Charity Public Liability Insurance
Public liability insurance protects your charity against claims from third parties — members of the public, attendees, contractors, or neighbours — who suffer injury or property damage as a result of your organisation's activities. For charities that run events, operate premises, deliver outreach programmes, or use volunteers in the community, this is the most fundamental layer of protection required. Funders, councils, and venue operators commonly require a current certificate of currency before approving grants or facility use agreements.
- Registered Financial Service Providers
- Multiple Insurers Compared
- Charity Sector Specialists
- No Cost to Compare
Key Coverage Points
What your policy needs to address for this type of organisation and risk profile.
- 1
Third-party bodily injury and property damage cover for all charity activities
- 2
Events and functions extensions covering temporary venues, marquees, and outdoor activities
- 3
Products liability for organisations that manufacture, sell, or distribute goods
- 4
Contractual liability cover for indemnities given to councils, funders, and landlords
- 5
Cover for hired and borrowed equipment and third-party property in your care
- 6
Limits from $1 million to $20 million available depending on activity risk profile
What Matters Most for This Risk
Event-related public liability is the area where most charity claims occur. A food stall at a fundraising fair, a temporary stage at a community concert, a crowd gathered at a charity walk — each scenario creates third-party exposure that your standard premises liability may not automatically extend to cover. Event-specific extensions or blanket charity public liability policies with event clauses ensure that your cover follows your activities, not just your fixed address. Always confirm with your broker that temporary structures, hired equipment, and activities at third-party premises are explicitly included in your policy wording.
Why Use charityinsurance.co.nz?
charityinsurance.co.nz works with Registered Financial Service Providers who specialise in pricing charity public liability based on the actual risk profile of your activities — not a generic "not-for-profit" category. That means smaller charities with low-risk activities pay appropriately lower premiums, while high-activity organisations get the higher limits they genuinely need. Get a Quote to receive a comparison across multiple insurers.
Our Broker Panel
- Registered Financial Service Providers on the FSPR
- Access to all major charity insurance underwriters
- Specialist not-for-profit sector expertise
- No additional cost to your organisation for comparison
- One form — multiple quotes, one business day
Insurance by Organisation Type
Explore insurance information specific to the type of organisation you run.
Not sure which cover fits your organisation?
Our panel of Registered Financial Service Providers will assess your risk profile and recommend the right cover. No obligation, no jargon — just clear specialist advice.