Charities, Clubs & Community Organisations

Not-for-Profit Insurance

Tailored cover for associations, charities, and community organisations. We understand the unique risks and budget constraints of not-for-profit entities and structure programmes accordingly.

Get a Not-for-Profit Insurance Review Call 09 307 1295

Why Not-for-Profits Need Insurance

Not-for-profit organisations face many of the same liability risks as commercial businesses, but often with tighter budgets and volunteer governance. Committee members and trustees can be personally liable for decisions, volunteers create unique duty-of-care obligations, and events and activities expose the organisation to public liability claims. We work with charities, community trusts, sports clubs, churches, and advocacy groups to structure affordable insurance programmes that protect the organisation, its people, and its assets — without diverting funds from the mission.

What We Cover

Our not-for-profit programmes address the specific governance, operational, and people risks that charitable and community organisations face.

Cover Types

Trustee / Committee Liability

Public Liability

Statutory Liability

Volunteer Personal Accident

Property & Contents

Event Liability

Employment Practices Liability

Professional Indemnity

Cyber Liability

Crime / Fidelity

Who Is This For?

Registered charities and trusts

Community organisations

Sports clubs and recreation groups

Churches and religious organisations

Advocacy and social service groups

Education and training organisations

Why Exclusive Insurance Services?

Affordable programmes designed for NFP budgets

Trustee/committee liability is our priority

Volunteer cover included as standard

Claims advocacy for governance disputes

Talk to an Adviser

Get specialist advice tailored to your situation. No obligation, no pressure.

Start Insurance Review 09 307 1295

What Insurers Typically Need

Information an insurer may require

Underwriters generally ask for the following when quoting or renewing this class of risk. Being ready with accurate information usually improves outcomes on price and wording.

Registered status (Charities Services), constitution and governance structure

Annual revenue, funding sources and any grant-holder obligations

Activities: service delivery, events, transport of clients, use of volunteers

Property owned or occupied, and any leased venues

Employee and volunteer numbers, and any working-with-children arrangements

Prior claims: liability, employment disputes, governance and cyber

When Something Happens

Claims considerations

We help manage the claims process from notification through to settlement, coordinating with you, the insurer and other parties involved and advocating for your interests throughout. Things that commonly affect a claim in this area:

Trustee / committee decisions are the source of many D&O claims — retain minutes, resolutions and conflict-of-interest declarations.

Volunteer accident cover interacts with ACC and Health & Safety obligations; document the scope of authorised activity.

Employment claims are common in the NFP sector — early notification protects defence-cost cover.

Cyber and privacy breaches involving beneficiaries carry reputational as well as regulatory exposure; notify insurer and Privacy Commissioner in parallel.

Frequently Asked Questions

Do charity trustees need insurance?

Yes. Trustees and committee members of not-for-profit organisations can be personally liable for governance decisions, health & safety obligations, and employment matters. Trustee liability insurance protects their personal assets.

Does not-for-profit insurance cover volunteers?

Yes. Good NFP insurance includes volunteer personal accident cover, which pays benefits if a volunteer is injured during authorised activities. This is important because ACC may not cover all volunteer-related injuries.

How much does not-for-profit insurance cost?

Costs vary based on the organisation's size, activities, and assets. Many insurers offer discounted rates for registered charities. We work to find competitive value across our panel of 25+ insurers.