Insurance Solutions for Care, Charity and Non‑Profit Sectors
Cover that supports care homes, charities and community services
Overview
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How We Can Help
At Brown & Brown, we specialise in developing insurance solutions for care providers, charities and non‑profit organisations. We first conduct a detailed review of your operations – whether that’s residential care, community outreach, fundraising events or volunteer‑led programmes – to understand your unique exposures.
We arrange core covers such as public and employer’s liability, trustees’ indemnity and property insurance. Where relevant, we can include professional indemnity and/or medical malpractice for specialist services, directors’ and officers’ liability, equipment cover and cyber liability. Our knowledgeable teammates advise on safeguarding standards, data protection compliance and regulatory requirements, helping you build robust risk‑management frameworks.
If you run a care home, respite service, hospice or day centre, we help design policies that integrate residential care liability, patient property and abuse cover. For charities, campaigns, sports clubs or community projects, we can include event cancellation, volunteer protection and fundraising equipment insurance.
When incidents occur, from slip‑and‑fall accidents to data breaches or trustee claims, our claims team supports you through the process. We liaise with insurers, guide you through remedial steps and work to achieve swift resolutions – all with as minimal disruption as possible to the vital services you offer.
We believe in forging long‑term partnerships. That means annual reviews as care regulations or charity structures change, ongoing training on insurable risks, and access to sector‑specific guidance and benchmarking. With Brown & Brown as your broker, you gain confidence that your mission remains at the heart of every decision while risk is managed effectively.
Key Components
- Public and employer’s liability
- Trustees’ indemnity
- Professional indemnity and/or medical malpractice
- Directors’ and officers’ liability
- Material damage and business interruption
With an expanding focus on safeguarding, abuse risks, regulatory pressures and reputational risk, a knowledgeable insurance broker can shape cover that aligns with statutory requirements and the ethos of your organisation. This sector-specific approach helps protect vital services which may provide peace of mind to trustees, staff and stakeholders.
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Why Choose Us
Brokers with Sector Insight
Tailored Cover For Vulnerable Roles
Responsive Claims Advocacy
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Your Questions, Answered
Care homes typically require public and employer’s liability, residential care liability and professional indemnity cover. You may also need abuse or safeguarding cover, patient property protection and building and contents insurance. Optional extensions include cyber liability, clinical trials, and equipment breakdown. As brokers we help to find you cover that aligns with CQC standards, safeguarding guidance and funding body requirements – tailored to the type, size and service level of your care facility.
Yes. Trustees have duties and responsibilities which may leave them personally liable for decisions. Trustees’ indemnity insurance protects board members against claims alleging mismanagement, negligence or breach of duty. It is highly beneficial, and sometimes required by funders. We assess your charity’s structure, funding agreements and governance model to enable our experienced teammates to advise on appropriate solutions to help protect those involved.
Yes, volunteer protection can be included via personal accident cover and public liability extensions. This helps to cover volunteers for accidental injury, medical expenses, or incidents while working on your behalf. Without it, volunteers may be personally liable. As brokers, we identify the right combination of volunteer protection and activity cover, matching your programmes and risk profile.
Premiums depend on sector‑specific risks rather than commercial revenue alone. Underwriters consider your charity’s sector, volunteer numbers, event scale, safeguarding measures, location and claims history. Well‑run organisations with strong risk management often qualify for reduced rates. As brokers, we negotiate terms, explain premium drivers, and help demonstrate good governance, to assist insurers when pricing the risk .
Because care organisations look after vulnerable people, there’s always a serious responsibility to prevent and respond to abuse, whether physical, emotional, or financial. Even an allegation can have big consequences for those affected and for the organisation’s reputation. That’s why abuse is treated as a key risk, with safeguarding and the right protection in place to keep people safe and services secure.
Yes – many care businesses are assigned service users through local authority frameworks, each with their own insurance requirements. We can arrange policies that meet these requirements, helping you comply with local authority standards while protecting your organisation and the people you care for.