Third Sector, Communities & Not-for-Profit Insurance – Expanded Appetite Now Available
Back to News 12 February 2026

Third Sector, Communities & Not-for-Profit Insurance – Expanded Appetite Now Available

We are continually reviewing our products to ensure they remain strong, relevant, and aligned with the evolving needs of the market.

Following a recent review of our Third Sector, Communities & Not-for-Profit Insurance product, we are pleased to confirm an expanded appetite across a wider range of community groups, voluntary organisations and charities — providing brokers with greater flexibility when placing third sector risks.

Greater Flexibility for Brokers

As part of this review, we have introduced a number of enhancements designed to make placement easier and more competitive across the third sector:

  • Lower minimum premiums, helping to support smaller charities, community groups and voluntary organisations
  • Wider underwriting criteria, allowing us to consider a broader range of activities and risk profiles
  • Liability-only cover available, ideal for organisations without property exposures or those seeking a more streamlined insurance solution

All risks are supported by A-rated capacity provided by Hadron or Accelerant, with quotes issued within 2 hours by our experienced underwriting team, and urgent cases always prioritised.

What’s Covered

Our Third Sector Insurance product can provide cover for a broad range of community, voluntary and not-for-profit organisations, including:

  • Adult education centres and establishments
  • Advice and employment training
  • Arts & crafts workshops, studios, and libraries
  • Bingo halls and bowling alleys
  • Boarding houses
  • Cafés, coffee shops, sandwich bars, tea rooms, and kiosks
  • Clinics (excluding medical treatment)
  • Concert halls and venues
  • Conference and exhibition centres
  • Day centres and drop-in centres
  • Environmental, health, laboratory and wellbeing education
  • Food and clothing banks
  • Garden centres
  • Gyms, leisure centres, health centres, swimming pools
  • Historical, literary, cultural, theatre, gallery and humanistic societies
  • Industrial units and workshops
  • Museums
  • Offices, shops and call centres
  • Public houses and wine bars
  • Restaurants
  • Retail and showrooms
  • Social clubs, sports clubs and Working Men’s Clubs
  • Village halls and community centres
  • Wildlife and animal shelters and sanctuaries
  • Youth clubs

If you are unsure whether we can cover your clients’ trade, please get in touch with our underwriting team on 0333 032 5000.

Next Steps

If you have existing third sector clients who may benefit from our expanded appetite, lower minimum premiums or liability-only options — or if you have new enquiries you would like to discuss — our underwriting team is on hand to help at 0333 032 5000 or our online chat.

Find out more >

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