Trustee Liability Insurance
What we do...
All trustees have potential liability for failing to adequately perform their obligations or failing to exercise reasonable business judgement and tighter UK and European regulation in the areas of health and safety, environment, employment and charity governance is fuelling growth in litigation against trustees, even if the error was unintentional.
When they fail in their responsibilities, claims against Trustees can be brought by a wide group of people, including employees, customers, suppliers, creditors, bankers and regulatory groups and shareholders and the legal fees incurred in defending trustees against these claims can often be very high.
Furthermore, Trustees can be held jointly liable, which means that all the trustees are held equally responsible for the errors of one Trustee. With premiums from just £280 per year, Naturesave Trustee Liability Insurance provides you and your charity protection against this risk.
Any questions? Look at our Frequently Asked Questions FAQs
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Potential Claims Scenarios
- Reporting errors
- Employment practices/ HR Issues
- Disclosure of confidential information
- Failure to comply with laws & regulations – eg. Health and Safety at work
- Making decisions that exceed individual authority
Typical Exclusions
- Deliberate or fraudulent acts by Trustees
- Bodily Injury Claims (covered by Public Liability)
- Claims made outside of UK Court jurisdiction
- Fines or Penalties imposed by the Charity Commission
Awards and Accreditations
Ethical Consumer
Naturesave has been given the top ethical score by Ethical Consumer, and they have also awarded us Best Buy status.
Ethical Consumer is an independent, not-for-profit, multi-stakeholder co-operative founded in 1989. Their primary goal is to make businesses more sustainable through consumer pressure. Their mission includes the following:
- Help consumers to challenge corporate power by using their economic vote every time they go shopping.
- They have a fully transparent ranking system with all data available to subscribers.
Good with Money
We are in the top four ethical and eco-friendly UK home insurers in Good With Money, one of the UK's top directories for ethical consumers who want to "become Good with money while doing good with money".
The Good Shopping Guide
We are also highly rated by The Good Shopping Guide (GSG) achieving a perfect score of 100 out of 100. GSG wants to "encourage more companies in the insurance sector to follow Naturesave's example and adopt more ethical policies and practices."
Queen's Award
Naturesave is the only insurer to win a Queen's Award for Sustainable Development.
Why Choose Naturesave?
Ethical Insurance
- Sustainable and ethical approach to insurance
- Policy fees support The Naturesave Trust environmental funding
- Committed to sustainability and environmental protection
- Transparent policies and honest claims handling
Comprehensive Coverage
- Specialist coverage for renewable energy systems
- Material damage protection including storm, fire, and theft
- Business interruption coverage for lost revenue
- All systems covered: Solar panels, Heat pumps, Biomass boilers, and Micro-hydro systems
Award-Winning Service
- Top ethical score by Ethical Consumer
- Winner of Queen's Award for Sustainable Development
- Perfect score from The Good Shopping Guide
- Dedicated customer support from expert advisors
Get in touch...
If you are unsure about the level of cover required, or about types of charity insurance,
please do not hesitate to call us directly on 01803 869775 or email us via our contact page for help and a quotation.
