Available through Clear Wholesale, Charity Assured is a modular combined policy for most UK based charities and not-for-profit organisations with an annual income of up to £20 million. Sectors catered for can include animal welfare, arts, community, education, entertainment, hospitality, manufacturing, office-based activities and retail. The policy can be built from just a single section of cover, such as Property Damage or Liabilities only, through to a fully combined policy, via a series of optional additional cover sections.
Meeting your clients' needs
This product is designed to meet a range of requirements, including Data Breach Response, Professional Indemnity, Charity Trustees Management Liability, Personal Accident, Business Travel and Employee Dishonesty
Wide range of covers
From buildings and contents insurance, to using property at fundraising and catering events, the policy offers a broad collection of covers
Service
Online quote-and-buy functionality and documents are available - backed up by underwriters, risk management and claims service
In more detail
Cover options include*:
- Bequeathed property - covers property left in a will for up to three months, giving your clients time to get exactly the right cover in place. Includes buildings cover up to 10% of the sum assured (maximum £250,000) and contents cover (up to a maximum of £25,000).
- Buildings - cover for buildings up to £5 million declared value. Higher values may be accepted upon referral to underwriters.
- Buildings and contents items uplift - both covers are uplifted by 20% (to a maximum uplift of £500,000) helping to tackle underinsurance which might otherwise exist.
- Death or adverse publicity of a patron - if a patron dies or is accused of or charged with any criminal act or offence, or is the subject of adverse publicity, we’ll pay any resulting shortfall in revenue up to £25,000.
- Employees / Volunteers - cover for up to 250 employees / volunteers and / or £2 million annual wage roll. Higher numbers or values may be accepted upon referral to underwriters.
- Motor no-claims discount and excess protection - lets staff and volunteers use their own vehicles without losing their own no-claim discount or paying an excess if there’s an incident.
- Property at events - if your client needs to take property away from their premises for fundraising or catering events, it’s covered up to £5,000.
- Resilient repairs - if your client’s premises are damaged, instead of just replacing like for like, we’ll pay up to £50,000 in any one claim to help reduce the impact of similar future losses. For example, water-resistant kitchens or moving the fuse box and other electrics.
* Exclusions and cover limits may apply.