Chief Executive Officer, Special Olympics GB, 2024

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.