Commercial insurance
Insurance for commercial organisations, small charities, community groups and other charitable organisations.
Insurance for commercial organisations
Charities that are associated with the church and other groups within your community can purchase specialist insurance from Baptist Insurance.
Only pay for the cover you need
We know each organisation is different and has individual requirements, so our policy is flexible, meaning you only choose the cover that applies to your organisation.
Baptist commercial insurance product highlights
Baptist commercial insurance can include the following:
- Public liability - with a limit of £5million, which can be increased upon request.
- Employer’s liability - for liability claims made by employees and volunteers.
- Property - protection for your premises, contents, and stock in the event of fire, explosion, storm, flood, falling trees, vandalism, escape of water, vehicle impact, and theft.
- Property damage plus - cover can also be extended for contents that are taken away from the premises.
- Business interruption - loss of income following an insured event under the Property Damage section of the policy. Cover includes increased cost of working lost due to the failure of public utilities, reinstatement of data, book debts, and computers.
- Legal expenses - legal fees, compensation awards, or appeal costs arising from a wide range of legal disputes. Legal fines cannot be covered by the policy.
- Money and assault - lost or stolen money from the business, anywhere within the geographical limits. Includes you, your employees, and volunteers, suffering an assault during a theft of money.
Other optional covers include equipment breakdown, goods in transit, and personal accident. Please read our Baptist commercial insurance policy wording for full benefits and exclusions of the policy.
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Frequently asked questions
The organiser may be liable for any injuries or damage to property caused by the group's activities. Insurance can cover this cost as well as; valuable equipment and other property against loss or damage, or subscriptions and other money. Just let us know the details when you call.
Employers’ liability for charities covers your legal liability to pay damages and legal costs arising out an injury to an employee, including authorised volunteers, caused during the period of insurance.
Yes, Baptist charity insurance policy will provide cover for your legal liability for accidental loss or damage to property hired by you at which you are carrying on your activities.
Yes, provided you have adequate controls in place to protect funds. Cover can be provided for loss of money or goods belonging to the organisation in the event of an act of fraud or dishonesty by any employee or authorised volunteer.
Documents
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