Types
of charity cover
Insurance
specifically designed with charities in mind
With
UKCI you can arrange cover for each of the risks you face.
When
asked by charities to review their existing arrangements we often
come across a gap in their cover that leaves them completely exposed
in a particular area.
This is
usually because their activities have changed and they didn't
realise that the risk level had changed or that there was even a
risk involved.
However,
sometimes the gap is due to
the inadequate advice of a non-specialist or a lack of
explanation. Sadly,
we have heard of cases where the previous provider shoe-horned the
charity into a standard business
insurance policy wrongly believing that the perils were the same. The
perfect fit for your charity
While
there will be an element of cross-over, UK Charity Insurance truly understands the different activities of today's
charities. As
charity insurance experts our advice and our cover will be tailored specifically
to your charity's needs. And because we only offer products from
the UK's specialist Charity Insurers you can be sure that your
cover will be entirely suitable. With us by your side you'll be free to focus on
your work knowing you're fully covered.
Cover
types
Depending
on your activities, your charity may benefit from:
-
Charity
Buildings
Cover -
does as it says; pays out in the event of a claim affecting
buildings owned by the charity
-
Charity
Contents Cover -
pays out if contents and equipment gets stolen or damaged
-
Public
Liability -
protects you from the costs of claims brought by
supporters, visitors, etc as a result of bodily injury or damage to property
-
Employer's
Liability -
to protect you from claims by employees/volunteers in
relation to bodily injury or employment issues
-
Business
Interruption -
reimburses you for loss of income and extra expenses
incurred through damage to buildings or contents that prevents
access
-
Trustees
Indemnity -
protects the charity's trustees and staff members in specific
roles from the effects of unintentionally poor decisions
-
Fidelity
Guarantee -
protects you from the loss of money following the
fraudulent or dishonest conduct of a trustee, officer,
employee or volunteer
-
Money
Cover -
covers the collection and handling of cash - paying out if
cash is stolen, or misappropriated by an employee or volunteer
-
Loss
of Reputation -
reimburses the costs of the charity defending itself against
adverse publicity following various damaging events
-
Counselling
& Advice Cover -
to cover the costs of claims alleging wrongful advice
following a loss
-
Event
Insurance -
from one-off events to regular events organised by the
charity. For example, fundraising events, social events,
exhibitions, etc.
-
Foodbank
Insurance -
cover for the activities and stock handled by the UK's
foodbanks - includes special advice for those linked to a
church
-
Vehicle
Cover -
just like car insurance but for your minibus or vans
-
Abuse
Cover -
covers the cost to the charity should an allegation of abuse
be made
-
Publisher's
Liability -
this covers your charity website and other publications
against the risk of libel. If you're offering webcasts for
download or streaming from your website or you issue recordings on CD you
should consider this protection against slander.
-
Group
Travel -
covers trips in the UK or abroad for your workers/volunteers.
At
your request we can undertake a full and FREE
Insurance
Review that will highlight the types of cover you need. We will
examine your existing cover, produce a comprehensive report detailing the current risks you face, the available solutions and
cap it off with a no-obligation quotation.
To
request
a charity insurance quote and make
sure you have the most up-to-date protection for your charity, simply call
01424 205063 and speak to one of our
charity
insurance experts.
Insurance is one of those items that you know you need but would
rather
not pay for. We have found that UK Charity Insurance makes every effort to
understand our general and specific needs and then works hard to
find the best solution, which keeps our costs as low as possible.
This fits well with our plan of minimising expenditure
– always crucial in a tough financial climate.”
Kevin Rose - King’s Church, Hastings |
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