Charity & Not-For-Profit Insurance

Why choose Howden for Not for Profit Insurance?

Here at Howden, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing various policies, on your behalf, simple and straightforward. What’s not to like?

As a specialist insurance broker, our team recognises that each charity and not-for-profit policy needs to be as individual as its owner and their organisation, and that’s why we provide a flexible, personalised service, focused on getting to know you and finding out exactly what you want from your insurance.

Ultimately, whether you need to make a claim, purchase a new policy, or renew an existing one, just know that we’re here to help.

Benefits of working with Howden:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

Not-for-Profit Insurance with Howden

Our not-for-profit insurance is designed to protect organisations, which typically work for charitable, educational, social, or humanitarian purposes rather than generating profit, from the various specific risks and liabilities that they may face while carrying out their activities.

We’re able to provide flexible cover to cater for the unique challenges that are faced by such a wide variety of different organisations, including:

• Charities
• Not-for-profit organisations
• Social enterprises
• Volunteer groups and community organisations

With policies that can be customised for the needs of your organisation, we can also include a range of cover options within your policy too, such as:

• Buildings and contents
• Employment practice liability
• Cyber risk protection
• Personal accident and business travel
• Public liability
• Products liability
• Legal expenses
• Trustee liability
• Reputation risk including crisis management
• Money including raffle prizes and donations and money in collection tins and at fundraising events
• Business interruption

Who and what can Non-Profit and Charity Insurance cover?

Your people

A charity would be nothing without the people who work with it, from paid employees to volunteers and, of course, the people who use your services. Your Charity & Not For Profit Insurance package can include Trustee and Management Liability, protecting senior decision makers, as well as Employers’ Liability and Public Liability cover which can help pay settlements and legal fees as a result of injuries or accidents involving volunteers or visitors.

Your work

Depending on the nature of your work, you may be exposed to risks in the course of the work you do. Professional Indemnity cover is designed to protect against errors in your service, as well as Medical Malpractice cover – an especially important feature if you work with children or vulnerable adults. What’s more, your policy could include access to PR Crisis Management experts if a claim looks likely to affect your reputation.

Your assets

As an organisation, you may well own premises, equipment and other physical assets – from a children’s play frame to medical equipment or charity shop stock. Your insurance can include Buildings, Contents and Stock cover, protecting against fire, flood and crime.

Your money

We understand that charities are highly regulated environments, which must keep detailed records of the cash they receive and spend. Money cover could be invaluable if there are any allegations of theft or misuse of funds, whilst Legal Expenses insurance can keep your finances afloat if you have to defend against a claim. 

Whether you run a small-scale operation with limited resources or a national organisation with a high turnover, you will need to protect your people, volunteers, buildings and activities with specialist insurance and access to professional support when you need it. Without worrying about things going wrong, you can focus on doing a great job.

For a thorough assessment of your charity and not-for-profit insurance requirements, contact a member of the Howden team today. And if you need to make a claim, you can rest assured that our in-house claims team will work with you to ensure it’s settled as efficiently as possible.