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Trustee Indemnity Insurance

If you are a PCC trustee, you make a real difference to your local church – taking responsibility for making sure the PCC is run properly and uses its charitable funds and assets wisely and ultimately, for making sure it delivers on its charitable objectives.

PCCs are recognised as charities and as such their members are acknowledged as trustees, but what if the trustees don’t meet some or all of those duties and responsibilities?

When might we need this cover?

It could be anything from a breach of authority on the trustees’ part, or an omission by an individual trustee, even neglect, or maybe a misleading – perhaps libellous or slanderous – statement issued by the Board of Trustees.

What cover do we have?

To help protect you, your church insurance cover automatically provides you with Trustee Indemnity insurance cover. This provides cover for liability claims arising from a wrongful act by a trustee, including the cost of defending such claims – which can be significant. It provides you with piece of mind that as long as you have acted lawfully and with a duty of care, you should be covered.

In summary, trustee indemnity insurance directly protects an individual trustee, rather than a charity or PCC itself, and protects trustees from personally having to pay legal claims made against them for any breach of trust or duty of negligence/care (but excluding reckless or wilful wrongdoing).  For more information call our customer services team on 0345 777 3322.

Being a trustee – your role and responsibilities

Most churches are 'excepted' from charity registration. This just means they don't have to register with the Charities Commission or submit annual returns. Apart from that, churches are still regulated just like registered charities and the Charities Commission can use any of their powers if they need to. Visit their website to find out more.

Ecclesiastical Insurance Group plc (EIG) Reg No 1718196. Ecclesiastical Insurance Office plc (EIO) Reg No 24869. Ecclesiastical Life Ltd (ELL) Reg No 243111. Ecclesiastical Financial Advisory Services Ltd (EFAS) Reg No 2046087. Ecclesiastical Underwriting Management Ltd (EUML) Reg No 2368571. E.I.O. Trustees Ltd Reg No 941199. EdenTree Investment Management Ltd (EIM) Reg No 2519319. All companies are registered in England at Beaufort House, Brunswick Road, Gloucester GL1 1JZ. EIO and ELL are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 113848 (EIO) and 110318 (ELL). EFAS and EIM are authorised and regulated by the Financial Conduct Authority. Firm Reference Number 126123 (EFAS) and 527473 (EIM). EUML is an appointed representative of EIO who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 402228.