Trustees & Charities

Trustees of NZ charitable trusts, incorporated societies, and not-for-profit organisations have the same legal duties as company directors — but often less access to professional legal advice. Under the Incorporated Societies Act 2022 and Charities Act, trustees can face personal liability for governance failures, employment disputes, and mismanagement of funds. D&O insurance for charitable trustees is affordable and essential.

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Key Risks for Trustees & Charities

⚠Personal liability for governance failures
⚠Employment disputes with paid staff
⚠Mismanagement of charitable funds
⚠Regulatory requirements under the Charities Act
⚠Incorporated Societies Act 2022 obligations

Recommended Cover

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Directors & Officers (D&O)

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Management Liability

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Trustees & Charities — FAQs

Yes. Charity trustees have the same personal liability exposure as company directors. Many charities are unaware of this risk. D&O cover for not-for-profits is typically very affordable.

Absolutely. Premiums for small charitable trusts can be as low as $500–$800/year for meaningful cover. It is one of the most cost-effective protections a charity can have.

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Speak to a specialist who understands your exact situation as a trustees & charitie.

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