Incorporated Society Insurance
The Incorporated Societies Act 2022 introduced significant changes for the approximately 24,000 incorporated societies that operate across the country, with all existing societies required to re-register under the new Act by the 5 April 2026 deadline. The Act codifies officer duties — including duties of care, to act in good faith, and to avoid conflicts of interest — making committee members personally accountable in ways the old 1908 Act never did. Insurance that covers these new statutory exposures is no longer optional; it is a governance essential.
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Key Coverage Points
What your policy needs to address for this type of organisation and risk profile.
- 1
Officers & Directors (D&O) cover aligned with the new statutory officer duties under the IS Act 2022
- 2
Public liability for members, volunteers, events, and third parties
- 3
Cover for the personal liability of committee members who were previously unprotected under the 1908 Act
- 4
Employment practices liability for societies with paid staff
- 5
Property and equipment cover for clubrooms, gear, and leased premises
- 6
Legal defence costs cover — often the largest expense in any complaint or claim
What Matters Most for This Risk
Directors and Officers (D&O) liability — sometimes called Trustees and Officers cover for not-for-profit entities — is the cover most urgently relevant under the IS Act 2022. Officers of re-registered societies can now be held personally liable for breaching their statutory duties, even where they acted without personal financial gain. D&O policies cover the legal costs and damages arising from such claims, protecting committee members' personal assets. Given that most incorporated society committees are staffed by unpaid volunteers, personal exposure of this kind is a genuine deterrent to good governance participation — and the right D&O policy removes that barrier.
Why Use charityinsurance.co.nz?
Our broker panel has closely followed the IS Act 2022 changes and understands how the new officer duty provisions interact with D&O and professional indemnity policies. If your society completed re-registration before the April 2026 deadline, now is the right moment to review whether your insurance has kept pace with your new legal obligations. charityinsurance.co.nz makes that review straightforward — one form, multiple specialists.
Our Broker Panel
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Insurance by Organisation Type
Explore insurance information specific to the type of organisation you run.
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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.