Community Groups Insurance

Support for your business with community groups insurance for UK collectives.

A photograph of a child and carer planting in a community care setting.

Specialist risk management solutions and community insurance for groups

As the longest serving insurance broker in your sector, you can trust us to deliver insurance protection that is designed to really work for you, your business, your staff and community.

Is this the right policy for me?

Our Community or Charity Groups insurance policy is specifically designed for those who provide services within their community aimed at the improvement in social wellbeing of individuals, groups and neighbourhoods for adults and children. Typically, these services could include:

  • day centres for the elderly or adults with additional needs
  • resident and community associations
  • children’s centres and youth groups
  • volunteering and fundraising  
  • interests and hobby groups or adult social groups

If your group only provides free-play activities for parent and toddlers, you may wish to consider applying for our Parent & Toddler policy.

New Customer

If you're a new customer, then we can point you in the right direction.

Existing Customer

If you are an existing policy holder, we are here to help.

*If you are an existing policyholder and your policy was taken out prior to the 1st December 2023, please log in to your Morton Michel portal to see your current Policy Documents or call us on 0300 058 9861.

A group of parents and children playing together in a community room.

Why choose Morton Michel for your community groups insurance?

Our knowledge, experience and longevity within the childcare and education sector enables us to provide you with flexible insurance solutions and services designed to meet the needs of your business including:

  • a dedicated, specialist team who understands the requirements of the childcare and education sector and the challenges you face every day.
  • access to over 80 RoSPA-accredited or CPD-certified online training courses from flick learning for all your staff.
  • training and discounts to support your staff and group participants through our exclusive ChildCare Club.
  • access to our exclusive Employee Benefits Hub which can be passed on to employees and their families.

*Morton Michel ChildCare Club Benefits, flick learning, and the Employee Benefits Hub do not form part of the FCA regulated products. These are provided as an additional service.

Our Community Group insurance comes with three easy-to-arrange packages to choose from; Essential, Extra or Executive cover, which means you only pay for the cover you need. Cover can be quickly and easily purchased online and, depending on your individual requirements, there is a range of additional options and limits available.

What's covered?




Employers' liability

Public and products liability

Treatment liability

Professional indemnity

Legal expenses

Portable equipment



Equipment breakdown

Business interruption

Personal accident for officials and children

Employee dishonesty

You can view the policy summary guide for details of the significant policy benefits, conditions and limits. Full terms and conditions can be found in the policy wording.

Optional sections of cover you can choose, at an additional cost when purchasing your insurance include:

Want to extend your cover?




Directors' trustees' and officers'

Personal accident for officials and children

Automatically included


Trustees' and officers' financial liability

Loss of registration including temporary suspension of registration



Tenants improvements

Loss of licence

You can view the policy summary guide for details of the significant policy benefits, conditions and limits. Full terms and conditions can be found in the policy wording.

Morton Michel added benefits for community groups

In addition to the standard cover you would expect with your Community or Voluntary Groups insurance, we offer a range of value-added benefits to support your business and staff including:

You will receive a multi-user licence to access over 80 RoSPA accredited and CPD-certified online training courses from flick learning for use by everybody connected to your business. Click here to view some frequently asked questions about flick learning.

For all policyholders, we offer free access to a wide range of market-leading retail discounts that you can pass on to your staff and their families.

PIB Risk Management focuses on providing simple, creative and effective solutions to risk management, that really work in the workplace with tailored solutions for your business.

You will receive automatic entry to our Childcare Club; a hub of additional discounts and benefits designed to support you, your staff, and your business.

ARAG plc provides expert advice on a range of business-related legal and tax matters including employment and law disputes. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).

Providing access to 100s of legal documents (with smart document building feature) to assist with running your business.

Access to a confidential mental health counselling helpline through ARAG, operated by trained counsellors 24 hours a day, 7 days a week. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).

Your query will be dealt with by a qualified specialist experienced in handling tax-related matters. This service is available Monday to Friday from 9am - 5pm.

Available to principals, executive officers, directors, and partners of your business to help keep your personal identity secure. Open Monday to Friday 9am to 5pm (excluding bank holidays).

Morton Michel ChildCare Club Benefits including flick learning and the Employee Benefits Hub do not form part of the FCA regulated products. These are provided as additional services.

*Risk Management is provided at an additional cost.

More insurance for your childcare business

Additional insurances

Morton Michel can arrange the following insurance policies for you, at an additional cost:

Contact us
  • Motor
  • Minibus
  • Home
  • Property owners
  • Stakeholder protections (EB)
  • Unoccupied property
  • Babysitters
Family sitting in a meadow looking out at the view

Insurance for the family

Morton Michel policyholders can benefit from discounted insurance on the following leisure and lifestyle policies from our sister company, Thistle Insurance Services Limited. The discount code is available to Morton Michel policyholders in the Morton Michel ChildCare Club.

Please see the websites below for details of the products offered by Thistle Insurance Services Limited.

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