Charities & Care Sector Insurance insurance

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Why do charities & care sector organisations need insurance?

Obtaining the correct insurance will minimise the disruption and give peace of mind. Damage to or theft of equipment, injury to staff, service users, or members of the public, prosecutions, tribunals – just some of the disasters that could hurt your organisation. With all the amazing work charities and care organisations do, the right care sector or charities insurance ensures that a disaster doesn’t lead to closure, protecting not just employees and directors, but also the members of the public who rely on the generosity and support these organisations provide.

The cover you need will be determined by the activities you undertake and the scale of your organisation, so whether you are a registered charity or not, and whatever your size, Sutcliffe & Co can provide a comprehensive range of insurances tailored to you. If simple cover is all you need, then we will not force unnecessary extras upon you. Larger, or more unusual or complex enterprises will require bespoke policies.

What insurance does a charity & care sector organisation need?

A basic policy would normally cover:

Public liability

Book debts

Frequently asked questions

What other cover might your charity & care sector organisation need?
How much does charity & care sector insurance cost?
How do I get a quote for charity & care sector insurance?
In the modern era, many business owners opt to use comparison sites to find lower premiums for their insurance. By using a broker, the time-consuming and meticulous task will be completed on your behalf, ensuring you receive the correct cover required – as well as being able to discuss your needs and concerns.
If you would like to get a quote for your charity or care sector organisation, you can contact Sutcliffe & Co. to receive an accurate and personalised quote, tailored to suit your unique requirements. We can offer you the correct cover for the right price, whilst being there to support you all the way.
How easy is it to get charity & care sector insurance?
Depending on the size and complexity of your charity or care sector organisation, cover can be as simple as a handful of details for small charities and organisations. In contrast, larger organisations with more specific requirements would need an in-depth call with one of our professional team members. Once we understand your needs, we can access specialist underwriters to create a bespoke and personalised policy that covers all your needs.
What are the legal requirements for charities & care sector organisations' insurance?
Most insurance is not a legal requirement, except statutory cover, which includes motor insurance and employers’ liability. If you have employees or volunteers, employer liability will be a legal requirement. If you are registered with CQC or the local authority there may be additional requirements.
Contractual agreements with customers and suppliers may include an obligation to purchase certain cover that may not be required by law. It is expected that a well-run business, with good risk management, will purchase the necessary cover to protect against unforeseen disasters which could be catastrophic to you and your business.
Contact us to find out what insurance coverage your charity & care sector organisation needs to keep within the law.
I’m a medical professional, what do I need?
Why you should choose Sutcliffe & Co. for your charity & care sector insurance.
Sutcliffe & Co are an independent brokerage, which means we can approach a vast range of insurance companies to find you insurance that is right for your business at a competitive premium. At renewal, we can review the market again to ensure that you are not paying too much. In the event of a claim, we will work for you to help you obtain a speedy settlement.
If you would like to receive professional advice, please contact us.