Charity Insurance

Bespoke package policies so you only pay for the cover you need.

  • Not-for-profit insurance sector experts
  • Cover designed specifically for charities
  • Employers Liability with volunteers covered as standard

Call us on 0330 123 5274 or get a quote online.

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Why choose charity insurance with Towergate?

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A bespoke policy for charities

Unlike many charity policies, ours is designed specifically for the sector as we understand an ordinary commercial policy will not focus on charity risks, such as donated goods, prizes and fundraising.

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Legal and stress advice

Included as standard as part of your policy.

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Team of experts

Knowledge and support from a team with vast  insurance experience.

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Charity claims team

We facilitate your claim, so you aren’t passed from pillar to post.

About charity insurance

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Cover that can meet your charity's unique needs

We understand that all charities are different and our relationships with insurers means that we can meet each charity’s individual requirements. This means that if you have a specific insurance requirement, or might not need certain cover, we can approach the right market to make sure that you get the solution that meets your charity’s needs.

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Fundraising events covered

Our policy includes public and product liability cover for the majority of potential fundraising events that you may organise across the year, but in some cases, there may be some activities that need additional information or alternative arrangements. Our specialist team can provide you with a fundraising guide to make the process simpler.

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Charity trustees and volunteers included

As a charity, it’s inevitable that you will have many volunteers for a variety of events, across different areas and days. As part of our policy, we cover all volunteers as employees, so you don’t need to let us know if you have more or less for any specific reason.

We also automatically include £100,000 limit of indemnity for charity trustees as part of our policy as standard with higher limits available. This cover helps protect the trustees against claims for wrongful acts or omissions.

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Business interruption cover

If you find yourself experiencing loss of revenue or incurring additional costs to reduce or avoid loss of revenue for a period of time following an Insured event, for example your building is damaged or affected by causes such as fire, storm damage, water damage or vehicle impact, this cover is designed to put your business back in the same financial position it was in before the loss occurred.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 5921 or email careclaims@towergate.co.uk and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Charity insurance FAQs

If your charity employs staff or operates vehicles on public roads, insurance is a legal requirement. At Towergate, we advise that charities think about getting a charity insurance policy in place. Reasons for this include, for example, if your charity premises is flooded and business interruption cover, which is included within a Towergate policy ensure that your charity can carry on providing support and generating funds.

No, you do not need to extend your policy. Corporate Manslaughter Defence Costs cover has been included within our policy since the Act came into force in 2008.

This policy does not cover any claims relating to Communicable Disease, epidemics and/or pandemics, gradual deterioration or wear and tear and acts of fraud or dishonesty. Please contact us for further information about the significant terms, conditions and exclusions of the policy which can be provided when you speak to one of our advisors. A policy wording is available upon request.

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