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1 Your charity
2About you
3Your quote

Quote in less than 2 minutes

Get competitive cover for photographers, in a flash.

Answer a few quick questions about your business and we’ll do the rest. Easy.

Quote in less than 2 minutes

Get competitive, specialist cover the quick and easy way.

Answer a few quick questions about your business and we’ll do the rest.

What does your charity or group do?

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We need to know what you do so we can offer you cover that’s the right fit. Pick the closest thing – or if what you do isn’t listed, please get in touch.

What’s your organisation’s annual income?

We need this to work out what your insurance costs.

?

This is the total amount of money your organisation gets in a year. Include fundraising, grants, sponsorships, membership fees and anything else that contributes to your income.

Go by last year’s figure. If you’re less than a year old, your best guess is fine.

What cover do you need?

Do other people work with or for you?

Include anyone under your supervision such as employees, freelancers and volunteers.

?

So you know, the Health and Safety Executive considers all these 'employees':

  • Unpaid volunteers and interns
  • Work experience students
  • Labour only subcontractors
  • Temps
  • Secondees
  • Apprentices
  • Helpers
  • Staff borrowed from other companies

Note: even if someone is self-employed for tax purposes, they might be classed as an employee for other reasons. For example, if you use freelancers but you dictate where and when they work, and provide their equipment, you could be liable for their welfare. Even though they're not, strictly speaking, employees you might need employers’ liability insurance to cover them.

Including you, in an average year, how many people work with or for your business?

Count full and part-time permanent employees, freelancers, contractors, labour-only subcontractors, temps, volunteers, apprentices, secondees, casual help, work experience kids and staff borrowed from other businesses.

What’s your annual wage bill?

This is the total amount you pay permanent employees, including youyour organisation pays all permanent employees. We need it to work out how much your employers’ liability insurance costs (compulsory for employers). We won’t share your numbers with anyone.

?

Exclude bonuses, dividends and commissions.

If you don't have an annual wage bill, or if you're a new business and you're not sure what it'll be, please put '0'.

If you don’t have permanent employees, or you’re new and you’re not sure what your wage bill will be, put ‘0’.

Do you design and build websites or apps that have to comply with the Payment Card Industry Data Security Standards (PCI/DSS)?

Do you need an ACCA, ICAEW, ICAI or ICAS approved policy?

Membership of these associations usually means your insurance needs an approved policy wording. Answer 'Yes' and we'll make sure yours has.

Is any of your work in relation to pollution or contamination?

Is your business limited to the following activities?

  • Energy assessments for residential properties
  • Energy assessments for commercial properties
  • Ecological consultants

Are you, or any of your principals a chartered surveyor?

Is your business limited to the following activities?

  • Residential estate agency (excluding any property management)
  • Lettings (excluding any property management)
  • Insurance and IFA commissions (introductions to third parties only)
  • Expert witness

Is your business limited to the following activities?

  • Health and safety audits
  • Drafting health and safety policies
  • Fire risk assessments
  • Health and safety training

Do you work outside the UK?

If you sometimes travel to other countries to work, answer ‘Yes’.

Also answer ‘Yes’ if you work under non-UK law contracts – even if you do the work in the UK.

Do you work outside the EU?

If you sometimes travel to non-EU or non-European countries to work, answer ‘Yes’.

Also answer ‘Yes’ if you work under non-EU law contracts – even if you do the work in the EU.

How much of your turnover comes from working in:

United Kingdom
Ireland
Europe (excluding UK and Ireland)
USA & Canada
Rest of the world
Total
0 %
?

Please give us an idea of how much work you do where. Work out roughly what percentage of your annual turnover you generate in each of the geographical areas listed, making sure the total adds up to 100%. If you do all of your work in one geographical area only, make that figure 100% and leave everything else as 0%.

How much of your turnover comes from contracts subject to the laws of:

United Kingdom
Ireland
Europe (excluding UK and Ireland)
USA & Canada
Rest of the world
Total
0 %
?

We need to know which country’s laws the work you do is governed by. Contracts are sometimes written under one country’s laws while the actual work is carried out elsewhere.

