Insurance for Almshouse Charities

Overview

Almshouse residential spaces serve as sanctuaries, providing a nurturing environment and fostering a sense of community while also promoting individual autonomy and independent living.

Brown & Brown have developed an excellent working relationship with Ecclesiastical. They provide specialist Almshouse insurance and can help you with cover for other businesses in the faith, heritage, charity, education, and real estate insurance sectors. Together, we find bespoke Almshouse insurance to cover every need.

At Brown & Brown, we understand that every Almshouse is different, and that there’s no one policy that will fit everyone. Our friendly, seasoned insurance professionals will take the time to listen and find a solution for you as specialist charity insurance brokers for Almshouses,

If the unexpected should happen, we also have an in-house UK based team for claims who are ready to provide prompt and personal service.

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How We Can Help

Here at Brown & Brown, we understand that every almshouse is different, and that that one policy will not suit everyone. Our specialist Almshouse Insurance team will take the time to find you the most suitable level of Almshouse Insurance Cove for you.

If the unexpected should happen, we also have an in-house team for Almshouse Insurance claims who are ready to provide prompt and personal response, should the need arise.

almshouses De Meulenaere and Sint-Jozef in Bruges, Belgium,

Typically Covered

Buildings & trustees contents insurance
Business interruption insurance
Fidelity guarantee cover
Equipment breakdown insurance (including cover for lifts, boilers, and air conditioning systems)
Legal expenses
Low policy excess (from £100)
Public and employers’ liability insurance
Residents’ temporary accommodation
Risk management survey & rebuild valuation service (for qualifying risks)
Trustee indemnity Insurance

Not Typically Covered

Unoccupied Property
General Wear and Tear

What Are Almshouses?

Almshouses are charitable housing provided to those in need, typically older people or individuals with limited financial means. Many Almshouses are historic and listed buildings. There are around 30,000 Almshouses in the UK, offering a safe and affordable place for individuals to live within a supporting community.

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Almshouse Trustee Insurance and Governance

Almshouse charities and their trustees need to sustain an environment that ensures every penny of a donation is spent with integrity and maximum value will be extracted for the good causes that they serve. Brown & Brown look into some elements that trustees should consider when either setting up or maintaining their governance practices.

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Protecting your Almshouse During Winter

Cold weather can lead to significant damage to your Almshouse and preparing for winter can make a huge difference. Ensuring your Almshouse is properly maintained and regularly inspected, as well as preparing approved temporary heaters in case of emergency, can help keep your Almshouse safe during harsh winter months.

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Protecting Your Unoccupied Almshouse

One of the biggest challenges for an Almshouse owner is protecting their property when it becomes unoccupied. Unoccupied Almshouses are more susceptible to fire damage, water damage, vandalism, theft, squatting or deterioration. If your Almshouse is unoccupied, it is important to consider these risks and take steps to mitigate them.

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Almshouse Insurance: Your Questions Answered

From insurance requirements to eligibility, our charity specialists are answering your frequently asked questions on the subject of Almshouse Insurance.

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Exploring the History of Almshouses

The first Almshouse is commonly thought to be the Hospital of St Oswald in Worcester, founded around 990 AD. In medieval times, Almshouses were called ‘hospitals’ or ‘bed houses’ and were often owned by religious groups whose goal was to care for the poor and elderly.

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