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Product and services

Insurance for not-for-profits and charities

Protect your not-for-profit organisation with insurance that is easy to understand – and easy to access.

What is not-for-profit insurance?

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Understanding your options

Operating a not-for-profit exposes you to multiple risks. With the right insurance, you can continue serving your community with peace of mind.

Liability limit

We can arrange up to $20 million coverage limits for public and products liability, with optional extensions. Let us arrange the right cover for your needs – so you can focus on the community’s.

Directors and officers (D&O)

We can arrange up to a $5 million liability limit for incidents caused by your board members and administration – or by your community group’s activities.

Volunteer workers

We can arrange cover for volunteer workers so they are protected if they sustain an injury while working for your club or community group – with up to $150,000 in death benefits.

Repairs and replacements

In the event of theft or damage, business property and contents insurance can provide repair and replacement coverage for your buildings, fixtures, equipment and contents.

Typical exclusions

Some events will not be covered under your insurance policy. General exclusions for not-for-profit insurance vary from provider to provider.


Fewer insurers are providing abuse cover in recent years. To understand what cover is available and best suited for your not-for-profit organisation, speak to our team of experienced Marsh brokers today.

Business activities

There are many types of not-for-profit organisations across sectors and industries. This means the risk exposures can differ greatly, depending on your activities. Speak to a Marsh broker to find out more.

Key product highlights

Financial cover

Protect your organisation against financial losses and legal costs as a result of third-party injury claims, or fraud committed by an employee.

Coverage across industries

From charities to community service, we can help you stay protected so you can keep meeting the community’s needs.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Broad cover

We leverage our broad network to offer you a wide range of coverage with minimal exclusions. This means we can help cover some of the risks other brokers won’t.

Proven service quality

We’re committed to delivering the best service and solutions to our clients – many of whom keep returning due to the top-notch experience they’ve had with Marsh.

Risk consultation

The Marsh team is dedicated to helping not-for-profits like you. Beyond our expert insurance brokerage, we can also work with you directly to help avoid, reduce and control your risks.

Related insurance solutions

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Business vehicle cover

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Business insurance

Looking for specialist expertise? Our brokers will tailor business cover for you – no matter your industry.


Frequently asked questions

We cover a wide range of not-for-profit, charity and voluntary organisations.

These include community radio groups, not-for-profit disability carers, and NDIS providers.

Speak to a Marsh broker today to find out more about the insurance solutions we can arrange for you.

Because not-for-profits can span sectors and industries, the insurance you need will vary depending on your organisational activities.

If your business activities bring you into contact with the public, you ought to consider public liability to protect you against third-party injury and property damage claims.

To understand more about the policies you may need, speak to a Marsh broker today.

The cost of your insurance will depend on several factors – including your organisation size, revenue and services provided.

You can request a call back to speak to a Marsh advisor for a clearer picture.

Yes. If your not-for-profit group meets certain criteria, we can arrange monthly instalments* through premium funders.

To request monthly payments, please contact our team.

Our Claims team will guide you through this process. When you need support, we’ll arrange everything for you – including liaising with your insurer.

It depends on how frequently your organisation changes.

Major changes – such as organisation growth, greater work complexity or expanded services – should always prompt an insurance review.

As a rule of thumb, we recommend you review your policy every year to ensure your organisation is covered for its current risk exposures.

*Interest and additional fees are applicable. Terms and conditions apply.

LCPA 23/154

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.