Often, yes — even small groups usually need public liability before hiring a hall or running an event, and committee members can carry personal exposure regardless of the organisation’s size. The good news is that cover for small groups can be more affordable than most committees expect. It’s worth a conversation before assuming it’s out of reach.

Generally, no — workers compensation schemes cover employees, not volunteers. That’s why volunteer personal accident cover exists: it can help with things like loss of income and out-of-pocket expenses if a volunteer is injured while carrying out organisation activities. The right structure depends on your state and your activities, which we’ll walk through with you.

Yes — this is one of the most common reasons NFPs come to us. Send us the insurance clause from your funding agreement, lease or venue contract and we’ll arrange cover that meets it and provide the certificate of currency your funder or venue requires.

It depends on the policy — this is exactly the fine print worth checking. Association liability and management liability policies can extend to office bearers and committee members personally, but definitions and exclusions vary between insurers. We review the wording so you know precisely who’s protected and for what.

Often yes — one-off event cover exists for exactly this situation. Whether a single-event policy or an annual policy makes more sense depends on how much activity your organisation runs across the year; sometimes the annual option costs little more and covers everything else too. We’ll price both so you can decide.