Community group insurance

Specialist cover for community and voluntary groups from as little as £6 a month

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  • Free help from charity insurance experts

  • Interest free direct debit

  • No hidden fees or cancellation charges

Our specialist community group insurance can provide comprehensive cover for a multitude of risks facing community groups and associations, including small charities, fundraising groups, ‘friends of’ clubs and children’s and youth centres.

In an increasingly litigious society, community groups can find themselves exposed to expensive payouts without the right insurance cover. An accident during a fundraising event, a break in at your premises or an allegation of abuse by a service user could cause your community group serious financial problems. Our insurance for community groups can be tailored to cover all these scenarios.

Every community group is different, which is why we take the time to understand the activities your group undertakes and explain the cover we can offer you in plain English. We have over 25 years experience insuring not-for-profit organisations, so you will have the peace of mind you are insuring with a true specialist.

Our premiums start at just £6 a month with the option to pay over 10 interest free instalments. Get a quote now or call us today to speak to one of our insurance experts!

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Cover starting at just £6 a month

Insure your community group with these specialist covers

  • Trustee indemnity insurance and professional indemnity insurance

    Trustee indemnity insurance covers the legal costs and expenses of defending against disqualification as a trustee, investigations or extradition proceedings, protecting the trustee’s personal wealth. If your community group has trustees, you should give serious consideration to trustee indemnity insurance. Cover from £250k to £1m.

    Professional indemnity insurance covers the cost of defending your community group against allegations of professional negligence, such as giving poor or incorrect advice to a user of your services. This could be someone undergoing counselling with your community group, for example.

    Entity defence covers your community group against identity fraud, investigations (other than by HM Revenue & Customs), corporate manslaughter and breach of contract. Entity defence is included in your policy at no additional cost when trustee liability insurance is part of your policy. Cover for £25,000.

  • Public and product liability insurance and employer's liability insurance

    Public and product liability insurance covers the cost of defending your community group if someone is injured, or their property damaged, due to your negligence. Without cover in place, the legal fees alone could cost your group thousands of pounds. Cover for £5m.

    Employer’s liability insurance is a legal requirement if you employ staff or volunteers. It covers against allegations of injury or illness suffered by staff during their employment. If your community group has employees on a full time, part time or volunteer basis, this cover is essential. Cover for £10m.

  • Property damage insurance

    Property damage insurance covers your buildings, general contents (including stock), computer equipment, tenant improvements and glass (for which you are responsible) against accidental damage (including theft) whilst on your group’s premises. You can also choose to insure your community group’s equipment (such as laptops and mobile phones) on a worldwide basis, and insure against additional trading expenses following an interruption (for example, a flood that means your group has to operate from another premises).

  • Money and personal assault

    Money and personal assault covers loss of money for fixed limits up to a maximum of £250,000 for non-negotiable money (e.g. crossed cheques) and £2,500 for negotiable money depending on the nature of the loss. In addition to this if you, or members of your family, or employees, or members of their family, are injured during a robbery or attempted robbery, we will pay you either £5,000 or £50 per week for 104 weeks (depending on the nature of the injury).

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Cover starting at just £6 a month

Frequently asked questions

  • We're not a registered charity - can you insure us?

    Yes. Many of our clients are small charities or community organisations that are just starting up or are too small to be a registered charity.

  • Does the policy cover volunteers?

    Yes - the employer's liability and public liability section of the policy provides cover for your volunteers. As long as you purchase this section of cover from us, your volunteers will be covered.

  • Does the public liability section cover events?

    Yes - the public liability section of the policy provides cover for charity events (such as fundraising) for up to 500 attendees.

  • We don't have a regular meeting place - can you insure us?

    Yes. We cover hundreds of small charities and community groups that don't have a regular meeting place and instead rotate between different venues, such as members' homes, village halls and community centres.

  • Why should I insure with Markel?

    Established over 25 years ago, we've gained an unrivalled understanding of the risks facing small charities and community groups, and our policies are specially designed to protect you.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of $1.2 billion in 2014.

    We actively support the third sector. Since 2008, we have donated more than £150,000 to our supported charity, Carers Trust, and have supported numerous charity awards including the Third Sector Excellence Awards and Britain's Best Volunteer in partnership with Small Charities Coalition.

    Still not sure? Call us on 0845 688 2500 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.

We are specialists in community group insurance

As one of the pioneers of insurance for community groups, we have extensive knowledge of the risks facing the not-for-profit sector.

If you need to make a claim, our experienced, UK based claims team are on hand to return your community group’s activities to normal as soon as possible.

Our community group insurance premiums start from just £6 a month with the option to pay over 10 interest free instalments. Get a quote now!

ARRANGE A CALLBACK

Cover starting at just £6 a month