Not-for-Profit Insurance
Our not-for-profit insurance brokers help Australian charities and community organisations find suitable cover for their unique needs.
Cover that supports your cause
Not-for-profit organisations play an important role in supporting Australian communities, but operating with limited funding can make unexpected costs particularly difficult to manage. The right insurance can help protect your organisation, its people, assets and activities when something goes wrong.
At Ian Jones Insurance Brokers, we understand the specific challenges faced by charities, community groups and other not-for-profit organisations. With more than 35 years of insurance experience, we can help you identify the risks your organisation faces and arrange cover that suits your operations and budget.
Our team understands that every organisation is different. Whether you rely on volunteers, operate community facilities, provide services to vulnerable people or run fundraising and community events, we can help you review your insurance needs and find the appropriate protection.
The right protection for your organisation
Public liability insurance can protect your organisation against claims arising from injury to members of the public or damage to their property in connection with your activities. This can be particularly important if you operate premises, provide community services or regularly work with the public.
Volunteers are also central to many charities and community groups. We can help ensure your insurance reflects the activities they undertake, including working with the public, driving vehicles, using equipment or participating in events.
Management liability can also protect Directors, Officers and committee members against certain claims arising from their responsibilities and decisions.
Property, events and fundraising cover
If you own or lease premises, equipment, furniture, stock or other assets, suitable cover can help protect them against risks such as fire, theft, storm and accidental damage.
Fundraising activities, community events and public gatherings can also introduce additional risks. We can help you consider the needs of one-off events or regular activities, including venues, participants, volunteers and equipment.
Health, medical and specialist cover
Some community service organisations have additional insurance needs based on the services they provide. If you deliver health, medical or community care services, your insurance requirements may differ from those of other not-for-profits.
Our brokers can help assess your activities and determine whether health or medical insurance, or other specialised cover may be appropriate.
Workers compensation
If your organisation employs staff, Workers Compensation insurance is compulsory for not-for-profit organisations in Australia. Requirements can vary between states and territories, so it is important to ensure your organisation meets its obligations and has the appropriate cover in place.
Why choose Ian Jones Insurance Brokers?
We understand that not-for-profit organisations need to make every dollar count. Insurance should provide meaningful protection without placing unnecessary pressure on an already limited budget.
At Ian Jones Insurance Brokers, we have experience working with the not-for-profit and community sector and understand the importance of finding appropriate cover at a competitive premium.
Our approach is to understand how your organisation operates before recommending insurance. This allows us to consider the activities you undertake, the people involved, your assets and the risks that could affect your organisation.
Experienced insurance advice
With more than 35 years in the insurance industry, our team can help you navigate the options available and identify potential gaps in your existing cover.
Cover suited to your organisation
Every charity and community organisation is different. We take the time to understand your organisation and its activities, so your insurance is suited to your specific needs rather than a standard commercial policy.
Competitive premiums
We understand that funding can be limited and that reducing unnecessary costs is important. We can help you compare suitable options and find a balance between the level of protection you need and the premium you can afford.
Support when you need it
Insurance is about more than arranging a policy. We can provide ongoing guidance and help you understand your cover, policy requirements and claims process.
FAQs
Not-for-profit insurance refers to a range of insurance policies designed to protect charities, community organisations, associations and other not-for-profit groups against the risks associated with their operations.
Depending on the organisation, cover may include public liability, property, management liability, volunteer-related risks, professional liability, motor and other forms of business insurance.
There is no single policy that covers every not-for-profit organisation. Depending on your circumstances, insurance may provide protection for:
- Public liability claims
- Property and contents
- Theft and malicious damage
- Management and governance risks
- Professional services
- Volunteer-related activities
- Motor vehicles
- Fundraising and community events
- Business interruption
- Cyber risks
- Employment-related claims..
The cover available, exclusions, limits and conditions will depend on the policies selected and the insurer’s policy wording.
Many not-for-profit organisations should consider public liability insurance if they may interact regularly with members of the public, volunteers, participants, clients or visitors.
A claim arising from an injury or property damage can create significant costs for an organisation with limited financial resources. The appropriate level of cover will depend on the organisation’s activities and risk exposure.
Volunteers can be exposed to risks while carrying out activities on behalf of a not-for-profit organisation. The insurance protection available to volunteers will depend on the organisation’s policies and the circumstances of a claim.
It is important not to assume that volunteers are automatically covered under every insurance policy. We can help you understand where your existing policies provide protection and whether additional cover should be considered.
The cost of insurance depends on factors such as the organisation’s activities, annual revenue, number of employees and volunteers, premises, assets, services provided, claims history and level of cover required.
There is no standard premium for a not-for-profit organisation because the risks can vary significantly between organisations.
Our brokers can help you compare suitable options and identify cover that provides appropriate protection without unnecessarily increasing your insurance costs.
Yes. Annual reviews of insurance policies are advisable for not-for-profits, particularly when your organisation’s activities, employees, volunteers, premises or financial circumstances change. Reviewing your existing insurance can be a useful way to identify potential gaps, duplicated cover or policies that no longer reflect how your organisation operates.
We can help you review your current arrangements, discuss changes to your organisation and help determine whether your existing cover remains appropriate.
What our clients say
Protect your organisation with the right insurance
Not-for-profit organisations face many of the same risks as businesses, but the financial impact of an unexpected claim can be particularly significant when resources are limited.
Our experienced insurance brokers can help you understand your risks, review your existing arrangements and find suitable not-for-profit insurance for your organisation.