Trustee Liability Insurance Ireland

Protection for key personnel in not-for-profits.

Trustee liability insurance provides cover to the leaders, trustees or key employees of charities, non-profits and not-for-profit organisations.

Established in 1993.

Over 100 years' experience.

10 dedicated team members.

Over 1,000 Irish customers served.

Trustee Liability Insurance

If your job puts you in the public eye or a position of high responsibility, the possibilities of negligence allegations or being investigated by the Charity Commission can come with the territory.

Trustee liability insurance is designed to protect the trustees, directors, governors, committee members and officers of a charity, club, association or not-for-profit organisation if they are accused of a wrongful act, such as:

  • Breach of fiduciary or statutory duty
  • Negligence
  • Wrongful trading
  • An error or omission

A trustee liability insurance can help when defending or settling a wide range of claims, protecting you against fines and compensation claims as well as legal costs that may arise.

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    Trustee liability insurance typically covers you for:


    Investigations by public bodies such as the Charity Commission including support if an insured person’s assets are seized.

    Health and safety

    Health and safety issues including corporate manslaughter cases.

    Tribunals and disputes

    Employment tribunals and disputes.


    Complaints relating to your administration of pension funds and employee benefits schemes


    Charges related to breaches of duty or trust as well as negligence or defamation.

    Reputational damage

    Support with certain public relations costs to minimise the impact on the organisation.

    Trustee Liability Insurance - ERM Financial Services

    Why choose ERM Financial Services for Trustee Liability insurance?

    Service, expertise, advice and competitive quotes that you can rely on, since 1993.

    • Tailored Insurance Products
    • Competitively Priced
    • Dedicated Account Manager
    • Over 100 Years Experience

    Do I need trustee liability insurance?

    If you are responsible for overseeing the work of a charity or similar organisation then you might need trustee liability insurance, regardless of whether your title is ‘trustee’ or something else.

    Charity leaders can be held personally liable for mistakes in leadership. This risk may be higher for trustees of unincorporated charities however any charity leader can face personal legal action in relation to their role.

    Trustee liability insurance protects people who are responsible for a charity’s decisions and could face personal losses by nature of this close relationship. It can also minimise the impact on the public as well as the non-profit organisation they serve.

    If an employee or volunteer is injured, trustees may be held liable. Should these circumstances arise due to a breach of the Corporate Manslaughter and Homicide Act, or the Health and Safety at Work Act (external link), insurance could become an important consideration.

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      Speak to an experienced insurance broker today about safeguarding your business.