Trustee Indemnity Insurance for Charities

Our insurance brokers are experts at advising charities and arranging charity trustee indemnity insurance.

This insurance, sometimes referred to as Trustees, Directors & Officers Cover, is specifically designed to cover the management risks incurred by charities and their trustees. Each charity we help has different needs. We’ll ensure you get the right cover quickly and easily.

Key benefits:

  • Get free advice & a no obligation quote over the phone
  • No proposal forms to fill in
  • Varying limits of trustee indemnity insurance available, from £100,000 to £10 million
  • Optional covers available so your group has the insurance you need
  • Affordable policies (from £7.50/month for £100,000 of cover)

Our charity trustee indemnity insurance packages are designed to cover your Trustees against claims for wrongful acts. Wrongful Acts include actual or alleged acts (including breach of duty or trust) and the policy is designed to pay for and defend these actions.

Cover can be extended to include professional indemnity insurance for services you provide and fidelity guarantee insurance (cover for fraud or dishonesty by employees or volunteers).

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How can we help you?

If you need help determining whether you need trustee indemnity insurance, please contact us on 020 8651 7420. Our specialist team of advisers are here to help you from a simple question to advice on a more complex range of covers.

See what our clients say

They were able to provide cover for what we needed & unlike our previous insurer we did not need to buy a policy that covered several aspects we did not need. I would recommend them.

Barnet Borough Sight Impaired

Wow! What can I say; absolutely fabulous service from Access where nothing was too much trouble. Courteous, responsive and extremely quick in setting up our non-profit group’s insurance.

Love to Live

We felt like lost sheep & not sure what we needed. We were very happy to be guided by their expertise. The staff were extremely helpful and very patient. We would highly recommend them. Excellent…

World Medicine Charitable Trust

…it was critical that we had the right cover. Despite the lead time that was available to get the quote in, reviewed and agreed Access Insurance met this challenge head on.

Doddridge Centre

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Your questions answered.

Much like other common covers, trustee indemnity is not compulsory but is taken out to insure against claims and legal action made against a charity or individual for the negligence or breach of duty from trustees and officers even if there were no illicit intentions.

A common misconception is that trustees, directors and key decision-makers are not individually liable. A company or charity with limited liability only refers to the liabilities of debts. Therefore, financial claims or legal action could be taken against an individual in a position of trust if there are suspected wrongful acts, errors, breach of duty or negligence. Insurance is handy when protecting your charity from these sorts of claims but doesn’t cover everything. For example, to protect against fraud and theft by trustees a fidelity guarantee policy should be taken out, and trustee indemnity cover does not insure against poor commercial decision-making. You can read more about trustee indemnity in this guide. Our advisers can also help identify which policies would be best for your organisation.