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Trustee Indemnity Insurance for Charities, CICs & Non-Profits
Protect the people who protect your mission – with ethical insurance that doesn't compromise your values.
- FCA Regulated Insurance
- B-Corp Pending
- Ethical Cover
Our Trusted Partners
Ready to Make the Switch?
Why Charities Choose Planet Protection for Trustee Cover
Values-Aligned Protection
Your premiums support environmental projects and renewable energy initiatives, not fossil fuels or controversial industries. We work with insurers that, based on publicly available information, have lower known exposure to harmful sectors.
Charity Specialist Expertise
We understand the unique governance challenges charities face: Charity Commission investigations, employment disputes, and the personal liability risks trustees carry. Tailored coverage that reflects your charitable purpose.
Transparent Pricing
Competitive rates with no hidden fees. Research shows ethical organisations are better risks, often resulting in competitive premiums. Cover available from £100,000 to £5,000,000.
Impact Reporting
Coming Soon. The ability to track your environmental contribution with detailed impact reports. You will be able to see exactly how your insurance purchase supports reforestation, renewable energy, and community projects.
The Time to Act is Now.
Trustees deserve protection for the time they give:
Without cover, your trustees could face personal financial liability for honest mistakes made in good faith. The right time to arrange protection? Before a claim arises.
faqs
Frequently Asked Questions About Trustee Indemnity Insurance
Do charities need trustee indemnity insurance?
While not legally required, trustee indemnity insurance is strongly recommended. Trustees can be held personally liable for breaches of duty, negligence, or mismanagement – even when acting in good faith. The Charities Act gives trustees an express power to purchase this insurance using charity funds.
What does trustee indemnity insurance cover?
Trustee indemnity insurance protects individual trustees, directors, and officers against personal financial loss arising from claims of wrongful acts. This includes legal defence costs, compensation settlements, Charity Commission investigations, employment disputes, and disqualification proceedings.
What's the difference between trustee indemnity and D&O insurance?
They’re essentially the same protection – the key difference is terminology. Directors and Officers (D&O) insurance is designed for businesses, while Trustee Indemnity Insurance is specifically for charities, community groups, and not-for-profit organisations. Both protect leadership from personal liability.
What isn't covered by trustee indemnity insurance?
Trustee indemnity insurance covers trustees acting in good faith. It does not cover criminal acts, deliberately wrongful acts, fraud, or situations where trustees knowingly breached their duties. For protection against fraud by trustees, a separate fidelity guarantee policy is needed.
What's Covered Under Your Trustee Indemnity Insurance
Trustees give their time freely to support your charity’s mission. But what if an honest mistake leads to legal action? Trustee indemnity insurance ensures they’re not personally liable for potentially devastating costs – protecting both the individuals who govern your organisation and your charity’s ability to recruit future trustees.
Wrongful Acts Defence
Legal costs and compensation for claims alleging breach of duty, breach of trust, negligence, or errors and omissions in trustee duties.
Regulatory Investigations
Protection during Charity Commission investigations, inquiries, and regulatory proceedings – including legal representation costs.
Employment Claims
Cover for claims arising from employment disputes including wrongful dismissal, discrimination, and breach of contract allegations.
Disqualification Defence
Legal costs for defending against trustee disqualification proceedings brought by regulatory bodies.
Past Trustees Protection
Extended cover for retired trustees – typically up to six years after leaving their role – for claims arising from their time in office.
Document Loss
Cover for costs arising from lost or damaged documents essential to defending claims, typically up to £50,000.
Essential protection for your organisation itself
Professional Indemnity Insurance for Charities
Advice & Services Protection
While trustee indemnity protects individuals, professional indemnity protects your charity when the advice or services you provide cause a client financial loss or harm.
Complementary Coverage
Many charities need both: trustee indemnity for governance decisions and professional indemnity for service delivery. Different risks require different protection.
Charity-Specific Expertise
Our professional indemnity cover is tailored for charitable activities – from advice services to advocacy work to training programmes.
Bundled Value
Combined with trustee indemnity insurance for complete protection. One relationship, streamlined renewals, and comprehensive coverage for your charity’s full range of risks.
Trustee Indemnity vs Entity Cover
Trustee Indemnity Insurance
Understanding the difference between trustee indemnity (which protects individuals) and entity cover (which protects your charity as an organisation) is essential. Many comprehensive policies include both – here’s why that matters:
Entity Protection
Protects the charity itself as a legal entity, covering corporate liabilities from board decisions.
Organisational Defence
Defends the organisation in legal proceedings – important for charities with significant contracts or employees.
Contractual Protection
Essential for charities with significant contracts, service agreements, or employment relationships.
Included Cover
Entity cover is usually included alongside trustee indemnity cover in comprehensive policies.
Understanding Charity Trustee Insurance Terms
Trustee Indemnity Insurance
The formal term for protection that covers individual trustees against personal liability arising from their governance duties and decisions.
Trustee Liability Insurance
Another way to describe trustee indemnity cover – the terms are used interchangeably across the insurance industry.
Directors & Officers Insurance (D&O)
The business equivalent of trustee indemnity insurance. For charities and not-for-profits, D&O and trustee indemnity provide the same essential protection.
Claims Made Basis
How trustee indemnity policies operate – covering claims made and notified during the policy period, regardless of when the alleged wrongful act occurred.
Limit of Indemnity
The maximum amount your insurer will pay under the policy. For trustee indemnity, this is typically an aggregate limit for the entire policy period, ranging from £100,000 to £5,000,000.
Fidelity Guarantee
Separate cover that protects against fraud or dishonesty by trustees – not included in standard trustee indemnity insurance but often recommended alongside it.
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