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Trustee Indemnity insurance for your Trustees, Directors and Officers

As charities and organisations grow, the importance of a board of trustees or management committee increases. When people volunteer as trustees to support you and help to look after the best interests of your charity you may want to consider how you protect them.

We offer Directors and Officers insurance to protect trustees or senior decision makers. This cover, sometimes known as trustee indemnity cover, can help organisations to attract and retain trustees. Without the cover, a trustee’s personal assets could be at risk if a claim was to be made that contested a decision they made on behalf of the organisation.

Our trustee indemnity insurance is provided under our Financial and Administrative Liability cover and can include:

  • Protection against maladministration of funds (excluding pension funds)
  • Cover for breach of duty, trust, and authority
  • Damage and claimants’ costs

Cover can also be extended to include cover for:

  • Corporate liability for financial losses arising from your business
  • Crime cover to protect you against fraudulent activity from both employees and third parties

If you would like to purchase cover for your trustees, you will also need to purchase Public Liability cover from us, which will help protect your volunteers. We know how important volunteers are to not-for-profit organisations, so we can help by offering Personal Accident cover too.

Get a Trustee Indemnity quote

Getting a quote is easy

Get a quote

Call us on 0800 917 9420


Why would I need this cover?

Trustee insurance offers financial protection to individual board members in the event that they are sued due to mismanagement in their role as a director or trustee which is detrimental to the organisation they serve or parties having an interest in it.

Most not-for-profit groups will have trustees or management committees, which means that this insurance should be considered as part of the protection you choose to provide to those who help guide your organisation.


For Example:

Trustees of a cricket club commission a new pavilion after a firm promise of a grant. They never receive the funds and are unable to pay for work which has already begun. The builder subsequently sues the trustees of the club and their Trustee Indemnity policy covers the costs of the claim.

At present we refer to trustee insurance as either Trustee Indemnity Insurance (in our Insight Policy Wording) or Financial and Administrative Liability (in our Select Policy Wording). Although similar, they do provide different covers, so please talk to us or read your policy wording for detailed information about what is covered.

For more information on Trustee Indemnity insurance, feel free to contact our friendly team on 0800 917 9420 or email enquiries@zurichtogether.co.uk.

Need more information? Our ‘10 questions to make buying insurance simple’  guide gives an easy explanation of the types of insurance cover you might need for your organisation.