Charity Insurance for Shops & Business

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From ice cream shops to jewelry stores , there are plenty of businesses in this world that specialize in making people happy. Charities certainly fall under this umbrella, allowing underprivileged people to enjoy some of what life has to offer when circumstances have otherwise made that impossible for them. If you run a charity and would like to keep yourself protected, then you may be interested in this guide about insurance for small charities and nonprofit groups.

Charity Public Liability Insurance

There are many kinds of charity insurance policies that you can get from your insurance carrier, and they differ based on exactly what they’ll protect you from. These policies can vary dramatically based on how much you’re paying, but public liability policies are a must. 

These policies are designed to protect you from situations in which your charity has been found to be liable for damages sustained by the party that’s pressing charges against you. 

For example, if someone slips and breaks their hip because you failed to place a wet floor sign after you mopped up at one of your charity venues, then they can make a case that you’re liable for their medical expenses. This is a case where your public liability insurance policy would cover you.

Public liability insurance for charity organisations applies to more than just bodily injury, and it also works when someone has to deal with property damage that they sustained at your place of business. For example, if someone has their car damaged due to the poor structure of your building, they can file a claim against you for property damage.

Charity General Liability Insurance

General liability insurance tends to be more expensive than public liability coverage when it comes to insurance for charities and community groups. Why? General liability insurance doesn’t only protect you from third-party claims but also other risks common in day-to-day business operations. 

Most carriers underwrite optional coverages so that general liability insurance becomes very comprehensive. Such optional coverages are:

  • Products and completed operations

  • Advertising injury

  • Rented premises liability

Does your charity offer services to third parties? If this is the case, consider getting products and completed operations. This one covers claims third-parties file some time after a service has been delivered. 

Your charity might face accusations of libel, slander, copyright infringement, and other forms of reputational harm. The optional policy in general liability insurance that will protect you from these is advertising injury coverage, which helps to pay for defense costs and settlements. 

If your charity rents a space, there’s no doubt that rented premises liability coverage will be extremely useful. Fire, theft, vandalism, and other covered perils might damage or destroy your rented space. The job of rented premises liability coverage is to provide reimbursements or get the rented space repaired if the landlord makes a claim. 

Charity Commercial Property Insurance

If your charity has its own building, commercial property insurance is another type of charity business insurance that’s very useful. 

Fire and extreme weather might destroy your charity’s building.  If your luck isn’t that bad, then theft, vandalism, fire, extreme weather, and other covered perils might only do some damage. Either way, you’ll have to spend money for building reconstruction or repair. The job of commercial property insurance is to give money to minimize losses. 

Does your charity sell items? Does it own specialty equipment? If this is the case, consider getting stocks and contents coverage as well as business equipment and tools coverage. 

Rats, wear and tear, fire, vandals, and thieves might damage the items for sale. Your charity will incur losses as a result. The function of stocks and contents coverage is to reimburse your charity equal to the value of damaged items. 

Stocks and contents coverage doesn’t take care of damaged items considered as business tools and equipment. This is why there’s business tools and equipment coverage. Business tools and equipment coverage reimburses losses if computers, air conditioners, projectors, and other valuable items essential to day-to-day business operations get damaged or lost because of fire,  vandalism, theft, and other covered perils. 

What is a Business Owner’s Policy for Charities?

Business insurance policies are also known as BOPs, and they tend to be a little more comprehensive than a simple liability policy. This is because most BOPs will feature a component that covers you in case of liability, but they will combine this liability coverage with another form of insurance.

The exact kind of coverage that comes bundled with a BOP depends on the carrier that you’re getting it from as well as how much you’re paying for it. A relatively basic BOP will feature commercial property insurance, general liability insurance, and EBL insurance in most cases. 

Professional Indemnity Insurance for Charities

Professional indemnity insurance is also known as professional liability coverage, and this comes into effect when someone alleges that you did your job improperly and comes after you for damages. For example, if you raise funds for someone and the funds got stolen or misused unintentionally.  

If you are found liable for doing your job with negligence, professional indemnity coverage will protect you from any damages that the wronged party comes after you for. This coverage will also apply to any legal expenses that were incurred so that you could defend yourself from that party.

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Charity Cyber Liability Insurance

Your charity will find it easier to inform the public of its advocacies, get donations, and hire volunteers with a website. Consider making one right now. And when your website is up and running, don’t forget to buy cyber liability insurance for charities.

Someone might breach your charity’s website and gain access to the sensitive information users provided - credit cards, phone numbers, address, emails, and more.  Once cyber criminals do something with the information they’ve stolen, users might incur losses. Of course, they’ll file a claim against your charity to get some reimbursement. 

