What Does Charity Shop Insurance Cover?
Our key covers include:
A comprehensive cover that protects buildings, their content and the stock inside. If an insured event damages your charity premise, property insurance can cover the cost of rebuilding or repairing the building. It can also cover contents (including appliances and furniture) and stock against theft or damage.
A specialised event liability insurance policy that covers events such as promotional talks and fundraisers organised by your charity.
Public Liability Insurance
Public liability insurance covers compensation payouts and the cost of legal defence if a member of the public files an injury, accident or property damage claim against your charity.
Employers Liability Insurance
You are responsible for the safety and protection of your employees and volunteers. If a volunteer sustains an injury or contracts an illness while working for your charity, they can take legal action against you.
Employers liability insurance, a legal compulsion in the UK, covers medicolegal costs and compensation payouts if a claim is filed against your charity by an employee or a volunteer.
Also known as trustee liability insurance, trustee insurance covers the cost of legal defence, settlement or compensation payouts in case a claim is filed against trustees, officers, employees or volunteers for making errors or omissions in the management and administration of a charity.