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Policy overview
Multi Cover Third Sector Secure
Third sector organisations face a lot of the same challenges and risks as other businesses, but with the added pressure of undertaking voluntary work.
To take some of the pressure off, our third sector team can help you develop policies that don’t just meet the needs of the voluntary organisations you work with, but aim to exceed them with tailored coverage.
The policy includes
- Book debts
- Business (all risks)
- Business interruption
- Charity trustees
- Deterioration of stock
- Employee dishonesty
- Employers’ liability
- Goods in transit
- Management liability
- Material damage
- Money and assault
- Personal accident
- Professional liability
- Public and products liability
- Terrorism
- Travel
What we cover
- Activity or adventure centres and playgrounds
- Advice and employment training
- Arts and crafts workshops, studios and libraries
- Cafes, coffee shops, sandwich bars and tea rooms
- Civil, human and ethnic rights (other than office-based training or translation services)
- Concert hall venues
- Conference and exhibition centres
- Day centres and drop-in centres
- Drug and alcohol support services
- Education centres, education establishments and schools
- Environmental, health and well-being education
- Farm buildings and zoos
- Food and clothing banks
- Garden centres
- Gyms, leisure centres, health centres, health clubs
- Historical, literary, cultural and humanistic societies
- Holiday camps and summer schools
- Museums, galleries and theatres
- Nurseries, playschools, play groups and out-of-school clubs
- Offices, shops and call centres
- Outreach and lone work
- Physical health treatment
- Rehabilitation and halfway houses
- Religious buildings and religious retreats
- Social care (registered)
- Social clubs, working men’s clubs, pubs and restaurants
- Sports clubs and grounds
- Storage and warehouses
- Village halls and community centres
- Wildlife and animal shelters or sanctuaries
What we normally decline
- Any risk where there has been history of violence or attacks on staff
- Charitable homes and drug, alcohol or mental health rehabilitation or care
- Home visit support services involving unknown client types and behaviours
- Local authority and NHS-run establishments
- Long term rehabilitation and support (including accommodation)
- Prisons or asylums
- Rescue groups which support the emergency services
- Secure units
- Shelters, refuges and hostels (including accommodation) for drug and alcohol rehabilitation
- Social housing for prior drug and alcohol abusers
- Trust status schools