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Charity Insurance in Singapore

From $19/month. Broad cover from lawsuits, injuries, & more.

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Comprehensive insurance for charities, NGOs, religious organisations, & more.

Whether you run a charity serving the elderly, children, or other disadvantaged groups, you’ll need insurance to protect your organisation. Charity insurance should begin with Association Liability cover, so that your organisation is protected from a wide variety of lawsuits. You’ll also want to cover yourself against staff injuries and Covid-19 infections, and liability to third-parties for injuries.

It’s quick, tailored, and affordable cover with Provide.

What does Charity Insurance cover?

CoverageExplanationImportance for charities
Professional Indemnity InsuranceProtects you from lawsuits related to charity workCritical
Directors and Officers (D&O) Liability InsuranceProtects board directors and company officers (e.g. C-Suite) from lawsuits personally targeting themCritical
Cyber InsuranceProtects you if you suffer a cyber attack. Covers IT restoration costs, data breach liability, PDPA liability, and more.Critical
Commercial Property InsuranceProtects your charity premises against property damage, e.g. fire, explosions, certain types of water damage, etc.Critical if you have a commercial space
Public Liability Insurance

Protects you against liability to third-parties for property damage or injuries.

E.g. accidentally injuring members of the public while doing a food donation drive.

Critical
Work Injury Compensation Insurance (WICA Insurance)Protects your employees if they suffer work-related injuries/sickness.Legally required for all workers who earn <$2,600/month, or for manual workers

How much coverage do I need for my charity?

Professional Indemnity Insurance: Have at least $500,000 to $1 million coverage.

Directors and Officers Liability Insurance: Have at least $500,000 to $1 million coverage.

Cyber Insurance: Have at least $500,000 to $1 million coverage.

Commercial Property Insurance: If you have a commercial space, you’ll need at least $100,000 coverage. The amount of cover you purchase should be enough to cover the combined cost of all the contents of your space. Include costs like renovations, fixtures and fittings, electronic equipment, belongings, etc. 

Public Liability Insurance: Carry at least $500,000 to $1 million coverage. Many landlords will also ask for these cover amounts, if you lease a space.

WICA Insurance: It’s best to insure all your employees. As a baseline, MOM requires employers to insure all manual workers, and all workers who earn $2,600/month or less with WICA Insurance. Manual workers include goods packers, drivers, cleaners, etc. Basically anyone who performs physical work.

How much does Charity Insurance cost?

CoverageCoverage amount (example)Premium
Professional Indemnity Insurance$100,000From $42/month
Cyber Insurance$250,000From $49/month
Commercial Property Insurance$100,000

From $19/month, for a comprehensive Charity Insurance Package deal

 

Public Liability Insurance$500,000
Work Injury Compensation Insurance (WICA Insurance)

$10 million common law annual limit

 

$45,000 medical expenses cover per worker

Why use Provide for Charity Insurance?

  • Save up to 25% on your premiums
  • Compare quotes from multiple insurers
  • Industry experts with 20+ years combined experience to provide tailored advice
  • Available by phone 7 days/week 

Get Charity Insurance from $19/month.
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