Community Trust Insurance
Community trusts sit in an awkward gap in the insurance market. They are often larger and more complex than a volunteer group, running contracted services, employing staff, holding property and administering restricted grant funds — but they are not commercial businesses, and commercial policy wordings rarely reflect how they actually operate. The result is a programme assembled from mismatched parts, usually discovered at claim time.
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Key Coverage Points
What your policy needs to address for this type of organisation and risk profile.
- 1
Trustee liability cover for board decisions on contracts, property, employment and restricted funds
- 2
Public liability across every activity the trust runs, including services delivered in clients' homes
- 3
Employment practices liability — the cover that responds when a restructure follows a lost contract
- 4
Fidelity and crime cover sized to the restricted grant funds the trust actually holds
- 5
Property, contents and business interruption for owned or leased premises and community facilities
- 6
Run-off cover for claims-made policies when a contracted service ends or transfers to another provider
What Matters Most for This Risk
The exposure that catches community trusts hardest is change. A trust that wins or loses a government contract alters its headcount, its fleet, its premises and its liability profile in a single funding round, and the insurance programme almost never keeps pace. Two technical points do most of the damage. Professional indemnity and trustee liability are claims-made policies, so cancelling them when a service ends leaves years of past work uninsured unless run-off cover is arranged before the policy lapses. And employment practices cover — usually an extension with a sub-limit well below the main policy limit — is what funds the defence of personal grievance claims arising from a restructure, but only if it was in place before the restructure was known about. Alongside that sits the restricted-funds question: trusts holding grant money for specified purposes carry both a repayment exposure to funders and a fidelity exposure where segregation of duties is thin, and those are two different problems needing two different answers.
Why Use charityinsurance.co.nz?
charityinsurance.co.nz connects community trusts with Registered Financial Service Providers who place cover for multi-activity not-for-profits every week. Our brokers will map what the trust actually does — contracted services, property, grant programmes, employed staff, volunteers — against the policies currently in place, and tell you where the seams are. Get a Quote and a specialist will be in touch within one business day.
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.