Charity Insurance

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  • Top-tier insurance, unique only to charities

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands


General Liability (GL)

From
39
Month
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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

Required coverage to operate


General Liability + Directors & Officers (D&O)

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All Basic plan benefits and:

  • Theft of trade secrets
  • Misrepresentation
  • Wrongful acts
  • Criminal proceedings

PRO

Get protected against employment-related issues


GL + D&O + Commercial Property

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All Standard plan benefits and:

  • Natural disasters
  • Equipment breakdown
  • Revenue loss
  • Construction costs

CUSTOM

When you have specific requirements


Including Commercial Property, Hired & Non-Owned Auto, etc.

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Frequently Asked Questions

Why do Charities need insurance?

Even charities face risks, so they can benefit from the protection that insurance offers. It is the best way to manage risks if there is a liability claim against your charity. Moreover, defending a claim cannot only be expensive but a stressful as well - even if your charity is not at fault. The cost of the subsequent damages awarded could not only destroy your charity's finances but could damage your reputation as well.

What risks do Charities face?

Charities face many risks, and the worst possibility is a tarnished reputation. Trustees are entitled to have their payments made, but unlawful payments can result in a personal liability for the trustee. This also will result in a breakdown that could destroy public confidence. Most often, fundraising is the income for charities and downturns in the economy can pose a huge risk to charities.

Accidents can happen, and no charity can protect itself from claims made against you. An audience at your fundraising event may be involved in an accident, or an employee injured themselves at the event - possibly resulting in a legal action against your organization. The list is exhaustive, but these are the common risks charities can face.

How much does Charity Insurance cost?

Charity Insurance policies meet the unique needs of a charitable organization. However, like any business organizations, charities need to protect their assets and finances as well. Here's a list of some insurance charities need as well as how much the annual premium is.

  • Commercial Property insurance costs around $400 in the annual premiums.
  • General Liability Insurance costs around $500 in the annual premiums.
  • Directors & Officers insurance costs around $900 in the annual premiums.

What are Charities all about?

These establishments are committed to raising funds for different activities. Examples include community chests, united fund councils, federated charities, and federal funds for colleges.

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