Charity Insurance

Coverage that just keeps giving

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Why as a charity do you need insurance?

We understand that charities and nonprofit organisations play an important role in the lives of many, and as Channel Islanders we are generous in not only our financial support but within our time spent as volunteers too. We appreciate that the main focus of the charity is fundraising to support your cause, therefore your insurance needs to come at a reasonable cost, which is why we offer tailored insurance policies that can cover your charity’s needs.

We do also appreciate that an incident, even on the lower end of the scale, could seriously impact the charity, the people involved and the future of the charity itself. Our professional team here at Islands would be delighted to assist you in placing a policy that protects the long term future of the charity.  

Covers & benefits provided

Islands Insurance has a long history of supporting charities with bespoke insurance provided to meet your needs, including:

Charity Trustee Liability

Whether you are a trustee, director, officer or committee member of a charity you can be held personally responsible for making decisions on the charity’s behalf. Ensure you have the appropriate cover in place for your role.

Public Liability

Whether it’s a slip or trip at your charity’s premises, or damage to property whilst you’re hosting or attending a fundraising event, you may be held liable. Ensure your legal fees and compensation costs are covered.

Employers Liability

Even with the detailed consideration to Health & Safety, accidents will happen. As a charity, you may have full-time staff members but also more than likely a number of volunteers. Ensure they are also covered whilst undertaking roles for the charity.

Cyber Liability

Most charities are likely to hold personal data obtained throughout their fundraising efforts. If you’re not careful, and this data finds its way into the public domain, you could be at risk for a severe data breach which could seriously harm the charity and its philanthropic efforts.

Buildings / Contents

You may own your own premises, computers, contents and even stock, depending on the size and nature of the charity. These are likely to be at significant cost to the charity, so it’s important to make sure your outlay is adequately insured and covers buildings you operate or own and the property within.

Standard Coverage

Your policy will generally cover you for a number of insured events, such as:

  • Fire
  • Lightning
  • Explosion
  • Earthquake
  • Flood
  • Storm
  • Malicious Damage
  • Theft
  • Accidental Damage

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.

In-House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Request a callback

warning Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.
Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney