Community groups and trusts are the connective tissue of New Zealand society — from neighbourhood associations and community halls to local philanthropic trusts. They're typically volunteer-run, budget-constrained, and often underinsured. Getting the right cover protects the people who give their time, the communities they serve, and the assets they steward.
✍️ The CharityInsurance Crew — your friendly insurance geeks · Updated May 2026
Key Risks for Community Groups
Public injury at community events and premises
Trustee personal liability for governance decisions
Property damage to community halls and assets
Volunteer accident and injury
Theft by employees or volunteers
Employment disputes with any paid staff
Recommended Cover for Community Groups
Public Liability
Trustee / Association Liability
Property & Contents
Volunteer Personal Accident
Employers Liability
Crime / Fidelity
Event Liability
Cover requirements vary by organisation size and activities. A broker will tailor the right mix.
How Claims Work
Contact Your Insurer First
In any incident, your first call should always be to your insurer — not your broker, not your lawyer. They activate the response.
Broker Advocates for You
Your broker steps in to manage communication, paperwork, and timelines on your behalf throughout the claims process.
Assessment & Investigation
The insurer assesses the claim. For liability claims this may include legal investigation; for property claims, a loss adjuster.
Settlement & Recovery
Once the claim is assessed and agreed, payment is made. Your broker follows up until the matter is fully resolved.
30,000+
Community organisations in NZ
Billions
In community assets to protect
Most
Community groups are underinsured