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Personal protection for your trustees, officers, and decision-makers. Because problems for your organisation can spell problems for them personally, too.
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Helping to run a charity or other not-for-profit can be massively rewarding. But with responsibility comes risk. In this case, risk you may be unaware of.
Take your eye off the ball, get a decision wrong or stray onto the wrong side of charity law, and you could be held personally responsible for what happens next.
That’s right – you. Not just your organisation but you as an individual, despite your good intentions. And that puts your personal finances on the line.
If there’s a claim or a legal dispute, trustee indemnity insurance helps by paying your legal fees and covering any civil fines and compensation. It’s insurance that has your best interests at heart.
It’s not just trustees who need trustee insurance. That’s because not all not-for-profits have what they call ‘trustees’.
Anyone accountable for the way their charity, club or community group is run should have trustee indemnity insurance. That means trustees, directors, governors, committee members, officers, and any other key decision-makers.
Call them what you like, they’re the guardians of your organisation’s wellbeing and its future. Staying on top of things, making informed choices, and acting within the rules are all part and parcel of the role.
And If things do go wrong, then it’s them who carry the can. It’s what puts them directly in the line of fire for claims of wrongdoing and negligence.
Because good intentions alone aren’t enough. As someone in a position of responsibility, you can be sued personally if someone says your organisation has questions to answer.
That puts your personal finances on the line, considering you’ll have to pay for a lawyer and cover any fines and compensation. Plus, you have to deal with a claim whether it’s justified or not.
Trustee indemnity insurance gives you peace of mind knowing your defence and other costs are covered if an accusation is made and taken further.
Offering it as standard can even help attract trustees and officers to your organisation. Making insurance cover part of the deal can give people the extra push they need to come on board.
Trustee indemnity insurance covers you if someone says you’re solely or partly responsible for a wrongful act such as a breach of trust, a breach of duty, negligence, or defamation. The accusation can come from within your own organisation or from a third party.
Here’s some scenarios where trustee insurance can help:
The Charities Act says not-for-profits can pay for trustee indemnity insurance out of their own funds. Or individuals can buy their own policy, which covers them across all the organisations they work with.
If you’re in the market to buy trustee insurance, you can either do it through a broker, or buy direct from an insurer. Brokers like us have the advantage of being able to point you towards the policy that’s best for you.
You can also choose whether to buy online, or over the phone. A simple online journey like ours lets you buy a policy in a few clicks, with documents delivered to your inbox.
Or, if you’d rather chat things through, you can call our team of friendly advisors.
Public liability insurance covers you for bodily or property damage arising from slips, trips, falls, and other mishaps said to be your fault. Covers your events and fundraisers too.
Employers’ and volunteers’ liability insurance covers your employees, volunteers, and helpers if they’re hurt or made ill by doing what they do for you. It’s legally required if you have staff.
Property and contents insurance covers your equipment and kit if it’s lost, damaged or stolen, including portables like laptops and cameras.
Cyber insurance pays to get you back on your feet again quickly after a cyber-attack or data breach and helps deal with the fallout.
Legal expenses insurance covers you for legal disputes including employment, tax, debt recovery and contractual issues.
Plenty of reasons, really. But we’ll start with the fact we’re not-for-profit insurance specialists. Plus, we only use trusted insurers like Ansvar and Hiscox.
We can hold your hand as much as you like through the buying process and advise you all you want by phone. Or you can go the easy online route and get a policy in minutes.
Either way, you’ll get the cover you need and nothing you don’t, with no admin fees, no jargon, and no fuss.
And if you still need convincing, take a look at our platinum-rated customer feedback. We think it speaks for itself.
Your policy comes with a free subscription to Flick's fully accredited interactive courses.
Learn at your own pace and brush up your skills in essential areas like health & safety, safeguarding, data protection and more.
Take as many courses as you want and help keep your organisation in the know.
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a charity and not-for-profit specialist.