Tailored insurance protecting charities, community groups and volunteer organisations against liability, property and operational risks.
Not-for-Profit (NFP) / Charity Insurance provides comprehensive protection for organisations against operational, liability, property and volunteer-related risks. Unlike standard commercial insurance, these policies are designed to reflect the unique structure, funding and activities of charitable and community-focused organisations.
Cover helps protect your people, assets and reputation from unexpected events that could disrupt programs, harm beneficiaries or impact donor confidence. Policies can be structured to combine multiple covers under a single, cost-effective package.
This insurance is commonly arranged by:
Covers claims for injury or property damage arising from activities, programs or events.
Covers volunteers for injury or illness while performing duties, complementing Workers’ Compensation.
Covers buildings, equipment, stock and fundraising materials against insured events.
Covers liability arising from advice, services or programs delivered by the organisation.
Covers risks associated with fundraising events, community activities and initiatives.
Combines core covers—such as public liability, property, volunteer personal accident, and management liability—under one annual policy, tailored to the governance and operational risks of not-for-profits.
Separate policies arranged by activity or exposure, allowing organisations to select relevant covers and adjust limits as they grow or diversify.
Structure depends on organisation size, activities, volunteer involvement, property ownership and public interaction.
Protects organisations from unexpected claims and losses
Ensures volunteers and beneficiaries are protected
Covers legal defence and regulatory exposure
Supports financial stability and program continuity
Helps maintain donor, community and stakeholder trust
Speak with a broker who understands charity and community risk.
Get My Not-for-Profit Insurance QuoteImportant: Not-for-Profit / Charity Insurance coverage, limits and exclusions vary significantly between insurers. Intentional or criminal acts, pre-existing claims and unendorsed commercial activities are excluded. Advice from an insurance broker is recommended to ensure coverage aligns with your organisation’s structure, activities and volunteer involvement.