Charities, Clubs, & Associations Insurance

We have many years’ experience which helps us to understand the exposures that are faced by Charities, Clubs and Associations.

Why do I need Charities, Clubs & Associations Insurance?

Many organisations, in addition to protecting their assets and equipment, would provide protection for the individuals responsible for the managing and administering of a charity, club or association via a trustee indemnity policy which would provide cover for the exposure of the individuals only.

However as the world has progressed, so too has the need for Charities, Clubs & Associations Insurance. The organisations themselves have become more advanced in the way they promote themselves, raise funding, use technology, and have also increased the number of services they provide.

Additionally, the legislation and the exposures faced by charities, clubs and associations have progressed too, bringing with it a variety of new risks that could leave the organisation facing claims that previously had not been perceived.

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What does Charities, Clubs, & Associations Insurance cover?

We can arrange Insurance for Charities, Nurseries & Associations and can offer a range of policy elements, including:

Buildings and Contents Insurance

If you own the premises on which you operate then buildings cover is essential and provides cover for an insured event. Contents coverage is also important and will help protect expensive equipment if a similar insured event occurs. Depending on your business we may also recommend separate stock insurance to cover damage to goods stored on-site for sale.

Business Interruption Insurance

When damage or unforeseen events do occur the financial strain on your business can be significant. Damages caused by fire, flood and even accidental incidents can prove a basis for cover under business interruption insurance, our experts will work with you to understand the most likely risks and provide adequate coverage.

Computers Insurance

Covers additional costs incurred in the form of increased cost of working and the cost of recompiling or restoring data following an insured accident as detailed above. Covers additional costs incurred following failure of electricity or telecommunications linked to the computer equipment.

Corporate Legal Liability Insurance

Corporate legal liability insurance (CLL) is purchased as part of a management liability insurance package, which includes directors’ and officers’ (D&O) insurance. The aim is to protect your business if a claim is made against it.

Cyber Insurance

A cyber insurance policy helps pay for financial losses they may incur in the event of a cyberattack or data breach. It can cover costs related to the remediation process, such as paying for the investigation, crisis communication, legal services, and refunds to customers.

Directors’ and Officers’ Insurance

D&O insurance reimburses the defense costs incurred by board members, managers, and employees in defending against claims made by shareholders or third parties for alleged wrongdoing. D&O insurance also covers monetary damages, settlements, and awards resulting from such claims.

Employers’ Liability Insurance (EL insurance)

EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover, with £10m being the industry standard.

Employment Practices Liability

When a company’s workers claim their legal rights as employees have been violated, employment practices liability insurance can protect against resulting litigation.

Legal Expenses

If someone takes legal action against you or your company Legal Expenses cover will support you in the cost of going to court.

Personal Accident Insurance

Covers both loss of earnings and medical costs which arise from a serious injury sustained at work – up to your chosen level of cover.

Public Liability Insurance

Public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It can cover legal costs and any compensation claims, if your business is found to be at fault.

Why use Jensten

Dedicated

A dedicated team that understands specialist insurance

Trusted

We are the trusted broker to businesses throughout the UK

Flexibility

Tailored insurance to the needs of your business

Talk to the experts

Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.

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FAQs

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Need Charities, Clubs, & Associations Insurance?

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