There are over 200,000 registered charities in the UK, plus an estimated further 100,000 smaller charities that are exempt from registration because of their size and turnover (in England and Wales only charities with an income over £5,000 need to be registered.)
We work with caring and fundraising organisations of all sizes, large and small, across the UK to make sure they have the right cover in place to protect the vital work they do in our communities.
Charities can have diverse insurance needs, and our expertise in the sector means we can provide tailored cover for even the most challenging situations, whether it’s a specialist fundraising event, cover for staff and volunteers involved in hazardous foreign travel, or ensuring that their vans, minibuses and other vehicles have adequate insurance.
No matter how large or small, if your charity has paid employees you are legally required to have Employers’ Liability insurance. This provides cover in the event of you being held liable for injury to an employee if for example they slip on a wet floor or trip over loose wires. If your charity relies on volunteers, the general advice for insurance purposes is to treat volunteers in the same way as employees, to cover any claims from volunteers who have suffered injury in the course of working for you. With the breadth of knowledge and expertise we’ve built up over 70 years in liability insurance, there are few risks we’re unable to consider.
Read more about Employers' Liability
Effective protection against liabilities arising from claims brought by third parties is a must for any organisation. We have the expertise, capacity and appetite to help you manage your exposures, wherever you operate in the world.
Read more about General Liability
We offer up to 18 different covers – all of which we are expert in – making our Commercial Combined package one of the most comprehensive available in the UK market.
Read more about Commercial Combined
When it comes to protecting against the impact of unexpected physical damage and business interruption, you need an insurer with the expertise, capacity and commitment to respond. Our experience and expertise allow us to help organisations of all sizes.
Read more about Property
Cyber crime is one of the biggest risks facing businesses today, so companies must ensure they have robust IT security and comprehensive Cyber Insurance in place. Our Cyber insurance protects against the range of risks associated with digital technology and provides critical support in the event of a cyber attack.
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Fraud can cause significant damage to cash flow and profitability, as well as reputation and investor confidence – so we provide protection for the whole range of evolving fraud risks. Our Commercial Crime cover protects against money, stock, goods, securities, property or funds being stolen by employees or third parties. It also protects against the theft of clients’ money or property for which you are responsible.
Read more about Commercial Crime
Professional Indemnity insurance protects individuals who provide advice from bearing the cost of claims for negligence, and from paying damages awarded against them. We have the flexibility to tailor cover to suit individual circumstances, which can be helpful in a rapidly changing sector.
Read more about Professional Indemnity
With regulators increasingly holding directors and officers personally responsible for problems that arise, Directors’ and Officers’ Liability cover is becoming more important – to cover individuals responsible for managing the charity’s affairs against being held personally liable if things go wrong.
Read more about Directors & Officers’ Liability
The most valuable assets in any organisation are its people. We offer tailored Accident and Health cover to help organisations fulfil their duty of care to employees around the world. Cover can include personal accident, sickness, travel and related products.
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The threat of kidnap and extortion is very real in today's world. As well as financial protection, we provide expert support in the event of a crisis from specialist kidnap response consultants. Our tailored Kidnap and Ransom cover protects against the threat of kidnap, extortion or illegal detention.
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If your charity operates cars, vans, minibuses or any other vehicles on public roads, you must have sufficient insurance in place. Technical expertise, customer-focused service and strategic risk management have established QBE as a market leader in the commercial motor sector.
Read more about Motor Fleet