Q Underwriting unveils useful new features of its Charity Combined Product


Authored by Q Underwriting

We have recently made significant upgrades to our Charity Combined and Executive Risks policies.

As many charities and not-for-profit groups look to resume activities and services in 2022, we would like to highlight some of the ways these groups can benefit from our policies - either at no extra cost or as a great value addition to their existing cover.

New key features include:

New section: Business Travel insurance – The pandemic halted travel plans for many businesses and charities who deliver services overseas. Many may be looking to go abroad again in 2022. The cover is available for employees or volunteers travelling within or outside the UK. 

Benefits include cancellation and curtailment, travel delay, personal liability, personal belongings, and hijack, kidnap and ransom.

New cover extensions: Event Cancellation – Ideal for organisations running community events, parades, fundraisers, or local festivals. This cover can be purchased as an extension to normal Business Interruption and is designed for expenses lost or incurred following the cancellation, relocation or postponement of any planned special event in the UK for causes outside of the Insured’s control such as adverse weather.

Eco-Friendly Buildings cover – In a time when all businesses are assessing their environmental credentials, our standard cover now provides up to £50,000 of extra costs to make the building stronger or more environmentally friendly following damage. We also include cover for up to £25,000 of costs to properly dispose of waste computer equipment post loss.

New higher limits: Material Damage and Business Interruption – Many automatic extensions now have increased limits. These include Contract Works increasing from £100,000 to £250,000 and Business Interruption Unspecified Customers and Suppliers increasing from £5,000 to £100,000.

New flexibility: Group Personal Accident – now provides options for higher capital limits up to £50,000 as well as multiples of salaries.

Executive Risks – Wording tailored to the charity and not-for-profit sector so groups get the cover they need at the right price. We offer a full suite of products that can be purchased as part of a commercial combined quote or as stand-alone covers and now with the option for different indemnity limits for each section:

  • Trustee Indemnity – whether loss is sustained by individual officers, trustees, directors or the entity itself. Includes new extensions of cover for crisis management, civil fines and penalties
  • Professional Indemnity – especially designed for non-regulated services and advice
  • Fidelity Guarantee – now available with a full Crime cover options
  • Employment Practices – cover must be bought along with Trustee Indemnity


About Q Underwriting

Specialist MGA providing quality products for niche commercial markets

Q Underwriting is a specialist underwriter, providing over 25 niche commercial lines products – all backed by A rated insurers. Our specialisms include construction, tradesmen and liability; charities, faith and recruitment; public and private hire, fleet and motor trade; and non-standard property. All our products are underwritten in-house by our experienced team.

Q Underwriting is a robust and reliable partner for brokers and insurers; we’re backed by The Carlyle Group, one of the world’s largest private equity firms. We write £95m of premium under delegated underwriting authority from several A rated insurers and our team of over 135 people support a nationwide network of brokers.

We are focused on providing excellent service and supporting brokers’ growth. In trading terms, we offer the best of both worlds: brokers have direct access to our experienced underwriters as well as a quick and easy to use broker portal – Qtrade – which houses all the products available from Q Underwriting in one place.


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