Community Group and Charity Insurance for Office Based Groups

This cover is written for charities and community groups that work from an office. It is not for halls, venues, sports facilities or public events. We have partnered with Lukango on a business insurance product for office based groups in Great Britain, subject to the Policy Schedule, terms, conditions, exclusions and limits.
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Community Group Cover Explained

  • The accepted trade is a charity or community group working from an office in Great Britain.

  • Office only. Halls, venues, sports facilities and public events are not covered by this product.

  • Only the sections shown as selected in your Policy Schedule apply, subject to terms and limits.

  • Trustee liability, employers' liability and volunteer cover are not among the sections listed here.

Insurance for Community Groups: What Cover Can Include

The Lukango business insurance product can include property damage, public and products liability, business interruption following insured damage, money and assault and goods in transit. For an office based group that usually means the premises and their contents, the computers and equipment you work from, liability to people visiting the office, the money you handle and the disruption if the office cannot be used. Each section is subject to eligibility, terms, conditions, exclusions, excesses and limits.

Office
Contents
Equipment
Visitors
Money

Property damage

May cover insured damage to buildings, contents and equipment at the named office premises.

Public and products liability

Can help with certain legal liabilities for injury or damage to visitors at the office.

Business interruption

May cover loss following insured damage that stops the office being used.

Money and assault

Can include theft, attempted theft or robbery of business money, plus defined assault benefits.

Goods in transit

May cover eligible goods while in transit within Great Britain, including loading and unloading.

Property extensions

May include fixed glass, signage or replacement locks, within the limits in the wording.

Choosing the Right Community Group Insurance Cover

Before buying community group insurance, the first question is whether the group is eligible at all, because this product is written for office based organisations only. After that, compare the cover with what the group actually holds and does: the office contents and equipment, who visits, how donations and subscriptions are handled and annual turnover. Read the IPID, the Policy Schedule and the full policy wording, paying attention to exclusions, excesses, limits and conditions.

Office only

An eligibility condition, not a preference

If your group runs a hall, a venue, sports facilities or public events, this is not the right product and no amount of comparing will change that. Better to find out here.

What is not included

Trustee, employers' and volunteer cover

Trustees' liability, employers' liability and volunteer cover are not among the sections listed on this page. Community groups commonly need those, so check your position separately.

Money coming in

Donations, subscriptions and grants

The money section covers business money within defined limits and includes assault benefits. Consider how cash reaches the office, where it is held and how often it is banked.

People through the door

Members, visitors and contractors

Public liability relates to injury or damage to third parties at your premises. For an office based group that means whoever attends the office, not the public at an event.

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Desks, filing cabinet, archive boxes and a noticeboard of photographs in a small charity office

Charity Insurance: Office Premises, Contents and Liability

Charity insurance for an office based group brings several practical risks into one policy framework, within a defined boundary. For this product, property damage can include buildings, contents and equipment at the premises named in your Schedule, where the section is selected and the loss is caused by an insured peril. Public liability relates to third parties at that office. What the product does not reach is activity away from it: halls, venues, sports facilities and public events all sit outside. The Policy Schedule confirms which sections apply, the sums insured, excesses and sub-limits.

Hands folding leaflets and filling envelopes for a mailing on a charity office table

Why Find Not For Profit Insurance Through Insureworks?

Insureworks is here to make finding insurance simple and transparent, and for a not for profit that includes being direct about who a product does not suit. This is office based cover. It carries no trustees’ liability, no employers’ liability and no treatment or malpractice liability, and many community groups need at least one of those arranged elsewhere. This page is information only and is not personal advice. Insureworks is not the insurer and does not underwrite or pay claims. Read the IPID, Schedule and wording first.

How Community Group Cover Works

  • Check eligibility first: this product is for office based charities and community groups, not halls, venues or events.
  • Review the IPID, Policy Schedule and policy wording to understand the selected cover, its limits, excesses, conditions and exclusions.
  • Provide complete and accurate information when arranging, renewing or changing the policy, including your activities and any material changes.
  • Notify a claim as soon as possible, provide requested evidence and report theft, malicious damage or criminal acts to the police.

Community Group Insurance FAQs

Four questions we are asked most often about insuring a community group.

No. This product is written for charities and community groups operating from an office, and the accepted occupancy is office only. A hall, a venue, sports facilities or public events fall outside it, and that is an eligibility condition rather than something that can be added. A group running premises like that needs cover arranged elsewhere.

No. The sections set out on this page are property damage, public and products liability, business interruption, money and assault, goods in transit and property extensions. Trustees’ or directors’ liability is not among them. Many charities carry it, so if your trustees expect that protection it needs arranging separately.

Employers’ liability and volunteer cover are not among the sections listed on this page. Public liability relates to injury or damage to third parties at your premises, which is a different thing. If your group relies on volunteers it is worth checking your own position separately, because that exposure is not addressed here.

The money and assault section can include theft, attempted theft or robbery of business money, together with defined assault benefits, where the section is shown as selected in your Policy Schedule. Limits differ depending on where money is held and how, and security conditions in the wording have to be met.

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