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Insurance has traditionally been seen as the safety net that catches charities when something goes wrong. But that relationship is changing.
Published on 2 February, 2026
Today, charities can expect their insurer to step out from behind the claims desk and take a more active role in helping them manage risk. They’re not there for when something happens, but they’re helping long before to stop it from happening.
Insurers are increasingly becoming partners in prevention, helping organisations anticipate and address problems before they arise. So, what added value can brokers be providing charities from insurers?
A role beyond paying claims
As our director of underwriting Mark Plews told Insurance Times, insurers have a growing role to play beyond the policy itself. Yes, insurers are there to pay claims, but that’s only part of the picture. Increasingly, their value lies in helping organisations understand, mitigate and manage risk day to day. The ability to provide real-time advice, sector-specific guidance and practical tools is becoming just as vital as the ability to underwrite risk.
This approach has earned us recognition, including the Insurance Times Award 2024 for Excellence in Risk Management. It’s a reflection of a long-term commitment to helping clients manage and reduce risk, alongside recovery from it.
Value-add risk management benefits
That philosophy is built into our Charities Combined solution, which is designed not only to protect but also to empower charities with up to £2m turnover manage risk with confidence. The flexible, modular cover addresses key exposures, from public and employers’ liability to management, fidelity, cyber, and property risks.
But what sets it apart is the value added around it. Policyholders gain access to a suite of practical resources including the Business Hub and a 24/7 legal helpline, giving them immediate guidance on employment issues, volunteer management or governance challenges.
The combination of protection and proactive support is designed for the realities of small and mid-sized charities. For these organisations, the ability to access expert advice before and incident occurs can make all the difference between disruption and continuity.
Three decades of minimising risk in the third sector
By combining comprehensive cover with human expertise and practical resources, we’re helping organisations manage the pressures of modern charity life with confidence. As the risk landscape grows more complex, the most effective insurers will be those that stand beside their clients as a partner.
A flexible solution for the risks faced by not-for-profits
Charities Combined is a specialist insurance solution built to serve the needs of smaller charities and community groups with up to £2m turnover. Coverage options include cyber and data risks, liabilities, and protection of assets, and it’s available to eTrade on Acturis today.
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