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Charities and community groups

Comprehensive insurance cover designed for the unique challenges faced by charities and community groups.

With over 30 years of experience supporting care policyholders, Markel UK is one of the UK’s leading insurers within the care sector. So, we understand this diverse sector has a broad range of insurance requirements. Our solutions are designed to meet the needs of smaller organisations including counselling, advocacy and support groups, as well as larger charity risks.

Dedicated organisations need a dedicated insurance solution to match

Markel UK offers a wide variety of coverages for charitable organisations.

Our insurance can be tailored for organisations such as:

  • Advocacy and support groups
  • Counselling
  • Nurseries
  • Playgroups and after school clubs
  • Community, social and neighbourhood groups
  • Youth centres
  • Children’s clubs
  • Charitable institutions

We understand the sector-specific risks faced by those in the industry. Using this experience, we’ve specifically designed our insurance solutions to protect against the unique risks that care organisations face.

The coverage available can be customised to suit your organisation's specific needs, which generally fall into the three areas of risk below:

Responsibilities to third parties

Public and products liability, Professional liability, Management liability, Entity defence

Protection of assets

Fidelity, Cyber risks, Legal expenses, Property, Business interruption

Responsibility as an employer

Employers liability, Employment law protection, Employees personal accident

Key products and services sold on a standalone basis to this industry:

Legal expenses insurance

LEI that’s delivered by trusted legal experts. In addition to our advice services, our in-house law firm provides specialist expertise when the unexpected happens.

Markel Care Practitioners

Bespoke care practitioner consultancy supporting on a range of regulatory, risk and commercial matters.

Broker e-Trade

Available on our e-trading platform, we can offer sector-specific cover with the flexibility to choose separate sections to suit individual budgets and requirements.

Cyber

Cyber risks cover designed to protect against both liabilities and the policyholder’s own losses, including legal, IT security and regulatory costs.

Markel Care

Commercial combined policy designed to support care organisations so they can focus on what really matters.

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Does your existing insurer provide market-leading solutions for UK SMEs?

POLICYHOLDERS

Speak to your broker or find one here.

BROKERS

Speak to your local Markel UK representative.

Additional services*

Clients also have access to additional services to help policyholders navigate everyday challenges. Depending on your coverage, you can opt in or add services you need for an additional cost.
Explore all services

Markel Practice Consultancy

Bespoke care practitioner consultancy on a range of regulatory, risk and commercial matters.

Markel Practice Consultancy

Business and legal helpline

Markel’s in-house team of lawyers offers advice on everyday legal and employment matters such as GDPR and disclosure, contractual queries and employment disciplinary.

Business and legal helpline

Business Hub

Access 850+ documents, contracts, templates and videos to support you.

Business Hub

*Please refer to your policy for exact services included. Learn more.

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Broker eTrade

We remain committed to serving our brokers with exceptional service in the way they want to be serviced, and we know a quick decision is vital.

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Case studies

  • Allegation of constructive dismissal

    A community support worker claimed constructive dismissal because the charity allegedly failed to deal with his concerns about his working arrangements, which he says made it impossible for him to continue working.

    One of his claims was that he had not received training on working with paranoid schizophrenics. The "last straw" came when his requests for training were allegedly ignored following a violent incident with a service user. After sensitive discussions Markel settled the claim.

  • Underperformance leads to compromise agreement

    A Christian relief, development and advocacy organisation employed a marketing director until his dismissal.

    The chief executive had concerns in relation to the claimant's performance and he was particularly concerned about the claimant's management style. During this period, a number of staff who reported to the claimant expressed concerns about his lack of leadership. As a result the charity considered that the correct approach would be to pursue the matter through their capability procedure.

    Meetings with the marketing director were complicated by him being signed off by his GP until the end of his employment.

    The outcome was that the claimant was dismissed on grounds of insufficient capability. Markel UK settled by way of a compromise agreement.

Insights and resources

  • Find out more

    Access proposal forms to request a quote or view technical documents related to our products or services.

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  • Services

    From our 24/7 business and legal helpline, to our R&D tax relief consultancy, our customers have access to our legal and tax services, providing a complete solution for their wider business needs and goals.

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  • Our claims service

    We aim to settle claims as efficiently as possible so our policyholders can get on with their lives.

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  • Risks facing the care sector

    Our latest insight report identifies six key issues keeping care organisations up at night, but also six strategies that could change the perception of health and social care.

    Read now