Find a specialist charity insurance broker
Charity cover is priced on the detail of how you operate — your trustees, volunteers, fundraising events, donated stock and overseas activities. CoverBroker matches you with a broker who places third-sector risks daily, so your trustees, volunteers and property are protected properly instead of carrying gaps.
Free, no obligation — you don't pay a fee to be matched.
How we match your charity risk
The right charity insurance broker depends on how your organisation operates. When you submit an enquiry we ask about your trustees, volunteers, activities and property, then match on the criteria below.
Charities and community groups
Registered charities, CICs, social enterprises, community groups, trusts and foundations — we match you with brokers who place third-sector cover every day.
Trustee and officer liability
Brokers who arrange trustee liability cover so trustees acting in good faith are protected against personal liability and legal costs.
Volunteers and employees
Brokers who extend employer's liability and personal accident to volunteers, fundraisers and home-workers — not just paid employees.
Charity shops, property and events
Brokers who value donated and second-hand stock correctly, cover charity shops and offices, and arrange fundraising and event cover.
Activities and overseas work
Brokers who cover the full spread of charity activities, including overseas projects, advice-giving services and trustee meetings.
Funder and regulator requirements
Brokers who place cover that meets the limits and extensions your funders, regulators and lease agreements require.
Your documents are safe
Upload your current charity policy schedule, statement of fact or renewal invitation. Here is exactly how they are handled.
Secure storage
Your charity insurance documents are encrypted at rest and shared only with your matched broker.
GDPR-ready
UK & EU data protection. You can delete your documents at any time.
No obligation
Free to use. If the broker cannot improve on your current terms, you simply stay where you are.
Charity insurance questions
- What is a charity insurance broker?
- A charity insurance broker specialises in placing cover for not-for-profit organisations — registered charities, community groups, social enterprises, trusts and foundations. They understand trustees' duties, volunteer engagement, fundraising events and the unusual property and liability exposures charities carry, and present them to underwriters who price third-sector risks.
- What cover does a charity insurance broker arrange?
- Typical policies include public and products liability, employer's and trustee liability, property and contents cover for charity shops and offices, business interruption, money cover, professional indemnity for advice-giving charities, events cover for fundraising, and volunteer personal accident. A broker structures these into one package rather than leaving gaps between separate policies.
- Why use a charity insurance broker instead of a standard business policy?
- Standard commercial policies often exclude volunteer workers, fundraising events, home-working trustees, overseas activities and donated stock — all common in the third sector. A charity broker specifies the right extensions, agrees sums insured on donated and second-hand goods, and covers trustees' liability so a trustee acting in good faith is protected.
- Do trustees need liability cover?
- Trustees can be personally liable for breaches of duty or certain losses. Trustee liability insurance covers the legal costs and certain liabilities of trustees and officers acting in their capacity for the charity. Most charity commissions and funders expect it as part of good governance, and a broker places it alongside your other covers.
- Are volunteers covered under a charity policy?
- A charity broker arranges employer's liability and personal accident cover that explicitly extends to volunteers, not just employees. This matters because volunteer injury, property damage by volunteers and fundraising activities are common claims that a standard policy may exclude.
- What documents help a charity insurance broker quote accurately?
- Your current policy schedule, statement of fact and renewal invitation. If you have them, a list of activities and events, volunteer and employee counts, property values and any funder or regulator requirements help too. Upload whatever you have — your matched broker will tell you if anything else is needed.
- Is the introduction and AI review free?
- Yes. The introduction to a specialist charity insurance broker and the optional AI review of your current policy are both free. If a broker takes your enquiry forward, they may pay us a referral fee.
Looking for a related specialist? See our public liability insurance broker and employers' liability insurance broker pages.
Get a charity insurance broker quoting on your renewal
Upload your schedule or statement of fact and we'll introduce you to a specialist charity insurance broker — with an optional free AI review of your current cover.