Association Liability Insurance

Despite the non-profit or charitable nature of many associations, the risks they face have increased significantly in recent years. Many associations are now discovering that they can incur liability through the services that they provide to their members or to members of the public.

In an era of increased responsibility and accountability, members of association, boards of management or management committees carry personal responsibility and liability for their actions when they fail to act.

What it cover?

Association Liability Insurance is the solution that helps protect the association against legal liability which it may incur through the conduct of its activities or provision of services.

It provides cover for loss arising from any claim made against the Insured for any wrongful act or breach of professional duty, including defence costs and expenses.

Who may claim against Directors, Secretary, Officers, Trustee, Committee Members or Employees of an Association?

  • Employees – for employment related matters such as unfair dismissal
  • Regulatory authorities – investigation, inquiry by regulatory bodies such as IRB
  • Public – for misrepresentations made in advertising material
  • Members – for misleading statements or misstatement

What to do in the event of claim?

The insured shall give notice in writing to the insurance company immediately of any claim made against the Insured or the discovery by the Insured of any loss, or any circumstances of which the Insured becomes aware which are likely to give rise to such a claim or loss.

The insured shall not admit liability for or settle any claim or incur any costs or expenses in connection therewith without consent of the insurer.

How to obtain a quotation?

Clients should complete the Association Liability proposal form and provide their latest audited annual report.

If you have already completed your renewal form send it to us by fax 03-91332661 or email to

Or Call Patrick Low on 012-3737555 to see what we can do for you.