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Insurance Details
Faith & Not-for-Profit Organisations Insurance is designed to protect religious institutions, charities, and community organisations against financial loss arising from their activities, operations, governance responsibilities, and community engagement.
It provides tailored protection for property, liability, people, and management risks, helping organisations fulfil their mission with confidence while meeting governance, regulatory, and duty-of-care obligations.
Whether your organisation operates a place of worship, community centre, charity, or volunteer-based program, Faith & Not-for-Profit Insurance is a fundamental protection for Australian faith-based and community organisations.
Cover Sections / Benefits Covered
Q&A – Common Questions
Faith and NFP organisations face unique risks, including volunteer exposure, public gatherings, pastoral care responsibilities, governance obligations, and reputational sensitivity.
Standard commercial policies often do not adequately address these risks.
Yes. Policies can include Personal Accident cover and liability protection for volunteers while performing authorised activities.
Absolutely. Board members and office bearers can be held personally liable for governance, employment, and regulatory decisions—even in unpaid roles.
Professional Indemnity cover can be structured to respond to claims arising from counselling, pastoral advice, and support services, subject to proper disclosure and policy terms.
Many faith and community organisations are required by regulators, governing bodies, or landlords to carry abuse and molestation liability cover as part of safeguarding obligations.
Faith and NFP policies vary significantly in exclusions, duty-of-care requirements, volunteer definitions, and claims handling.
As your broker, FRS helps you:
• Understand and disclose your activities accurately
• Structure appropriate protection for volunteers, members, and leaders
• Align insurance with governance and safeguarding frameworks
• Compare specialist insurers and policy wordings
• Act as your advocate if a sensitive claim or incident arises
Faith & Not-for-Profit Organisations Insurance is not just about compliance—it is about protecting your mission, your people, and the community you serve.