Trustees Liability

Trustees Liability Insurance is designed to indemnify trustees and committee members from claims against them personally for failing in their duties in the running of an organisation. This can include unpaid and volunteer trustees. Accusations you could face can include:

  • Breaches of health & safety regulations
  • Using money outside your Organisation's scope
  • Not acting in your Organisation's best interests
  • Libel & slander
  • Discrimination or harassment

We would recommend cover for Charities, Pension Funds, Community Interest Companies, Clubs and Associations, because in the eyes of the law trustees and committee members have huge responsibilities. Individuals are especially vulnerable if your Organisation is registered with Companies House, because under the 2006 Companies Act, you are exposed to over 200 areas of statutory liability. This means you could face unlimited personal liability for your actions and decisions on behalf of the Organisation. Cover can be extended to include all individuals in management positions, employment practices and entity cover. 

Claims could be made by employees, volunteers, shareholders, customers or government bodies such as the Inland Revenue or Health & Safety Executive.

Until recently this kind of insurance was quite expensive so only the largest organisations could afford it, fortunately costs have reduced in recent years and quality annual cover for small organisations can now be obtained from under £100.

If you currently sit as a trustee or committee member you should seriously consider reducing your personal liability by asking your organisation to purchase trustee and committee members insurance.

If you would like advice or a quote please contact us or call 01905 21681


Act now! Call us on  01905 21681  to get your insurance needs met

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