Charity Insurance

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Financial protection for your charity

Why choose Ripe for charity insurance?

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.

Cover in one place for clubs and organisations

Choose from the cover you want in one place, including Public Liability, Employers’ Liability and cover for property, so you can focus on running your charity.
Cover for employees and volunteers

From employees to volunteers, your team is covered with a charity policy.
Choose the cover you want for clubs and community groups

Insurance designed for activities, allowing you to choose cover options, meaning you won't pay for any cover your organisation doesn't need.

What does charity insurance cover?

Specialist charity insurance through Ripe can include several options along with specific inclusions and exclusions, such as:

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 £10k
Business Interruption – up to be £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 village hall insurance policy, view our Important Documents page.

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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Why consider charity insurance?

Specialist small charity insurance can help financially protect both the charity and the people running it, so vital work can continue if something goes wrong.

Charities and non‑profit groups are central to UK communities. According to the Charity Commission for England and Wales, there are over 184,000 registered charities, supported by millions of volunteers and trustees delivering public benefit across a wide range of causes. Even small organisations can face risks such as public injury claims or damage to buildings, equipment and donated assets, where the cost of a single incident could place real financial strain on the charity.

Data from the National Council for Voluntary Organisations (NCVO) shows that small and micro‑charities make up over 80% of the sector, and many operate with limited financial reserves. In this context, considering insurance can help play a supporting role in the overall governance and sustainability of an organisation.

Charity Insurance FAQs

Charity insurance through Ripe can include protection for volunteers as part of optional cover packages.
Charity insurance can also extend to charity shops, where volunteers often help with day‑to‑day retail activities.
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.
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.
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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If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!

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