The function of cyber liability insurance is very straightforward - to cover your charity’s defense costs and settlements to aggrieved parties affected by the data breach. Also, it will reimburse what you spent for PR to prevent the situation from getting out of hand. 

Charity Trustee Insurance

Charity trustees are those who are given a large degree of responsibility over the operations of a charity organization, and they need to be insured in case anyone tries to accuse them of wrongdoing. For example, if someone claims that a trustee did something that damages the reputation of the charity.

This kind of coverage protects you from being held liable and having claimants come after you for your assets. This kind of insurance will protect you from more than just people coming after your wealth, however, as it will also cover any costs associated with Charity Commission investigations.

Charity Vehicle Insurance

You need to get commercial auto insurance as coverage for your charity’s vehicle. The vehicle you’re using might cause an accident, get damaged, or experience issues while running. Commercial auto insurance sees to it that you don’t incur costs when these things happen. 

Commercial auto insurance included in charity car insurance or charity van insurance gives the following kinds of protection:

  • Auto liability coverage

  • Physical damage coverage

  • Emergency roadside assistance

  • Medical payments or MedPay

Your charity might cause an accident sooner or later, and you’ll have to shoulder the emergency treatment of injured third parties and damaged property.  The function of auto liability coverage in charity commercial auto insurance is to shoulder costs on your behalf. In practice, this coverage will give money you can use to get injured parties treated or reimburse owners whose property was damaged. In case someone files a lawsuit,  auto liability coverage will also pay for defense costs and settlements. 

Aside from third parties, the driver, as well as the passengers inside your charity’s vehicle, might incur injuries. The problem is auto liability coverage doesn’t cover the emergency treatment of the driver and the passengers. Carriers recognize this problem and offer medical payments coverage. Medical payments coverage pays for the emergency treatment of your charity’s driver and passengers who got injured in a vehicular accident. Coverage applies whether the driver caused the accident or not. 

Physical damage coverage sees to it that your charity’s commercial vehicle is in tip-top shape. There are two types of physical damage coverage - collision and comprehensive. 

Your charity’s vehicle will surely incur some damages in a vehicular accident - broken windows, busted tail lights, dented bumper, and so on. The job of collision physical damage coverage is to cover damages resulting from a collision by paying for parts repair or replacement costs.  Remember one thing though, collision physical damage coverage won’t help if:

  • Your charity’s vehicle got involved in an accident because the driver is driving under influence

  • Your charity’s vehicle got involved in an accident because it was running away from police authorities

  • Your charity’s vehicle got involved in an accident because it was overspeeding and violating other traffic rules and regulations

  • Other activities considered criminal in nature 

Comprehensive physical damage, on the other hand, covers damages not resulting from a collision. This one covers costs if your charity’s vehicle was damaged by:

  • Fire

  • Theft

  • Lightning

  • Vandalism

  • Storm

  • Hail

  • Wind

  • Other covered perils

Issues happen on the trip sometimes. And you’ll need to pay for towing, battery jump start service, gas delivery, or tire repair or replacement service. Of course, you’ll have to spend money on these things. Consider getting emergency roadside assistance because this will reimburse what you spent. Note that not all carriers include this coverage in their commercial auto insurance. 

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Charity Insurance Cost

The cost of charity insurance isn't constant, and it varies based on your charity and what the insurance company knows about it.

Keep in mind that the size of your charity will be one of the main factors that influence the cost of your charity insurance cover.

This is because larger charities tend to deal with more people, and in the eyes of the insurance company, this increases the amount of risk that they have to deal with. The more transactions that a charity organization is involved with, the higher the chance of something going wrong.

If you’re running a smaller charity business rates might not be cheaper. For example, if you just got into the charity industry and you don’t have an established track record that the insurance company can rely on to determine your rates, you may have to deal with a higher initial premium too.

Company Cost per month Cost per year Best for
CoverWallet $27 $324 Charity insurance and charity events insurance quotes comparison online
Thimble $31 $372 Short-term charity insurance
Hiscox $34 $408 Comprehensive charity coverage
Unity $36 $432 On demand charity events insurance
Zurich $44 $528 Large charity organizations

All of these numbers were gathered by using the example of a small to a medium-sized charity that has no history of issues or problems so that these could be as close to reference values as possible. The average cost of insurance is about $38 per month or $456 per year for a $1 million general liability coverage.

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Get all the best quotes from leading providers in a click of a button!

