Charity Not For Profit Insurance

Charities throughout Northern Ireland face many risks that can result in loss, damage or liability for trustees—and for the charity as a whole. Risks include a loss of charity assets or resources, damage to a charity’s property and third party liability for professional indemnity or public liability. Part of mitigating these risks is having an appropriate insurance policy. The following is a brief overview of different covers that charities should consider.

Volunteer Considerations

Many charities will use the services of volunteers. While volunteers are not considered employees, charities still have a duty to ensure their health and safety and give them proper training and supervision. If a volunteer is injured as a result of the charity’s negligence, he or she could file a claim against the charity or trustees. The charity and its volunteers should also be covered in case a third party is injured due to actions of volunteers. Charities should check their insurance policies for the following:

• Whether the insurance policy includes volunteers, such as employers’ liability extending to volunteers
• What the policy definition for ‘volunteer’ is
• Whether any upper or lower age limits apply
• What types of volunteer activities are covered

Typical covers necessary for a Charity / Not-for-profit organisation

• Employers Liability
• Public Liability
• Motor Insurance for carrying passengers or children such as minibuses
• Buildings and contents
• Abuse cover
• Employee dishonesty / fidelity cover
• Money including cash tin collections
• Professional Indemnity
• Personal accident
• Trustee Liability and Employment Practices Liability
• Business travel cover
• Events and adventure sport activities