Charity and not-for-profit insurance case study: specialist cover for the UK’s third sector
Many charities and not-for-profit organisations face a UK insurance market that wasn’t built with them in mind. Standard policies leave gaps for safeguarding risks, clinical activities, trustee liability, and the broad range of services many charities provide. One uncovered claim can be financially and reputationally devastating.
The charity team at One Broker, part of Jensten Group, works with more than 2,000 charities, not-for-profit organisations, and voluntary groups through its specialist charity scheme, backed by over 20 years of sector experience.
Typical client profile
- Organisation type: Charities, not-for-profit and voluntary organisations of all sizes
- Activities: Care services, clinical and therapeutic programmes, housing support, community services, fundraising and retail of donated goods
- Common pressures: Funding constraints, safeguarding obligations, regulatory scrutiny, mergers and expansion into new service areas
- Market challenge: Standard insurers frequently decline or impose exclusions that leave significant gaps for charities with complex or specialist activities
The core challenge: complex risks that standard insurance doesn’t cover
Charities rarely have a simple risk profile and many general insurers lack the requisite specialist knowledge to identify coverage gaps.
- Safeguarding and abuse liability
Standard public liability policies typically exclude abuse and safeguarding risks, leaving organisations working with vulnerable people dangerously exposed. - Trustee and professional liability
Trustees can be held personally liable for decisions made on behalf of their organisation. Many don’t realise this exposure exists until it is too late. - Clinical and treatment risks
Charities delivering counselling, therapeutic support, or clinical programmes need specialist treatment risk cover that standard insurers will not provide. - Expansion and structural change
Mergers and new service offerings alter a charity’s risk profile. Without a specialist broker, these changes may go unrecognised at renewal. - Donated goods and fundraising events
Standard policies often fail to cover second-hand goods at market value or extend automatically to fundraising activities.
- Safeguarding and abuse liability
The solution: specialist advice and bespoke cover
Every member of the One Broker charity team brings deep experience and knowledge to the sector. This shapes how they identify risks, ask the right questions and arrange cover that reflects what each organisation actually does and needs specifically.
- Specialist charity scheme
Exclusive terms unavailable from standard insurers include public liability extended to cover abuse claims up to £5,000,000, professional indemnity up to £5,000,000, trustee indemnity up to £5,000,000, donated stock at market value and automatic cover for fundraising events with up to 1,000 attendees. - Free risk management review
The team visits clients identifying exposures and advising on safeguarding practices and risk controls. - Bespoke approach
Each client’s circumstances are worked through individually to ensure no gaps remain at renewal. - Claims support
Every client has access to a free 24-hour counselling helpline for staff and volunteers, professional risk management services and experienced claims support.
The outcome
The One Broker team arranges specialist charity and not-for-profit property coverage far beyond what the standard market offers.
- Comprehensive cover
Across clinical services, safeguarding, trustee liability, donated goods and events, with exclusive terms that the standard market can’t offer. - Expert guidance
From a team with genuine personal connections to the sector, who know where the risks can hide. - Long-term partnership
With annual reviews that ensure cover keeps pace with how the organisation evolves.
For many UK charities, the right insurance partner is the difference between being able to operate and not and being able to operate at full capacity and possibility, too. One Broker’s dedicated team and specialist charity and not-for-profit scheme arrange the protection organisations need so they can focus on what matters most.
If you’d like to review your existing arrangements or discuss your organisation’s insurance needs or anything in this charity insurance case study, visit our Charity Insurance page to learn how the One Broker team, part of Jensten Group, supports charities and not-for-profit organisations with tailored insurance solutions. If you’re ready to make an enquiry now, call the One Broker charity insurance team on 01206 986695 Monday-Friday from 9am to 5pm, or you can send an enquiry online here at any time.