Specialist insurance for small charities and non-profit groups
There’s nothing more rewarding than making a difference through your charity or community group. Whether you’re supporting local projects or national causes, your work depends on people, time, and resources. But as with any organisation, unexpected challenges can arise. Specialist charity insurance through Ripe can help you manage financial risks such as building damage, loss of equipment, or third-party claims, so you can keep focusing on your mission.
Why choose Ripe for your chairty insurance?
Easy online experience
Getting a quote and taking out your cover online is quick and simple. And to make the whole experience even easier, we've done away with any lengthy forms and cut out any confusing jargon.
Tailored to your interest
We know that every group and club and what they bring to communities is unique. Which is why we give you the flexibility to tailor your policy, so you only ever pay for what you need.
Helping your budget go further
We know that your budgets are a big consideration. Which is why we focus on providing cover that doesn't break the bank, so you can concentrate on allocating more resources towards what truly matters.
What does charity insurance cover?
Specialist charity insurance through Ripe can include several options along with specific inclusions and exclusions, such as:
Charity insurance
- Public and Products Liability – up to £10m
- Employers’ Liability – up to £10m
- Building cover – up to £500k for damage caused by specific perils such as storm, theft or accidental damage
- Fixtures, Fittings and Tenants Improvements – up to £100k
- General contents – up to £250k
- Equipment and Portable Equipment
- Stock up to £100k
- Business Interruption – up to £500k
- Professional Indemnity, including claims where someone has sustained an injury due to advice given
- Personal Injury caused by a participant
- Personal Effects
For the full policy wording and details on what is and is not covered under a charity insurance policy, see our Important Documents page.
Common risks charities face
Charities of all types, such as community groups, sports clubs or leisure groups, can share similar risks. These could include:
- Storm or fire damage to the charity’s building
- Visitors slipping or tripping during a charity event
- Break-ins or theft of valuable equipment
- Liability arising from food or drink sales
Through Ripe, you can choose from a variety of charity insurance cover options to help financially protect the great work you do.
Public Liability insurance for charities
Charities can often welcome a wide range of people, from beneficiaries and supporters to volunteers, staff, and event guests. With so many interactions, accidents can happen, and your organisation could face third-party claims if so. Public Liability insurance for charities can help provide financial protection in these situations, such as:
- A supporter trips and injures themselves during a fundraising event
- A volunteer or staff member accidentally injures a member of the public or damages their property
While it’s not a legal requirement, Public Liability cover is one of the most common types of protection chosen by charities. It can help with legal and compensation costs linked to third-party injury or property damage, giving you reassurance that a single incident won’t put unnecessary pressure on your organisation’s resources.
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Does charity insurance cover volunteers?
Charity insurance through Ripe can include protection for volunteers as part of optional cover packages, while Employers’ Liability is only legally required for paid staff.
How much does charity insurance cost?
Several factors can influence how much you’ll pay for a charity insurance policy, including:
- the charity’s building location
- the size of the building
- the type of cover selected
- the level of cover you choose
Since every charity operates differently, there isn’t a one-size-fits-all price for charity insurance. The cost of your policy will reflect the specific risks your charity may face and the level of protection you want in place.
What insurance is needed for charity fundraising events?
If your event involves paid staff, employers’ liability insurance is legally required. You may also want to consider optional charity insurance, such as public liability or equipment cover, to help financially protect your organisation against potential risks.
What insurance do I need for a CIC (Community Interest Company)?
As with any other company, employer’s liability cover is a legal requirement if you have paid staff. Other cover options, such as public liability or buildings cover, could be worth considering if you want additional protection against potential financial risks.
What happens if I don’t have charity insurance?
While charity insurance isn’t always legally required, not having a policy in place could leave your organisation exposed to financial risks if accidents, property damage, or legal claims occur. Specialist cover can help manage the potential costs associated with these situations.
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