Trustee Liability Insurance

Charity & Non-Profit Trustee Liability Insurance

Naturesave’s Trustee Liability Insurance protects trustees against liability claims which arise from decisions and actions taken as part of their day-to-day duties.  Essentially, Trustee Liability insurance can provide protection against claims that result from errors in judgement.

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 £265 per year, Naturesave Trustee Liability Insurance provides you and your charity protection against this risk.

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

For a quote within 24 hours please complete our online trustee liability insurance quotation form.

Alternatively, if you are unsure about the level of cover required, or about types of business insurance, please do not hesitate to call us directly on 01803 864390 or Contact Naturesave for help and a quotation.

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