Insurance for community interest companies and trusts

Specialist insurance for community interest companies and trusts of all descriptions from just £6 a month

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With over 25 years experience in the non-profit sector, our insurance for community interest companies (CICs) and trusts offers comprehensive protection against the many risks facing charitable organisations.

While everyone strives to maximise the impact of their CIC or trust, not everything goes to plan. An injury caused to a visitor during a fundraising event, a volunteer alleging bullying by a committee member or damage caused to expensive equipment used by your organisation could have severe financial consequences. Without the right insurance cover in place, your CIC or trust would be left to settle any claims (or put right any damage) out of their funds.

Our community interest company and trust insurance offers protection against such situations, meaning that if the worst happens, you’ll be covered.

In addition to your insurance policy, when you insure with Markel you’ll enjoy access to our 24 hour legal advice helpline and legal document hub to help you manage difficult legal situations without the expense of hiring a solicitor.

Buying cover for your CIC or Trust is simple – our fast and easy online quote form will help you to build a policy with only the insurance you want to buy and no unnecessary extras. Cover starts at just £6 a month - get a quote now!

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Cover starting at just £6 a month

Insurance covers for CICs and trusts

  • Public liability insurance and employers' liability insurance

    To ensure comprehensive protection against claims, we group our public liability insurance and employers' liability insurance together.

    Public liability insurance covers the cost of defending claims against your CIC or trust if someone is injured, or their property damaged, due to your negligence. Public liability protects against many common personal injury scenarios - for example, a visitor slipped and injured themselves during an event held by your organisation. Without cover in place, the legal fees and compensation payments could run into thousands of pounds. Cover for £5m.

    Employers' 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 interest company or trust has employees on a full time, part time or volunteer basis, this cover is essential. Cover for £10m.

  • Professional indemnity insurance and trustee indemnity insurance

    To ensure comprehensive protection against claims, we group our professional indemnity insurance and trustee liability insurance together.

    Professional indemnity insurance covers the cost of defending your trust or CIC against allegations of professional negligence. This could be, for example, if you provide poor or negligent advice to a client. It covers the legal fees, as well as any compensation that may be payable. Cover from £250k to £1m.

    Trustee indemnity insurance (also known as trustee liability insurance) covers the legal costs and expenses of defending against disqualification as a trustee, investigations or extradition proceedings. You should consider arranging trustee indemnity insurance for your CIC or trust's trustees to protect them against these risks. Cover from £250k to £1m.

  • 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).

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes protects your community interest company or trust against employment disputes, official investigations and other serious matters, including crisis management, identity fraud, official investigations (excluding HMRC), corporate manslaughter, pollution and data protection issues. Cover for £100,000.

  • 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).

  • Cyber and data risks insurance

    Cyber and data risks insurance protects your CIC or trust in the event of a targeted cyber attack. It pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit. It also pays your legal defence costs and damages you are legally liable to pay to other parties. Ransomware attacks in particular are becoming more common and if your CIC or trust holds confidential information about its employees, volunteers or service users, you should consider arranging cyber and data risks insurance. Cover from £50k to £250k.

  • Fidelity insurance

    Fidelity insurance protects your community interest company or trust against dishonesty or fraud by volunteers or employees. This could be, for example, if the employee or volunteer who handles your accounts was found to have stolen funds from the organisation for their own personal benefit. Cover for £50k.

  • Occupational personal accident insurance

    Occupational personal accident insurance helps your CIC or trust's volunteers and employees maintain an income if they are accidentally injured in the course of  activities. It pays a weekly amount for temporary total disablement, or a lump sum if they suffer loss of limbs, sight, speech, hearing, permanent total disablement or death. Limits from £100 per week/£25k lump sum to £500/week/£100k lump sum.

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Support
Third Sector Awards headline sponsor Carers Trust are our supported charity
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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, community groups and clubs 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 £800m ($1.2 billion) in 2015.

    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 0800 640 6604 - 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 charity or group. Alternatively, get a quote now and call us later if anything needs clarifying.

Access these exclusive services when you insure with Markel

24 hour legal helpline 24 hour legal advice helpline

When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety or how to handle a difficult situation, the experienced team at LHS Solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.

Legal hub access Legal hub access

In addition to our 24 hour legal helpline, you'll have access to hundreds of legal document templates in our online legal hub, powered by LHS elXtr. Instantly download ready-made policies, procedures and guidance you can use for your group - without paying any expensive legal fees. Included as standard with all policies.

 Public relations crisis management service

Public relations disasters can occur at any time and having to deal with the press can be hugely stressful. When there is a risk to your village hall or community centre as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into affairs. Included as standard with professional indemnity insurance and trustee liability insurance, cyber and data risks insurance and legal representation and employment disputes insurance.

 Cyber response helpline

If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.

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Cover starting at just £6 a month

Our support of the community and charity sector

As a specialist insurer of for small charities and community groups, we are only too aware of the importance of these organisations and we support the sector in a number of ways.

Britain's Best Volunteer award

Britain's Best Volunteer award, run in partnership with Small Charities Coalition, celebrates the achievements of those who volunteer their time to help small charities, local community groups and not-for-profit organisations.

The winner receives a donation of £1,250 to their charity, while each runner-up finalist receives a £250 donation, as well as generating valuable awareness for small groups that may otherwise struggle to be heard above other, larger charities.

Carers Trust - our supported charity

Carers Trust work to improve support, services and recognition for anyone living with the challenges of caring, unpaid, for a family member or friend who is ill, frail, disabled or has mental health or addiction problems. Carers don’t choose to become carers: it just happens and they have to get on with it. Since 2008, we've raised over £150,000 for this deserving cause through cake sales, dress down days, sponsorship and challenges. In addition, each Christmas we donate around 100 hand-wrapped gifts to our local carers centre to give to isolated carers that are unable to travel far from home.

Carers Trust Christmas gifts

Third Sector Awards - headline sponsor

The Third Sector Awards recognise those who give back to the community and celebrates organisations and leaders from across the charity sector. As headline sponsors, we are proud to support the awards and the opportunity it gives charities to raise their profile and increase valuable awareness of their cause.

Third Sector Awards - headline sponsor
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Cover starting at just £6 a month