Highlighting the importance of liability coverage, in relation to cyber risks and professional services, Cotton explained. “Cyber risks can go uninsured, even though many charities now hold sensitive data on employees, service users, and third parties,” she said. “Professional liability cover is another key area, particularly for charities providing professional services such as advice, guidance, or counselling. Without it, they could be exposed to claims of negligence that aren’t covered by public liability insurance. Trustee liability insurance also helps to protect trustees and senior staff from allegations in relation to their governance or financial management.”
