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. This could result in prosecution by the Health and Safety Executive and a civil claim for compensation.

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


Why Trustees’ Insurance is Important

Trustee insurance is often overlooked. But if you have a management team looking after the interests of your charity, it’s crucial you have the right cover.

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Difference between a Charity and Non-Profit?

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

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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.

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