Get expert advice from an experienced trustee indemnity insurance broker

WRS Insurance Brokers are specialists in Charity Insurance and can help charities get the protection that their trustees need and deserve. We work closely with the UK’s leading specialist trustee liability insurance companies who understand the charity market and can provide trustee indemnity insurance with limits from £100,000 to £5 million, for both past and present trustees.

The duties and responsibilities of charity trustee liability are summarised in publication CC3 produced by the Charity Commission of England and Wales.

Expert advice and impartial support

Hundreds of charities and not-for-profits across the UK, of all sizes, trust us to offer them the impartial advice about trustee indemnity insurance that they need. We offer our clients face-to-face vists, where needed, so we can fully understand your needs and the risks you may face.

We build long-term relationships with our clients and pride ourselves on offering an expert, friendly service that is second-to-none.

Helping you find the best trustee indemnity insurance

Our experienced charity insurance team are passionate about the charity sector. Our own directors have many years’ experience as trustees, so we understand that the risks charities face can be incredibly varied and ever-evolving.

Anyone considering taking up the role of a charity trustee must be aware of their legal duties, responsibilities and potential liability.  Your trustees do incredible work, we’re here to help ensure they’re protected by appropriate charity trustee indemnity insurance.

Speak to our specialists today

Get in touch with our charity insurance team today to discuss your needs. We’ll take the time to understand the risks you face and help you get the right insurance quote for your organisation.

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Trustees of incorporated charities

If you are a trustee of an incorporated charity, you are treated in a comparable way to the company director and are generally not liable for the charity debts.

However, this may not be the case where a trustee has allowed the charity to continue to trade or incur credit and losses when it was clear that the charity could not avoid insolvency. The actual knowledge, skill and experience of the charity trustee will be considered. So, a higher standard of care will be applied to a professional trustee, such as a lawyer and accountant, than to a non-professional trustee.


If you are a trustee of an unincorporated charity you are at much greater risk of personal liability. Unincorporated charities have no separate legal personality and so the trustee will have contracted in their own name. Although a charity trustee will often be entitled to be indemnified out of the assets of the charity, the indemnity will be worthless if the charity is impecunious. Contractual provisions which seek to limit trustee liability to the value of the charity assets are generally effective but will not extend to liabilities incurred other than by contract.

See what people have to say about us

WRS Insurance have been dealing with our insurance since the start of the charity so have really been with us throughout the whole journey. What has been amazing for me is the real personal approach that’s taken. They really want to understand whop we are as a charity, the services we deliver and how they can help in the best way they can. Having a dedicated account manager to be able to talk through issues and make sure we had the cover we needed was absolutely vital. I think it’s important for charities like ours to know that we’re working with an insurance company that has such good ethical values.

Sarah Green
Chief Executive, The Katie Piper Foundation