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Even the most meticulously planned charity fundraising events can face unpredictable or unavoidable problems, from freak storms forcing cancellations to unintentional injuries of guests attracting claims.
Published on 2 February, 2026
So, it’s always prudent to support charity clients with some form of insurance to cover any issues that may arise.
1. Public Liability Insurance
This form of insurance protects a charity against any injury caused to a member of the public because of negligence on the organisation’s part. An example of this could be a member of the public tripping over an obstacle at an event.
It also covers damage made to third-party property. Many charity fundraising events are held in public spaces such as village halls, community centres, or rented properties, and it’s very easy to accidentally damage the floors or walls when setting up and running an event.
Seemingly minor damage can cost a surprising amount to repair, so it’s best to help them be protected.
2. Employers' liability insurance
This insurance is a legal requirement if a charity has contracted employees. It can sometimes, depending on the policy in place, also cover any volunteers for the organisation – brokers should always double-check whether this is the case or not. Public liability does not normally cover volunteers, so investment in a suitable policy is very important.
3. Business equipment insurance
As well as protecting a charity against outside claims, providing cover for an organisation’s equipment and assets is also recommended.
Electrical equipment such as laptops, microphones and speakers, for example, can cost thousands of pounds to replace. Business equipment cover can protect a charity against paying out for expensive repairs or replacements.
4. Event cancellation insurance
This type of cover can safeguard your charity client if its fundraising event is postponed or cancelled for reasons outside its control, such as weather, illness, or the non-appearance of a speaker or celebrity guest.
Do you know the new duties for keeping charity events safe? Read our Martyn’s Law briefing
A flexible solution for the risks faced by not-for-profits
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