Non-Profit Business Insurance (including CIC and Social Enterprise)

Tailored protection for social enterprises, community interest companies, and not-for-profit organisations.

Not every business exists to make a profit, but every organisation still faces real-world risks. Whether you’re running a community café, a social enterprise, or a local service project, you still rely on people, property, and technology to keep things moving.

At The Yorkshire Broker, we arrange flexible Non-Profit Business Insurance designed to protect organisations that trade for social good. You’ll get the same high-quality protection as a commercial business, with policy options that recognise your unique purpose and structure.

What is Non-Profit Business Insurance?

Non-Profit Business Insurance provides comprehensive cover for organisations that operate commercially but reinvest their profits into community, environmental, or social causes.

It protects your property, people, and reputation against unexpected events such as accidents, damage, theft, or legal claims, giving you the confidence to focus on your mission, not the risks.

This type of cover is suitable for:

Community interest companies (CICs)
Social enterprises
Not-for-profit limited companies
Community-led businesses
Training and employment projects
Recycling and environmental schemes
Health, wellbeing, or outreach organisations

What’s Covered

A Non-Profit Business Insurance policy can be tailored to suit your activities and setup, typically including:

Property & Contents

Protection for your buildings, equipment, and stock against fire, flood, theft, vandalism, and accidental damage. Includes fixtures, fittings, and office contents, with optional cover for portable equipment used off-site.

Employers’ Liability

Legally required if you employ staff or regular volunteers. Covers compensation claims if someone working for you is injured or becomes ill as a result of their duties.

Public & Products Liability

Protects your organisation if a member of the public, visitor, or customer is injured, or their property is damaged, in connection with your work, services, or products.

Professional Indemnity

Covers advice, design, or consultancy work provided by your organisation, including mentoring, education, or training services.

Business Interruption

Covers loss of income or increased operating costs if your premises are damaged and you’re unable to trade or deliver your services.

Cyber & Data Protection

Protection against cyber-attacks, data breaches, and system failures — including forensic investigations, data recovery, and regulatory defence costs.

Money & Donations

Covers loss or theft of cash or donations on your premises or in transit.

Equipment Breakdown

Protection for essential items such as boilers, computers, and production machinery, including repair and replacement costs.

Optional Covers

You can also add:

Directors’ & Officers’ Liability (Trustee Liability)

covers management decisions and protects directors or officers from personal liability.

Personal Accident cover

provides financial support if employees or volunteers are injured while working on your behalf.

Motor Fleet or Commercial Vehicle cover

for community transport or delivery vehicles.

Legal Expenses

for contract disputes, employment issues, or property-related claims.

Fidelity Guarantee

protection against fraud or theft by employees or volunteers.

Why Non-Profit Businesses Need Specialist Cover

Although you’re not operating for profit, you face many of the same risks as commercial businesses, sometimes more, due to reliance on volunteers, grant funding, or donated assets.

Specialist Non-Profit Business Insurance helps ensure:

Your assets and property are protected against damage or theft.

Your team and volunteers are covered for accidents or liability claims.

Your board and decision-makers are protected against personal claims.

Your data and systems are secure against cyber threats.

Your operations can continue smoothly even after an interruption.

Why Choose The Yorkshire Broker?

Independent advice and access to leading specialist insurers
Tailored policies designed around your organisation’s purpose and activities
Clear, friendly service and jargon-free explanations
Support from a local team that understands the non-profit sector
Guidance with claims, renewals, and ongoing protection

We’re proud to support the organisations that give back to their communities — helping you protect what matters most while you make a difference.

Protect Your Non-Profit Business Today

Whether you’re a social enterprise, community company, or purpose-driven organisation, The Yorkshire Broker can help you get the right protection for your people, property, and projects.

Call us today on 01924 929070 to discuss Non-Profit Business Insurance and arrange a tailored policy for your organisation.