Best trustee indemnity insurance UK: the six providers worth a quote in 2026

Strengths

• Online quote-and-buy that works for charities up to roughly £500k income — no broker phone call required.
• Underwritten by A-rated panel led by Ansvar (Benefact) and Hiscox. Quality of paper is not compromised by the digital channel.
• Visible refer-a-friend reward scheme and a generally trustee-friendly content presence — they answer the awkward questions in writing.
• Useful supporting covers (PI, PL, EL, cyber) available through the same buying flow if you need to consolidate.

Watch-outs

• Online journey caps out around the £500k income mark — larger charities will need a broker conversation.
• Doesn't deeply specialise in any single sub-segment (faith, heritage, advice, safeguarding-heavy work).

Strengths

• From £3 per month for a small CIC or charity with £500k of professional indemnity + trustees' liability. Genuinely accessible price point.
• 200,000+ direct customers across all books. Real claims experience in the charity sector.
• Bundles PI with TII — the natural pair for any advice, training or membership organisation.
• Lloyd's-backed (Syndicate 3000). A-rated capacity behind a digital-first price.

Watch-outs

• The £3/month headline price is the smallest profile only — typical charities pay more once activity and income are declared.
• TII limit defaults are modest at the entry tier. Negotiate up if you have paid staff or significant assets.

Strengths

• Online product from £56/year for the package — most transparent published price for an entry-level charity policy.
• Includes £2m public liability + £100k libel/slander as standard. Trustee indemnity is the natural uplift.
• Zurich brand and balance sheet — A-rated, widely accepted by funders and local authorities.
• NCVO-endorsed trusted supplier — useful credibility for charity clients answering grant funder questions.

Watch-outs

• TII is an uplift rather than a standalone product — fine for most, but limits worth checking against your activity profile.
• Online product caps at £100k income; above that, broker quote.

Strengths

• Six-year run-off cover for retired trustees included as standard — matches the standard civil claim limitation period.
• Limits £250k–£5m; lost-document cover to £50k.
• Distributed via Access Insurance and a wider broker network including SEIB, Lycetts and Lloyd & Whyte (all part of Benefact Broking and Advisory Holdings).
• Charitable ownership (Benefact Trust) is meaningfully different from the other names on this list — relevant for trustees who care about where premium pounds go.

Watch-outs

• Broker-only distribution. No online direct journey.
• Pricing rarely the cheapest for a non-faith, non-listed organisation — the value is in the wording for the specific niche.

Strengths

• Publishes a transparent starting price (from £198/year or £16.50/month) — rare in this market and useful as a benchmark even if you buy elsewhere.
• Broker route via the WTW network — access to multiple underwriters via one application.
• Strong content presence answering practical trustee questions. Treats the policy as a charity-trustee product, not a generic SME-D&O bundle.

Watch-outs

• Standalone TII is rarely the cheapest path overall — bundling at PolicyBee or Markel often beats it on total spend.
• Broker-channel, so no instant online buy.

Strengths

• Trustees' indemnity included as a section of the Charity Protect wording — not an afterthought.
• Ansvar paper accepted across the charity sector; the ethical/sector-aligned brand reads well to grant funders.
• Smaller premium than commercial-D&O alternatives because the wording is matched to the smaller-charity risk profile.

Watch-outs

• Outside the published target profile (sub-£100k income, sub-£500k assets, sub-100 volunteers), pricing is less competitive.
• Broker channel for the standard product — Charity Protect online is the entry point.