Work out roughly what percentage of your annual turnover comes from contracts written under the laws of each of the geographical areas listed. Please make sure the total adds up to 100%. If you do all of your work under the laws of one geographical area only, make that figure 100% and leave everything else as 0%.

What's your largest US or Canadian law contract?

We need the total cost of the whole project, not just the part you worked on.

Do you offer massage, reflexology, or complementary therapies?

Do any of your beauty activities fall outside of the below?

  • Temporary hair removal and bleaching
  • Hair dressing and barbering
  • Makeup and spray on tan applications
  • Nail extensions and treatments
  • Eyelash and eyebrow treatments
  • Facials
  • Facial peels (glycolic under 40% strength)
  • Body wrapping
  • Ear piercing
  • Electrolysis for hair removal and thread vein treatment

Do any of your additional activities fall outside the list below?

All therapists performing these treatments must have an NVQ Level 3 in hair and beauty treatments or equivalent.

  • Microblading
  • Dermaplanning
  • Microdermabrasion
  • Hyperdermabrasion
  • Micro-pigmentation
  • Semi-permanent make up
  • Mesotherapy via microneedling
    (including dermaroller, dermapen and dermastamp)
  • Hydrafacial
  • Electrical facial treatments including CACI
  • LED light therapy (Dermalux)

More about your business

Please tick as many boxes as you need to.

If you’re not sure what to tick, or you can’t see what you do, call 0345 561 0320.

What do you sell?

Please tick as many boxes as you need to.
If you’re not sure what to tick, check here or call 0345 561 0320.

What’s the largest single fee you’ve charged a client in the last 3 years?

What’s the total value of the largest project you’ve worked on in the last 3 years?

We need the total cost of the whole project, not just the part you worked on.

What has been your average contract value in the last three years?

As in the average £ value of the contract to you.

What has been your longest contract in the last three years?

months

What is the value of your largest mailing contract?

This is the total value to your client, rather than the amount they're paying you. The insurer is looking for an idea of worst-case scenario if it all goes wrong and you're liable.

What is the size of your largest mailing contract by number of items mailed?

More about your business

Please say, roughly, how you split your work.

Total
0 %

Do you want your insurance to cover both yours and your placements' negligence?

Do you want your insurance to cover physical damage caused by both you and your placements?

You can be held responsible for errors or damages caused by the people you place. This is called 'vicarious liability'. Clicking 'Yes' means you're protected if a client sues you for something that's not directly your fault.

What is the total annual payroll for staff that you place?

Do you agree to use non-standard contracts?

Among other things, it's likely a non-standard contract asks for you to be responsible for people or activities outside your normal scope. Your best bet is to check the non-standard clauses and call us on 0345 561 0320 if you're not sure.

What percentage of your total fee income relates to non-standard contracts?

What percentage of your total placed payroll relates to non-standard contracts?

Are you or any partner/director a member of RICS?

We need to know so we can give you a policy that’s RICS-approved, as that’s a condition of your membership. RICS membership also requires a minimum level of professional indemnity cover, based on your income.

When did your business start trading?

If your business started trading before 2010, we’ll have to have a quick chat. Please call us on 0345 561 0320

What's the construction value of the largest contract or project you've worked on, or are likely to work on in the next 12 months?

We need the total construction value of your largest project, not just the fee you were paid to work on that project.

Do any of your past, current or planned contracts involve basement works?

Do you sell, supply, make, install, repair or service any products?

In this context, a 'product' is a physical thing (like, say, a chair) rather than something less tangible (like, say, computer software). If you're not sure how to answer, please call 0345 561 0320.

Roughly how much of your annual income is from selling, supplying, making, repairing or servicing products?

What’s your organisation called?

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Tell us the name of your charity or group. You might be a charity (you needn’t be registered to choose this cover), or you might also be another kind of organisation.

What’s your address?

This should be where your charity or group is based.
Or enter address manually
Please enter a postcode
?

This should be your correspondence address or where you usually operate from, rather than your registered address (unless they're the same).

If you need a quote for equipment cover, public or employers' liability, or business interruption insurance, please give us the address where cover should apply (if different).

If you need to split cover between addresses (for example, your premises and a storage facility) or you have more than one base, please call us on 0345 222 5399.

