Do I need: Charity Insurance? in Norwich, Norfolk

Posted 19/06/2017

As the old saying goes ‘hope for the best but plan for the worst’. Charities face risks, and although every charity usually has a stringent set of risk management policies in place, sometimes these are not enough.

As with all commercial insurances, there are some sections of cover that are required by law and others that are not.

For example, Employers Liability is a legal requirement, not just for paid employees but also for volunteers. It is believed that all staff (whether permanent, temporary or voluntary) should have received the training necessary to carry out their duties and that any essential checks, such as DBS checks, have been carried out by the charity in advance where required by law or regulation. Not only this, Public Liability is an important level of cover for any charity wishing to operate as it covers your legal liability for injury to any person (other than employees) and/or loss or damage to property.

Business Interruption is an element of cover that is often overlooked. This cover becomes active following an insurable loss, such as a fire or flood, and its purpose is invaluable. Firstly, to ensure that your charity gets back up and running as soon as possible (if possible) and, secondly, to limit and financial loss. There are different types of business interruption cover and your insurance broker should discuss your exact requirements carefully to ensure that you are covered correctly.

Trustees Indemnity & Management Liability covers are also important to a charity. It is vital to know that a claim can be made against the trustees individually if it can be proven that they have acted negligibly in their role. Therefore this section of cover insures against financial losses and legal costs arising from the errors or omissions of trustees and also, usually, officers, employees and even volunteers.

We take great pride in working closely with charities. We understand that arranging insurance can be time consuming and that time spent pouring over insurance can be spent much better elsewhere, especially where charity work is involved. Therefore, we work to reduce effort on your part and collect information proactively in the first instance and throughout your policy. With no call centres, you are always guaranteed to speak to one of our friendly team straightaway.

If you are a charity and would like some advice on your insurances, please do get in touch with us on 01603 954054.


Back to Latest News
Do I need: Charity Insurance?

Carl Rich - Nurture Financial Planning

It gives me enormous pleasure to write this Testimonial for Drayton Insurance Services.Not only did they take the hassle of having to do all of the running arou...

Read More

Mr & Mrs Pilch - S & T Pilch and Son

Our recent claim was very quick and easy and I would highly recommend your company to others - especially in the farming sector!

Read More

Nils Van Minden - VMIT

Who else wants to save 34.93% on their home insurance and 23.31% on their landlord insurance?To any home owner or landlord who wants to save money.I recently as...

Read More

Michele Perry - PX2 Ltd

I would like to express my thanks to Drayton Insurance for helping me to select cover for my working at home business. The team were very thorough in findi...

Read More

Robert Howe - The East Anglian Lift Co Ltd

We have been with Drayton Insurance for many years, we’ve found the personal & professional service received has been exceptional. Not only have we saved money...

Read More

Jan Rout - Property Owner

I was very impressed with one of your sales team, Tom. I have a thatched holiday cottage that I let which was proving hard to insure as so many insurers have st...

Read More

Julian Stephens

I would like to let it be known to yourself that after a telephone conversation with one of your colleagues, Jo Harris, I received very helpful and profes...

Read More

Roger Margand - Spire Solicitors

This letter is a testimonial in relation to the service you gave me. I came to you with a travel insurance that I wanted a tweak on in relation to scuba diving...

Read More

Stuart Edge - No Letting Go - Norwich

Incredible Service On Monday 4th August 2014 I, or more correctly my car, was involved in a road traffic collision when a car reversed into my parked car. Fort...

Read More

Julie Fox

You were incredibly helpful and very quick to return my call with a quote which happened to be £1000 less than that quoted by your competitor, who upped my...

Read More