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Chamber of Commerce Insurance

Protecting chamber professionals, starting less than £55* per year

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Excellent 4.7 out of 5

Professional Saver’s Liability Insurance for Chambers of Commerce


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

As a chamber of commerce, insurance is crucial to protect your organisation, events, assets and personnel fully.

Our specialist public liability insurance covers you against claims from multiple scenarios – if a member or event attendee gets injured, if their property gets damaged, if your advice causes them financial loss, if events must be cancelled and more.

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Why choose Professional Saver chamber of commerce insurance?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer

Defaqto 5 Star rated

Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

How our chamber of commerce insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get a quote

Get an instant quote & choose any optional covers you may need.

3 You’re insured!

Instantly activate your Professional Saver policy and view your certificates online.

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What Is Chamber Of Commerce Insurance?

Chamber of commerce insurance protects member-based organisations supporting local businesses through networking, advice sharing, discounted products, apprenticeship programs and profile-raising initiatives within community territories.

Adequate insurance enables chambers to facilitate entrepreneurial ambitions through events, training and showcasing opportunities. It also covers any damages arising from good faith business guidance that may inadvertently lead enterprises astray.

Most crucially, coverage protects the integral community trust chambers rely on to attract member sign-ups necessary for sustaining operations.

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Why Do Chambers of Commerce Need Specialist Insurance?

With lots of moving parts – venues, suppliers, attendees, contractors – there’s a substantial risk of accidents and incidents at chamber-hosted events. A single slip or fall leading to injury could result in a large liability claim against your organisation. Not to mention potential allegations of professional negligence if your business advice causes loss for a member.

Our tailored public liability policies give you complete peace of mind that any claims caused by your diverse chamber activities will be dealt with by your insurer, preventing personally crippling costs. You can run networking meetups, host keynotes, provide guidance and more, safe in the knowledge that you and your members are fully protected.

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What Does Our Chamber of Commerce Insurance Cover?

Our specialist chamber of commerce insurance policies protect vital areas:

Public Liability Cover

This covers any injury or property damage caused to your members and third parties during events, office visits or other activities. For example, an attendee tripping over loose cables and hurting their ankle at your flagship conference. Or a guest accidentally knocking over and smashing a valuable vase at a chamber networking dinner.

Professional Indemnity Insurance

This option provides cover if your advice leads to financial loss for one of your members. For example, incorrect guidance on tax compliance leads to a member being fined. Or a flawed tender template results in a business losing a bid. The policy shields you from negligence claims.

Crucially, we offer varying levels of cover limits based on your specific needs, which can be easily updated year to year. If you start expanding and hosting more frequent or larger events, we make increasing liability limits smooth and simple without penalties.

Even More Protection With Additional Covers

On top of our public & professional liability offerings, we also provide additional covers to safeguard your organisation thoroughly:

  • Office Equipment Insurance – Replaces or repairs equipment like computers, phones and office furniture that are vital to your operations if they’re damaged, vandalised or stolen from your premises.
  • Commercial Legal Expenses Cover –  Provides specialist legal advice and covers lawyers’ fees to protect you during legal disputes with venues, suppliers, partners, contractors and even employees or former members. It can assist with mediation and settlement negotiations, providing invaluable assistance to resolve disputes and avoid costly court proceedings or tribunals.
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Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our professional cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

FAQs

Chamber of Commerce Insurance FAQs

Chambers face substantial risks of accidents, cancellations, property damage, injuries and other costly problems at their networking meetups, talks, conferences and dinner events. On top of this, as a guidance body, they also risk claims if their advice causes financial loss for members. Specialist chamber insurance covers all these scenarios that could otherwise cripple them through legal and damages costs.

    • Examples of major chamber incidents we cover include:

      Public Liability

      • A guest falling down stairs and breaking their leg at an awards gala, resulting in a large injury claim.
      • Knocking over and smashing a valuable corporate member’s presentation display screen due to slippery floors.

      Professional Indemnity

      • Flawed HR policy guidance from the chamber, leading to a member being fined for employee contract non-compliance.
      • Inaccurate health and safety advice failing to highlight risks, resulting in a member facing corporate manslaughter charges after a site fatality.

Other beneficial covers we offer include:

  • Office Insurance – Covers theft of laptops and database servers storing member details in a break-in.
  • Commercial Legal Expenses Cover – Secure expert legal counsel and financial backing for disputes with anyone, from venues to employees.

In summary, we offer a whole suite of standard and special extension covers beyond basic liability and property policies to fully protect modern chambers and similar membership organisations.

The claims process is designed to be as smooth and stress-free as possible. Simply notify us promptly about any incident that could lead to a claim against your policy – whether that’s an injury, property damage or other loss. We will then have one of our specialist claims handlers take over the management of the case.

We’ll liaise with your insurer and keep you updated throughout the process through to settlement.

All with the minimum hassle to your chamber. They will also keep you updated regularly throughout the proceedings. Our claims managers pride themselves on both swift resolution of cases and customer care.

So, claims notification is easy. Just call or email us about a new case, provide preliminary details and we take over from there as your trusted insurance partner.

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What our customers say

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