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Charity shops and events raise money but even this well-meaning sector faces demands that make a risk management plan essential. Peter Heap says brokers should do their bit to help

As brokers are no doubt only too aware, the charity sector is not the only community finding it hard to get cover. Like the corporate sector, charities are facing rising costs and changing terms and conditions, particularly in the liability classes.

But the charity sector also faces its own unique challenges in the way in which the markets perceive certain risks. Care, particularly involving children, is seen as high-risk by the markets and is, therefore, facing limited capacity and higher