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
ACC covers treatment for injured volunteers, but weekly compensation depends on earnings, mental injury cover is narrow, and overseas treatment costs are excluded. Here is where volunteer accident cover fits.
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?
Societies that did not reregister under the Incorporated Societies Act 2022 by 5 April 2026 have been removed from the register. What that means, how restoration works before 6 April 2032, and the insurance questions to ask.
Governance Reviews After 5 October: What Charities Do Now
The first round of governance reviews under section 42G of the Charities Act 2005 fell due in October 2026. What the law requires, how to confirm the review to Charities Services, and what to do if your charity missed the date.
Budget 2026 Charity Tax Changes: What It Means for Cover
Inland Revenue's Budget 2026 information sheet lists ten tax changes for charities and not-for-profits, starting from April 2027. What they are, who they affect, and where insurance needs to keep pace.
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.
QR Code Scams and Your Charity's Cyber Cover
The National Cyber Security Centre's latest quarterly report shows fewer dollars lost but more incidents serious enough to need specialist help — and a rise in QR code and malware scams that community organisations are unusually exposed to.
New Reporting Rules and Your Insured Values
The revised Tier 3 and Tier 4 reporting standards simplified life for small charities — but one of the things they simplified away was the annual list of assets that used to prompt boards to check their sums insured.
Losing a Major Contract: The Insurance Review Boards Forget
When a large government contract ends, boards move quickly on staffing and premises. The insurance programme is usually left until renewal — and that is where the expensive mistakes happen.
What the Pokie Grant Findings Mean for Funded Groups
Internal Affairs found up to $28 million that should have reached community groups was spent on trust costs instead. For grant-funded organisations, the follow-on effects are practical.
Health and Safety Law Changes: What Volunteer Groups Need to Know
Changes to the Health and Safety at Work Act take effect on 1 April 2027. Here is how the new small and large split, critical risk and the clarified officer duty interact with the rules on volunteers, and what insurance can and cannot do.
When Your Software Supplier Is Hacked: What Charities Must Do
The NCSC Cyber Threat Report 2026 puts digital supply chains among the major risks of the year. When a platform holding your donor or client data is breached, the Privacy Act obligations stay with you.
Donation Receipts and Donee Status: Getting It Right
A receipt missing one detail can cost a donor their tax credit. What Inland Revenue requires, how donee status works, and what Budget 2026's cap and refund transfers mean for receipting from 2027 and 2028.
Closing or Merging a Charity: The Insurance Checklist
Liability for past activity outlives the organisation. What Charities Services requires when a charity winds up or deregisters, and the run-off, asset and records decisions that should sit alongside it.