With over 29,000 registered charities in New Zealand, the sector delivers vital services to communities every day. But charitable status doesn't protect your trustees, staff, or volunteers from personal liability — and it won't replace your assets if disaster strikes. Specialist charity insurance fills that gap.
✍️ The CharityInsurance Crew — your friendly insurance geeks · Updated May 2026
Key Risks for Charities
Trustee personal liability for governance decisions
Public injury at fundraising events
Volunteer accidents not covered by ACC
Data breaches of donor and beneficiary records
Employment disputes with paid staff
Property damage to premises and equipment
Recommended Cover for Charities
Trustee Liability / D&O
Public Liability
Volunteer Personal Accident
Employers Liability
Cyber Insurance
Property & Contents
Professional Indemnity
Statutory 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.
29,208
Registered charities in NZ
1.2M
NZ volunteers
$0
Personal protection without D&O cover