Trustee liability insurance


Individual and trustee liability insurance protects trustees, directors, governors, committee members, officers or employees of a charity, club, association or not for profit organisation. It’s designed for people whose job puts them in the public eye and it’s there to cover the cost of claims for compensation in the event of a dispute or legal case.

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About trustee liability insurance


What does trustee liability cover do?

Trustee liability insurance covers your costs when defending or settling a wide range of claims. Your policy protects you against fines and compensation claims as well as any legal costs arising from them.

Who needs trustee liability insurance?

Trustees, directors, officers, committee members and governors of public organisations can be held personally responsible for decisions and actions made on behalf of their organisation. They may also be sued or prosecuted for any mistakes and their consequences, during the performance of their duties. If you hold one of these roles, you need trustee indemnity insurance.

What level of trustee liability cover do I need?

Flexible indemnity insurance policies offer several levels of cover up to £10 million. Costs vary according to the level of cover you need, but our experts will work with you to make sure you get exactly the right level of protection for your needs.

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When trustee liability insurance can help


Workplace accidents


If an employee is injured or killed at work, trustees may be held liable. Should these circumstances arise due to a breach of the Corporate Manslaughter and Homicide Act 2007, or the Health and Safety at Work Act 1974, insured individuals will be covered.

Accusations of negligence


Mistakes and accidents that damage the organisation may lead to accusations that trustees have failed to carry out their duties correctly.

What’s included in our cover


We’ll cover you for the costs of defending and settling claims for:

  • Health and safety issues, including corporate manslaughter cases
  • Employment tribunals and disputes
  • Operating or administering pension funds and employee benefits schemes
  • Charges related to breaches of duty or trust, negligence or defamation
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Trustee liability guides, articles & answers


What types of insurance do charities need?

As a charity, your focus is on doing good and your aims go beyond profits. However, it may still be important to have cover - find out what types of business insurance charities need here. 

Difference between a charity and non-profit?

Many people struggle to differentiate, so here’s a quick guide on the differences between a charity and non-profit and what they mean for your insurance requirements.

What is professional indemnity insurance?

Even with the best intentions errors and disputes over quality may occur. If they do, professional indemnity insurance can help to protect you against client claims - discover more with this guide.