Are Your Trustees Personally Liable? What Every NZ Charity Should Know
Charitable status is not a legal shield. Trustees and committee members can face personal financial exposure for governance decisions — and most don't know it until something goes wrong.
What ACC Doesn't Cover for Your Volunteers — and Why You Need Voluntary Workers Insurance
ACC handles most workplace injuries in NZ — but it has real gaps for volunteers. If you're relying solely on ACC to protect your voluntary workforce, you may be leaving people exposed.
The Incorporated Societies Act 2022: What It Means for Your Insurance
The Incorporated Societies Act 2022 introduced the most significant reform to NZ's community organisation law in over a century. Here's what changed, and why it affects your insurance programme.
Running a Charity Event? Here's What Your Public Liability Policy Needs to Cover
A charity gala, fun run, or community fair carries real public liability risk. Make sure your event is properly covered — because "it's for a good cause" won't pay a personal injury claim.
Your Charity Has Suffered a Privacy Breach. What Happens Next?
The Privacy Act 2020 requires charities to report serious breaches to the Privacy Commissioner. But what actually happens when donor or beneficiary data is compromised — and how does insurance help?
The Complete Guide to Insurance for NZ Sports Clubs
Sports clubs face a unique mix of public liability, volunteer, equipment, and governance risks. This guide covers everything you need to know about protecting your club — from junior grades to senior competitions.
Why Standard Insurance Doesn't Work for Churches — and What Does
Churches and faith communities conduct a far wider range of activities than a standard insurer expects. From counselling to food pantries, heritage buildings to childcare — here's how to get the right cover.
The Hidden Cost: Why Most Charity Buildings Are Underinsured
Construction costs have risen significantly in recent years. If your charity building's sum insured hasn't kept pace, you could face a massive shortfall in the event of a total loss. Here's how to check — and fix it.
The Complete Guide to Not-for-Profit Insurance in New Zealand
Every NFP needs insurance, but the landscape is complex. This plain-English guide covers every cover type, who needs what, and how to find the right broker for your organisation.
Insurance for Aged Care Charities and Rest Homes in New Zealand
Trust-owned aged care facilities face some of the most complex insurance requirements in the charity sector. Here is what every aged care board and trustee needs to know.
Marae and Iwi Trust Insurance: What Every Kaitiaki Should Know
Marae and iwi trusts manage assets of profound cultural and financial significance. Insurance that protects those assets — from wharenui to commercial farms — requires specialist advice.
Insurance for Disability Support Organisations in New Zealand
Not-for-profit disability service providers face complex care liability, Whaikaha contract requirements, and sensitive data obligations. Here is what your board needs to know.
Event Insurance for NZ Charities and Community Groups
Running a charity gala, community market, sports tournament, or fundraising event? Here is everything you need to know about event insurance in New Zealand.
The Re-registration Deadline Has Passed: What Now?
The Incorporated Societies Act 2022 required all ~24,000 societies to re-register by 5 April 2026. Many missed it — and the consequences for officers are serious.
Your Charity's Governance Review Deadline Is October 2026
The Charities Amendment Act 2023 requires all registered charities to formally review their governance procedures before 5 October 2026 — and the expanded "officer" definition means more people are exposed than most charities realise.
Budget 2026 Charity Tax Changes: What It Means for Cover
Budget 2026 included ten tax changes affecting charities. Finance Minister Nicola Willis shelved the commercial income tax proposal in May 2025 — but other changes still affect how charities manage their finances and their insurance.
Who Is an 'Officer' Now? The Change That Matters
The Charities Amendment Act 2023 expanded the definition of "officer" to cover anyone with significant influence over management — not just named trustees. Many charities don't realise their senior staff and key volunteers may now be personally exposed.
Funding Pressure in 2026: Don't Cut the Wrong Costs
Charities across the sector are under financial pressure in 2026 — from government contract reviews to cost-of-living donation declines. When budgets tighten, insurance is often cut first. It shouldn't be.
AI Tools and Charity Insurance: The Gap Nobody Talks About
Charities are adopting AI tools for grant writing, communications, and data analysis — but most standard insurance policies don't cover AI-related risks. Here is what to check.
Accumulated Funds Reporting and Your Reserves Strategy
Charities with operating expenses above $140,000 now have to explain why they hold accumulated funds. That scrutiny changes how boards should think about reserves — and about insurance.
Fraud in the Charitable Sector: The Cover Most Miss
Charities Services has uncovered frauds costing the sector hundreds of thousands of dollars. Crime and fidelity cover is one of the cheapest policies available — and one of the least often bought.