Sorry, but we can only cover UK-based organisations.

What’s your name?

What’s your phone number?

We won’t pass on or sell your number to anyone and we only call if we have to.

?

Your home, business or mobile number is fine. Please remember we need the dialling code too.

Generally, we don't call our customers unless there's a problem with their policy.

Just so you know, we're not interested in selling or passing on your phone number to third parties (except where the law says we have to).

What’s your email address?

For sending your quote. We don’t share or spam.

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Where possible, we do everything by email. We'll send your quote – and your policy documents if you decide to buy – to the email address you give us.

We'll also send you risk tips and useful (we hope) information every now and then. It goes without saying you can opt out of these emails at any point.

And finally, did a PolicyBee customer give you our details?

Please tell us who

We need their name or their business name. You both get £20 if you buy your insurance from us – we call it Pass It On.

Do you do anything else?

As well as "Friends of group", feel free to add up to four more things your organisation does.

Does your organisation have assets, travel or undertake any activities outside of the UK?

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If you answered 'yes', we may still be able to help, but we'll need to have a chat first. Please call us on 0345 222 5399.

Do you have over £25,000 worth of tangible assets? (e.g. cash, property, land, machinery etc)

Tangible assets have a physical form. Intangible assets like patents and copyrights don’t. The more tangible assets your organisation has, the more personal liability your trustees have. And the more insurers like to know about it.

What is the total value of your tangible assets?

Add up the combined worth of all your organisation’s tangible assets and give us a rough figure. It doesn’t need to be exact.

Do you require cover for claims relating to abuse?

Answer ‘Yes’ if your organisation has contact with vulnerable people.

Is your organisation registered in the UK or, if unregistered, based in the UK?

?
If you answered 'no', we may still be able to help, but we'll need to have a chat first. Please call us on 0345 222 5399.

Does your organisation own, manage or administrate any of the following?

  • A shop or warehouse
  • A drop-in centre
  • A care home
  • A hospice
  • A children's nursery
  • An animal shelter or rescue
  • A residential drug or alcohol facility
  • A facility supporting homelessness, refugees or asylum seekers
  • A swimming pool, sports centre or arena
  • A place of worship
?

If your organisation simply fundraises for one of the facilities listed, or signposts people to them, please carry on by answering 'No'.

But if you act as a service provider for any of these facilities, we'll need to have a chat. Please call us on 0345 561 0320 and we'll see if we can still cover you.

Does your organisation engage in any of the following?

  • Environmental or governmental campaigning or lobbying
  • International or overseas aid
  • Regulation or certification
  • Accountancy, financial or legal advice
?

By 'regulation or certification', we mean certifying people's qualifications or acting as a regulator.

Does your organisation provide services related to any of the following?

  • Human rights or the prevention of cruelty or abuse
  • Mental or sexual health
  • Medical or surgical research, care, advice, diagnosis or treatment
  • Homelessness, refugees or asylum seekers
?

If your organisation simply fundraises for one of the services listed, or signposts people to them, please carry on.

But if you provide actual services in any of these interest areas, we'll need to have a chat. Please call us on 0345 561 0320 and we'll see if we can still cover you.

Please note that bodily or personal injuries arising out of any treatment or care provided by you are not covered.

How many people work with you or help you out?

Full-time employees
Part-time employees
Trustees
Volunteers
?

Include everyone who helps out in the course of a year and divide them into:

  • paid full-time or part-time employees
  • unpaid trustees and volunteers

The Health and Safety Executive considers all the following to be employees in terms of their welfare:

  • Apprentices
  • Freelancers, if you provide their equipment and dictate when and where they work
  • Interns
  • Labour-only subcontractors
  • Secondees
  • Staff borrowed from other companies
  • Temps
  • Trustees and directors
  • Volunteers
  • Work experience students

Is your main role to process and handle financial services complaints?

Are you involved in construction project management?

Are you involved in construction health & safety?

Do you need to cover any architectural design work?

Thanks, . Let's get your quote

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PolicyBee LLP is an insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA) under firm reference no. 537595. You may check this on the FCA's register by visiting the FCA's website www.fca.org.uk or by contacting the FCA on 0300 500 0597.

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