Voluntary activity

Charity insurance is a niche market - but, just like commercialbusinesses, charities want to protect their assets; and with 162,335registered charities generating £29.45bn in income, the sector certainlyis big business. In most cases, the needs of charities are similar tothose of commercial enterprises - but some fundraising activities carryhigh risks, which is why specialists are crucial.

Finding a provider

Simon Hickman, marketing director at Access Insurance, explains: "Mostbusiness sectors can