Typical Risks

We can organise charity public liability insurance as a stand alone policy or combine it with other covers to meet the needs of your organisation

We only deal with charities and can access specialist charity liability products from a range of insurers

We offer advice even to small charities to help you understand the exposures that your charity has

Public Liability Insurance for Charities

Most charities first contact Ladbrook because they have a concern or a specific requirement to insure their organisation for their public liability. Charity Public Liability Insurance covers your non profit organisation if you are held liable for losses from damage or injury to a third party.

We are independent and advised. This means we can access different insurance products and offer advice on the appropriate level of cover for your charity.

While a few insurers will treat volunteers as members of the public, most require an Employers Liability Insurance policy. Contact us to discuss your charity public liability insurance needs.

Shelley Bacon

Account Handler

Although not a legal requirement Charity Public Liability Insurance offers protection against claims for injury caused by negligence and damage to third party property.
Shelley Bacon

Customer Reviews

Charlotte has handled our insurance renewals for nine years now. As a new Charity taking over a Community Library in 2015, it was scary navigating through compliance matter such as insurance. Charlotte steered and helped us through in those early days and has been with us ever since. She is always available; always responds in a timely manner and we never feel any question or query is silly. She is a reassuring presence in our Operation. We feel she goes the extra mile to understand our ever increasing financial and regulatory pressures of an entirely volunteer led Charity.

Margaret Bowler at Markfield Community Library

Claudia Passmore

Friends of Wandon Recreation Park found representatives of Ladbrook Insurance to be very professional, but at the same time extremely helpful and took time in understanding what our insurance needs were and the best policy for us. We would highly recommend Ladbroke Insurance.

Cherry at Friends of Wandon Recreation Park

What a delight to work with Tim and his team. Totally professional, they responded rapidly to an urgent insurance requirement for our club after our previous insurers let us down badly. Tim took a real interest in what we do and came up with an ideal policy at a great price in record time. Thank you!

Roger Stone – Invicta Military Vehicle Preservation Society Ltd

Charity Public Liability Insurance

There are lots of nuances to public liability insurance for your charity. Here are some points that you might consider.

Public Liability and Abuse in Charities

charities that work with young or vulnerable people are very sensitive towards safeguarding issues. A vital question is how your public liability insurance would react in the event that a civil case was bought against the group.

First of all, there is the matter of disclosure. It is essential that your insurer understands the extent of your activities, else you might find that any claim is disputed. You can read more about that in our guide to The Insurance Act.

Next the cover is a consideration. Some charity insurers completely exclude abuse as a risk, some require DBS checks and a safeguarding policy, some remain silent on the matter, leaving it open to interpretation and some place other restrictions on the cover, such as claims made wording.

If you need some advice on your abuse exposure and how your public liability insurance would operate, get in touch.

Charity Liability and Transport

Many charities are in the business of transporting service users or volunteers to carry out their activities. While one on one time in a vehicle with a service user can be a higher risk activity, it also can be the most productive time too. We have produced a paper considering some of the liability and risk considerations for charities involved in transport.

We have written some other specific help guides too:

Charities planning fireworks events

Community groups and litter picking

Other Resources:

Advice from the Government on how to insure your charity

A Government Guide: Charities and Insurance

Our blog concerning authorities and public liability insurance obligations: Contractual Insurance Obligations

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