Charity & Not-for-Profit Insurance
Running a charity or a non-profit organisation comes with a unique set of challenges and significant responsibilities. At Howe Maxted, we understand that every penny counts, but we also know that an inadequate insurance policy can put your entire mission at risk.
Our specialists work as an extension of your team, helping you navigate the complex risks facing the third sector today. We ensure your organisation has the right level of protection at a competitive premium, allowing you to focus on your core purpose with total peace of mind.
Comprehensive Cover for Your Mission
We provide access to a range of reputable, A-rated insurers who specialise in the not-for-profit sector. Depending on the nature of your activities, we can arrange bespoke protection including:
Public & Employers’ Liability: Essential cover for staff, volunteers, and the public during day-to-day operations and fundraising.
Trustee Indemnity / D&O: Vital protection for your board against personal liability and allegations of “wrongful acts” in their governance.
Professional Indemnity: Coverage for advice-based services or specialist support you provide to your beneficiaries.
Property & Asset Insurance: Protecting your premises, equipment, and contents against loss or damage.
Fidelity Guarantee: Safeguarding your funds against internal fraud or dishonesty.
Specialist Logistics: Including Charity Event insurance and bespoke Minibus cover.
Business Interruption: Ensuring your charity can survive the financial fallout of a major disruption.
The Value of Independent Advice
In a sector where “no-frills” internet policies are common, Howe Maxted offers a sophisticated alternative for organisations with more substantial or complex assets. As the oil firefighter Red Adair famously said: “If you think a professional is expensive, wait ’til you try an amateur.” Why work with a specialist broker?
Technical Diligence: We scrutinise the “small print” of policies to ensure vital extensions – often removed from standard policies – remain in place to protect your specific risks.
Time-Saving Expertise: We handle the market search on your behalf, providing clear, like-for-like comparisons that respect your time and budget.
Risk Management: We offer expert guidance on fire safety, security, and professional valuations, which can help lower your risk profile and reduce premium rates over time.
Human Connection: We reject the automated “call centre” model. You will have a real person with real expertise who understands your lifestyle and priorities.
Our Commitment to the Third Sector
Our objective is to serve as a diligent advocate for your charity. From the initial design of your insurance programme to the hands-on management of a claim, we ensure you are fully informed and supported. If your specific requirements are not served by the existing open market, we have the capability to assess, design, and manage a tailor-made programme exclusively for you.
To arrange a review of your current insurance or to discuss a new project, please call our specialist team on 020 8309 1717 or contact us.