Compare Charity Insurance Providers
The charity insurance market is served by a number of specialist underwriters — including Chubb, AIG, Zurich, and Berkley — each with different policy wordings, exclusions, pricing models, and appetite for different types of organisations. Comparing them without expert guidance is time-consuming and easy to get wrong; a policy that looks cheaper at headline premium may have narrower cover, lower sub-limits, or tighter exclusions that only become apparent at claim time. A specialist broker compares the market on your behalf and presents options with transparent differences highlighted.
- 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.
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Chubb: strong D&O and management liability products with broad policy wordings
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AIG: comprehensive not-for-profit packages including cyber and employment practices
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Zurich: competitive public liability and property options for mid-to-large charities
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Berkley: specialist social services and aged care sector underwriting capacity
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Broker access to Lloyd's of London wordings for specialist or high-value risks
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Annual market reviews ensure your premium stays competitive as your organisation grows
What Matters Most for This Risk
Policy wording quality is the most important — and most overlooked — factor when comparing charity insurance providers. Two policies at similar premium levels can have dramatically different outcomes at claim time depending on how they define "occurrence," whether defence costs are inside or outside the limit of liability, and what prior acts coverage they provide for trustees who joined after a potential governance issue arose. A specialist broker reads the policy wordings side by side, not just the product comparison sheets, and can advise on which wordings offer materially better protection for your specific governance and operational risk profile.
Why Use charityinsurance.co.nz?
charityinsurance.co.nz connects you with Registered Financial Service Providers who have panel access to all major charity insurance underwriters — not just one or two preferred insurers. That means genuine market comparison, not a rebadged single-carrier product. Our brokers work on commission paid by the insurer, so there is no additional cost to you for the comparison service. Get a Quote to start the comparison process.
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.