Coverage Feature Comparison
Side-by-side comparison of core policy features, financial strength, and NZ market presence across 6 specialist insurers.
| Coverage Feature | Chubb | AIG | Zurich | Berkley | Concordia | QBE |
|---|---|---|---|---|---|---|
| Best For | Large charities | Association liability | Asset-Heavy | NFP Specialist | NZ Charity Specialist | Liability |
| Financial Rating | A++Superior | AExcellent | A+Superior | A+Superior | AA−S&P Very Strong (Lloyd's panel) | A+Superior |
| Coverage availability | ✓ Available — typically included◐ On request — optional or endorsement? Ask broker — confirm for your org type— Not typically offered | |||||
| Core Cover | ||||||
| Public Liability | ✓Available | ✓Available | ✓Available | ✓Available | ✓Available | ✓Available |
| Trustee & D&O Liability | ✓Available | ✓Available | ◐On request | ✓Available | ✓Available | ?Ask broker |
| Volunteer Personal Accident | ✓Available | ?Ask broker | ✓Available | ✓Available | ✓Available | ✓Available |
| Professional Indemnity | ✓Available | ✓Available | ?Ask broker | ✓Available | ✓Available | ✓Available |
| Employers Liability | ✓Available | ✓Available | ✓Available | ✓Available | ✓Available | ✓Available |
| Statutory Liability | ✓Available | ?Ask broker | ✓Available | ✓Available | ?Ask broker | ✓Available |
| Asset Cover | ||||||
| Property & Contents | ✓Available | ?Ask broker | ✓Available | ✓Available | ✓Available | ✓Available |
| Event Cancellation | ?Ask broker | ?Ask broker | ✓Available | ?Ask broker | ✓Available | ✓Available |
| Fine Art & Collections | ✓Available | ◐On request | ?Ask broker | ?Ask broker | ◐On request | ?Ask broker |
| Specialty | ||||||
| Cyber Insurance | ✓Available | ✓Available | ?Ask broker | ?Ask broker | ?Ask broker | ✓Available |
| Crime / Fidelity | ✓Available | ✓Available | ?Ask broker | ✓Available | ◐On request | ?Ask broker |
| Management Liability | ✓Available | ✓Available | ?Ask broker | ✓Available | ?Ask broker | ?Ask broker |
| NFP Specialist Pricing | ?Ask broker | ?Ask broker | ?Ask broker | ✓Available | ✓Available | ?Ask broker |
Important: This comparison provides a general overview of insurer strengths and is not a substitute for personalised broker advice. Policy wordings, limits, sub-limits and premiums vary significantly by organisation type, size, and activities. Our licensed brokers will compare actual policy terms for your specific organisation — get a free quote to see tailored options.
Insurer Profiles
Detailed overview of each insurer's strengths, specialties, and ideal fit for your organisation type.
Chubb Insurance NZ
Large charities, D&O, Management Liability
Coverage Highlights
- ✓Best-in-class D&O wording
- ✓Broad management liability package
- ✓Strong claims support team
- ✓Global capacity for large risks
Best For
Large registered charities, foundations, healthcare trusts
AIG New Zealand
Association liability, professional indemnity
Coverage Highlights
- ✓Strong association liability product
- ✓Experienced PI claims team
- ✓Broad cyber add-on options
- ✓Competitive for professional orgs
Best For
Professional associations, incorporated societies, advice-based charities
Zurich NZ
Property, liability, package policies
Coverage Highlights
- ✓Competitive property cover
- ✓Strong package policy offering
- ✓Good for sports clubs with grounds
- ✓Solid event cancellation cover
Best For
Charities with buildings, equipment, and significant physical assets
Berkley Insurance
NFP specialist, management liability
Coverage Highlights
- ✓Specialist not-for-profit underwriting
- ✓Competitive for smaller charities
- ✓Strong management liability wording
- ✓Understands NFP risk profiles
Best For
Small to mid-sized charities, incorporated societies, community groups
Concordia Underwriting
Faith, charity, care, education — NZ specialist
Coverage Highlights
- ✓NZ specialist for faith and charity sector
- ✓Writes on Lloyd's of London paper (S&P AA−)
- ✓Tailored policy wording for charity activities
- ✓Deep knowledge of NZ charity landscape
Best For
Churches, faith orgs, schools, aged care trusts, community charities
QBE Insurance NZ
Liability, property, statutory
Coverage Highlights
- ✓Broad liability and property products
- ✓Strong statutory liability cover
- ✓Good for complex risk profiles
- ✓Solid for social service orgs
Best For
Social service providers, disability support, healthcare charities
Why Specialist Charity Insurers?
Generic commercial insurers price and assess not-for-profits using business frameworks that do not reflect actual charity risk profiles. Specialist charity underwriters have developed policy wordings and pricing models specifically for:
Faith and church communities with diverse activities
Sports clubs with volunteer injury and public liability exposure
Charities with trustee liability under the Incorporated Societies Act 2022
Aged care and health charities with clinical professional liability
Environmental groups working in remote or high-risk terrain
Arts organisations with irreplaceable collection assets
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Disclaimer: This is a general market overview only. It is not personalised financial advice. Our licensed brokers will assess your specific organisation and provide tailored recommendations in accordance with the Financial Markets Conduct Act 2013. CharityInsurance.co.nz may receive a referral fee when a policy is arranged through a recommended broker.
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