Best Charity Insurance Companies

If you’re looking to get your charity insured, then you’re going to need to take the time to consider which insurance company would work best for you. Instead of leaving the matter up to you, we’ve gone ahead and reviewed the best charity insurance companies. Read to know their pros, cons, and rate for a $1 million general liability coverage. 

CoverWallet Charity Insurance and Charity Event Insurance


  • Compare charity insurance and charity events insurance quotes online

  • Purchase an insurance policy online

  • Allows you to get covered with general liability insurance only

  • Stable rates


  • Doesn’t underwrite its own charity insurance and charity events insurance

CoverWallet covers charities as well as the events sponsored by charities. Charities working with this company pay for their premiums online, get free certificates of insurance, can cancel a policy anytime and can file a claim anywhere.

So what insurance plans does CoverWallet have for your charity? CoverWallet isn’t a pushy carrier. In fact, you can decide to get general liability insurance only. If you think that general liability insurance isn’t enough, then the company offers general liability with directors and officers liability insurance. If you want three insurance policies for comprehensive protection, CoverWallet has general liability insurance with directors and officers liability insurance and commercial property insurance. Say, if you’re not afraid to spend money on a multitude of policies, then this company can cover your charity with a custom plan.

Best for: Charity insurance and charity events insurance quotes comparison online

Average cost: $27 per month

Our rating: 10/10

Thimble Insurance


  • Get insured for only hours, days, weeks, or months

  • No deductible on its general liability insurance for non-profits

  • Cancel a policy anytime at no additional cost


  • Doesn’t have an online quotes comparison platform

Thimble doesn’t have tailored charity insurance. However, it offers general liability coverage to different non-profit organizations such as charities, clubs, volunteer organizations, and so on. Thimble general liability insurance can be endorsed with other insurance products sold such as directors and officers liability, commercial property insurance, commercial auto insurance, and business owner’s policy.

Best for: Short-term charity insurance

Average cost: $31 per month

Our rating: 9/10

Hiscox Charity Insurance


  • Affordable

  • Excellent service

  • Offers trustee coverage


  • Slow to give quotes

Hiscox originally started in the early 1900s, and the company was first a marine insurance underwriter for Lloyd’s of London, one of the largest insurance companies in the world. Since then, Hiscox has become one of the world’s number-one providers of numerous insurance products.

Hiscox offers coverage for charities under the Business Insurance for Charities program. This program includes trustee liability insurance, charity shop insurance, property insurance, and personal accident insurance. The company offers flexible payment options and has been rated one of the best insurers when it comes to service.

Best for: Comprehensive charity coverage

Average cost: $34 per month

Our rating: 8/10

Zurich Charity Insurance


  • Quick to give quotes

  • Accurate and very transparent insurance premiums


  • Has some issues in claims processing

Zurich offers a range of specialized insurance policies for charities, including public liability insurance, employers’ liability insurance, and trustees insurance. The company is known for its relatively painless online quote process, allowing you to get an estimate far quicker than its competitors.

Best for: Large charity organizations

Average cost: $44 per month

Our rating: 7/10

Unity Charity Insurance


  • Versatile insurance options for charities

  • Offers one-time event insurance for charity fundraisers


  • Brokerage not an insurance carrier

Unity is not technically an insurance carrier, but they are a brokerage that specializes in working with community groups and charities. They have worked with The Scouts, exclusive clubs, and charities, and their insurance policies specialize in rendering these community groups the kind of coverage that they need.

Being an insurance brokerage, Unity is able to offer their customers a much wider range of policies than a carrier could on its own. Their insurance policies for charities include building and contents coverage, employers’ liability, trustee indemnity, public liability, and even commercial auto cover.

Best for: On-demand charity events insurance

Aver age cost: $36 per month

Our rating: 6/10

Frequently Asked Questions

How Much General Liability Insurance Do Charities Need?

Charities need to get general liability insurance having $1 million per bodily injury limit and $100,000 per property damage limit to comply with state licensing regulations (if there are any) and contracts.

Do Charities Need Workers Compensation Insurance?

Workers compensation insurance is a policy that covers the treatment and lost income compensation of employees injured or sick because of work. Charities with payrolls need to get workers comp. On the other hand, charities whose workforce is composed of volunteers won’t find workers compensation insurance useful.

Research Costs and Have an Informed Buying Decision

Always look at the pricing of five or more charity insurance companies before deciding to get covered. By doing so, you’ll see which carrier provides the best coverage at a reasonable price. Start your research here. Click the “Get Quotes” button on this page and receive the offers of all carriers that offer small charity insurance.

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