10% discount* on charity insurance for Charity Digital members

Specialist public liability, employers' liability, cyber insurance and more from Markel Direct

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  • Fast, easy online quote in 90 seconds

  • 24hr legal helpline and legal document hub

  • Instant documents and proof of insurance

Charity Digital have partnered with Markel Direct, a specialist insurer of charities and community groups, to offer a 10% discount* on charity insurance to Charity Digital members with code CD10.

Markel Direct's specialist charity insurance is designed to protect you against the unforeseen – from a personal injury claim by a member of the public during an event, to an allegation of abuse by a volunteer.

Few charities have the finances to cover costs, damages and any awards made against them in the event of a claim. Our specialist charity insurance helps to provide cover against these scenarios, giving you peace of mind that if something unexpected happens, your organisation is covered by an expert.Why insure with Markel Direct?

10% discount* for Charity Digital members

Charity Digital members can enjoy a 10% discount* on charity insurance from Markel Direct, including public liability, employers' liability, trustee indemnity and more with code CD10.

Fast, easy online quote

Markel Direct's hassle-free website offers instant cover online, from £3 a month**, in a matter of minutes.

Be protected by an award-winning insurer

Markel Direct are an award-winning insurer with over 35,000 customers in the UK and are rated 4.7 out of 5 from 3,000+ Feefo customer reviews.

Instant documents

Policy documents are emailed instantly when you arrange cover, so you can prove you are insured straight away, for example to fundraising venues.

No hidden fees or cancellation charges

There are no hidden administration charges to make a change to your policy or cancel mid-term.

*Discount terms and conditions

The 10% discount will be applied to the net policy premium before insurance premium tax is applied. All quotations provided will be subject to meeting underwriting and claims criteria acceptance. All cover will be subject to full policy terms and conditions which are available here. The discount is available from the 1st June 2025 until 1st June 2026. Offer can be withdrawn at any time. Minimum premium applies.

**Price based on a small charity requiring £500,000 of trustees liability and charity professional indemnity.

What does charity insurance cover?

Our charity insurance can provide cover against a whole range of risks facing your organisation, including:

  • An accident involving a visitor at a fundraising event that results in a personal injury claim being made against your charity (public liability charity insurance)
  • An allegation of wrongdoing against a charity trustee and a subsequent investigation by a regulatory body (trustee indemnity insurance)
  • A volunteer injuring themselves while working for the charity and being unable to work (employers' liability insurance)
  • A service user alleging the charity provided sub-standard services and seeking compensation (professional indemnity insurance)

Any one of these situations could have disastrous consequences for your charity – so it’s wise to get the right type of charity insurance cover for your needs.

Hear from our customer, Ronan, about his insurance claim for his snooker club:

Ronan's youtube thumbnail

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Cover starting at £3 a month

Tailor your insurance with these covers

  • 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 your sports if someone is injured, or their property damaged, due to your negligence. Claims covered by public liability insurance are wide ranging but include many of the common personal injuries; examples include if a club member were to be injured during an event due to a failure on the part of the sports club, or if a spectator were to be injured at the fault of the sports club. Public liability insurance covers the legal fees and compensation payments that would be payable. 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 sports club employs staff on a casual, part time or full time 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 sports club against allegations of professional negligence. If your club provides coaching or training to its members, professional indemnity insurance can protect against claims that may be made against you if the service is sub-standard. 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. If your club, society or association is registered as a charity or has trustees, you should give serious consideration to trustee indemnity insurance. 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) while on your group’s premises.

    You can also choose to insure your group’s equipment, such as laptops and mobile phones, on a worldwide basis. In addition, you can insure against additional trading expenses following an interruption, for example, a flood that means your group has to operate from other premises.

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes protects your group 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 insurance

    Money and personal assault insurance covers loss of money for fixed limits up to a maximum of £250,000 for non-negotiable money such as crossed cheques and £2,500 for negotiable money. In addition, 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 group 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. Cover from £50k to £250k.

  • Fidelity insurance

    Fidelity insurance protects your group against dishonesty or fraud by volunteers or employees. This could be, for example, if the volunteer who handles your accounts was found to have stolen money from the group’s funds for their own personal benefit. Cover for £50k.

  • Occupational personal accident insurance

    Occupational personal accident insurance helps your group’s volunteers and employees if they are accidentally injured in the course of your 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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Frequently asked questions

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Cover starting at £3 a month

Frequently asked questions

  • Does the policy cover volunteers?

    Yes - the employers' 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.

    To find out more on insurance for volunteers, read our article here.

  • Does the insurance 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?

    As a division of Markel International, a Lloyd’s of London market insurer, we've gained an unrivalled understanding of the risks that small charities and community groups face. This is why our policies are specially designed to protect you.

    If you’re still not sure why to choose Markel, call us on 0800 640 6604 and one of our insurance experts will be happy to answer any questions you have and explain the insurance available for your charity or group.

  • How are Markel Direct regulated?

    Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.

Insure with Markel and access these specialist services for your charity

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, an experienced team of 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 Markel Business Hub access

In addition to our 24 hour legal helpline, you'll have access to the Markel Business Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. 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 charity 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 £3 a month

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