Insurance clarity for charities and third sector organisations.
Insurance that protects your mission, not just your assets
Specialist insurance for charities, social enterprises, and third-sector organisations — from small community groups to national charities and CICs.
One safeguarding issue, trustee decision, funding dispute, or data breach can put your organisation under scrutiny overnight. Talbot Jones protects charities and third-sector organisations so you can focus on delivery, not damage control. Our brokers work closely with trustees, executives, and operational teams navigating volunteers, vulnerable beneficiaries, grant conditions, and regulatory accountability — without wasting precious time or budget.
We Understand Charity & Third-Sector Challenges
You operate under scrutiny, not just risk. We help charities and third-sector organisations balance delivery with accountability — protecting people, funding, and reputation while keeping trustees, regulators, and funders confident.
Governance & trustee exposure
Personal liability for trustees, strategic decisions under pressure, and heightened expectations around oversight and duty of care.
Funding, grants & scrutiny
Conditional funding, grant compliance, reporting obligations, and the risk of disputes or clawbacks.
Safeguarding & vulnerable people
Higher-risk activities involving children, vulnerable adults, or sensitive services where one incident can cause serious harm and reputational damage.
Data & confidentiality
Sensitive personal data, case records, donor information, and UK GDPR exposure with limited internal IT resources.
Volunteers & mixed workforces
Blended teams of employees, volunteers, and contractors creating grey areas around responsibility, training, and liability.
Public trust & reputation
Media attention, public perception, and the risk of complaints or allegations escalating faster than a commercial claim.
Tailored Insurance Solutions
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Professional Indemnity
Advice, services, and decisions can all be challenged — especially where beneficiaries, funders, or partners suffer alleged loss. Professional Indemnity covers claims of negligence, breach of duty, or failure to deliver services as expected.
Example: A charity is accused of poor advice resulting in harm to a service user, leading to legal action and compensation claims.
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Cyber & Data Protection
Charities hold sensitive beneficiary, donor, and staff data, often with limited in-house IT support. Cyber cover supports incident response, forensics, legal advice, ICO defence, notification, PR, and business interruption following a breach or attack.
Example: A phishing attack compromises beneficiary records; the policy funds investigation, regulatory response, and communication with affected individuals.
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Public & Employers’ Liability
Day-to-day activities involving staff, volunteers, service users, or the public carry inherent risk. Liability cover protects against injury, property damage, or allegations of negligence arising from your operations.
Example: A volunteer accidentally injures a member of the public during a community event, resulting in a compensation claim.
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Trustee Indemnity / Directors & Officers (D&O)
Trustees and senior leaders can be held personally liable for decisions, governance failures, or regulatory breaches. Trustee Indemnity (D&O) protects individuals and the organisation from legal defence costs and awards.
Example: A funder challenges how grant money was allocated, naming trustees in formal proceedings.
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Abuse & Molestation
Where organisations work with children or vulnerable adults, specialist cover is essential. Abuse cover responds to allegations — proven or otherwise — and supports legal defence and reputational management.
Example: An allegation is made against a volunteer; the policy supports investigation, legal costs, and crisis response.
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Property, Equipment & Business Interruption
Offices, community spaces, laptops, and specialist equipment are critical to delivery. Property and business interruption cover protects against loss or damage — and the financial impact of disruption following insured events.
Example: A flood forces temporary closure of a community centre; cover funds repairs and supports ongoing operational costs.
Why Choose Talbot Jones Ltd for Third Sector Insurance
Confidence with funders and regulators
We align your cover to funder expectations, regulatory duties, and governance standards — so you can withstand scrutiny from grant bodies, auditors, and commissioners.
Trustee-ready risk clarity
Clear mapping of insurance to real exposures such as safeguarding, governance decisions, data protection, and volunteer activity — giving trustees confidence they are properly protected.
Protection that keeps services running
Rapid claims response and broker advocacy to minimise disruption to delivery, protect beneficiaries, and reduce reputational fallout when incidents occur.
No wasted budget
Right-sized limits and deductibles, no unnecessary add-ons. We remove overlaps and negotiate with specialist charity insurers to make limited funds work harder.
Sector fluency
We are brokers who understand trusteeship, safeguarding frameworks, grant funding conditions, volunteer-led delivery, and the realities of operating under public trust.
“My initial contact with Talbot Jones Ltd was via Twitter - and they were very quick to respond to my request for help sorting out Public Liability Insurance for a Community Project that I was working with.
We "didn't know what we didn't know" about what sort of insurance cover we needed, so when Richard called me to talk through our requirements, it was done very professionally - no hard sell; he asked questions to find out the activites that we anticipated we would be doing and suggested a solution.
Money being tight on the Project, we obviously shopped around - but his quote was competitive - so we decided to go with him, and I am very pleased that we did.
He was very efficient at getting the policy documents to us. I would hightly recommend Talbot Jones Risk Solutions.
And on top of all of that - Richard was a really nice person to deal with!”
Alison Spedding, North Shields Heritology Project
