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National Risk Protection Program

Community Australian Football

Marsh has developed a National Risk Protection Program, this page contains information for Community Clubs, Players, Masters, Umpires and Representative Football.

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Program Summary

The National Risk Protection Program is made up of multiple protection products. Further information about the Program is available here.

Different types and levels of cover apply depending on your club, your playing level, the competition in which you participate and/or how you participate your role.

National Risk Protection Program : What’s Covered

Personal Injury

Community Participants
Default Cover level for affiliated members (excluding masters) is Bronze Level, upgrades to Silver, Gold, or Platinum are available. Please contact your club or Marsh for clarification on whether your base level of cover has been upgraded.

Bronze

  • Non Medicare Medicals

    60% Reimbursement

  • Reimbursement Limit

    $2,000 max per claim

  • Excess

    $100 excess per claim

  • Capital Benefits

    $100,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Silver

  • Non Medicare Medicals

    75% Reimbursement

  • Reimbursement Limit

    $2,500 max per claim

  • Excess

    $75 excess per claim

     

     

     

  • Capital Benefits

    $150,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Gold

  • Non Medicare Medicals

    90% Reimbursement

  • Reimbursement Limit

    $3,500 max per claim

  • Excess

    $50 excess per claim

  • Capital Benefits

    $200,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Platinum

  • Non Medicare Medicals

    90% Reimbursement

  • Reimbursement Limit

    $7,500 max per claim

  • Excess

    $50 excess per claim

  • Capital Benefits

    $250,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Upgrade from

Upgrade from

Per senior / Reserve team

Per Junior team

Bronze to Silver

$366.98

$58.89

Bronze to Gold

$613.86

$92.92

Bronze to Platinum

$831.84

$125.62

Silver to Gold

$288.44

$77.21

Silver to Platinum

$506.43

$107.31

Gold to Platinum

$274.58

$75.90
Representatives Football
Default Cover level for Representative Football Participants is Platinum.

Platinum

  • Non Medicare Medicals

    90% Reimbursement

  • Reimbursement Limit

    $7,500 max per claim

  • Excess

    $50 excess per claim

  • Capital Benefits

    $250,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum
Umpires
Default Cover level for all affiliated members is Bronze Level, upgrades to Silver, Gold, or Platinum are available.

Bronze

  • Non Medicare Medicals

    60% Reimbursement

  • Reimbursement Limit

    $2,000 max per claim

  • Excess

    $100 excess per claim

  • Capital Benefits

    $100,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Silver

  • Non Medicare Medicals

    75% Reimbursement

  • Reimbursement Limit

    $2,500 max per claim

  • Excess

    $75 excess per claim

     

     

     

  • Capital Benefits

    $150,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Gold

  • Non Medicare Medicals

    90% Reimbursement

  • Reimbursement Limit

    $3,500 max per claim

  • Excess

    $50 excess per claim

  • Capital Benefits

    $200,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Platinum

  • Non Medicare Medicals

    90% Reimbursement

  • Reimbursement Limit

    $7,500 max per claim

  • Excess

    $50 excess per claim

  • Capital Benefits

    $250,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Upgrade from

Upgrade from

Per senior / Reserve team

Per Junior team

Bronze to Silver

$366.98

$58.89

Bronze to Gold

$613.86

$92.92

Bronze to Platinum

$831.84

$125.62

Silver to Gold

$288.44

$77.21

Silver to Platinum

$506.43

$107.31

Gold to Platinum

$274.58

$75.90
Masters Football
Masters Football do not have automatic cover and must elect to opt in to cover.
Two Levels of cover are available under this section of the program, Teams/Leagues can elect to upgrade to Bronze or Silver.

Bronze

  • Non Medicare Medicals

    60% Reimbursement

  • Reimbursement Limit

    $2,000 max per claim

  • Excess

    $100 excess per claim

  • Capital Benefits

    $100,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Silver

  • Non Medicare Medicals

    75% Reimbursement

  • Reimbursement Limit

    $2,500 max per claim

  • Excess

    $75 excess per claim

     

     

     

  • Capital Benefits

    $150,000

  • Quadriplegia/Paraplegia Benefit

    $1,000,000 Maximum

Public Liability Insurance

selected option

Who's Covered?

Including but not limited to Affiliated Associations, Clubs, Members, Players, Coaches, Umpires, Officials, Volunteers, Runners, Committees, Club Trainers and Administration Personnel.

General & Products Liability

$100,000,000 Cover Limit, $1,000 Excess.

*Sub-Limits apply

Errors & Omissions

(Also referred to as Professional Indemnity)

$5,000,000 Cover Limit, $1,000 Excess

Annual Coverage

Management Liability Insurance

selected option

Who's Covered?

Including but not limited to Affiliated Associations, Clubs, Members, Players, Coaches, Umpires, Officials, Volunteers, Runners, Committees, Club Trainers and Administration Personnel.

Insurer

AIG Australia Limited 

Directors & Officers

Employment Practices

Employee Theft

Annual Coverage

Asset Protect

selected option

Base level Cover

Base Level Cover is automatically provided for affiliated Community Football Clubs in Victoria, ACT, NSW, Tasmania, WA and Queensland for their declared club location/s. This does not include Leagues, Associations, Independent Masters Clubs or Clubs in SA/NT who will need to contact JLT Risk Solutions Pty Ltd and apply for Asset Protect separately.  For more information on the cover and whether your club has declared its club location, or if your Club would like to declare additional Locations please contact Marsh.

Upgrade Cover

Total Cover Limit

  • $20,000 total cover limit per claim
  • The standard claims excess is $250*

* Higher excesses may apply. Please review the Policy Wording for further detalls.

Material Damage & Business Interruption

  • Maximum $20,000 any one claim
  • Excludes Building

Burglary or Theft

  • Limited to $1,000 for money on premises outside open hours

Money

  • Limited to $1,000 for money on premises outside open hours

General Property

  • Limited to $2,000 for laptop computers

Computer Electronic Equipment Breakdown

  • Limited to $1,500

Machinery Breakdown

  • Limited to $1,500

Base level Cover

Base Level Cover is automatically provided for affiliated Community Football Clubs in Victoria, ACT, NSW, Tasmania, WA and Queensland for their declared club location/s. This does not include Leagues, Associations, Independent Masters Clubs or Clubs in SA/NT who will need to contact JLT Risk Solutions Pty Ltd and apply for Asset Protect separately.  For more information on the cover and whether your club has declared its club location, or if your Club would like to declare additional Locations please contact Marsh.

Upgrade Cover

Total Cover Limit

  • $20,000 total cover limit per claim
  • The standard claims excess is $250*

* Higher excesses may apply. Please review the Policy Wording for further detalls.

Material Damage & Business Interruption

  • Maximum $20,000 any one claim
  • Excludes Building

Burglary or Theft

  • Limited to $1,000 for money on premises outside open hours

Money

  • Limited to $1,000 for money on premises outside open hours

General Property

  • Limited to $2,000 for laptop computers

Computer Electronic Equipment Breakdown

  • Limited to $1,500

Machinery Breakdown

  • Limited to $1,500

Base level Cover

Base Level Cover is automatically provided for affiliated Community Football Clubs in Victoria, ACT, NSW, Tasmania, WA and Queensland for their declared club location/s. This does not include Leagues, Associations, Independent Masters Clubs or Clubs in SA/NT who will need to contact JLT Risk Solutions Pty Ltd and apply for Asset Protect separately.  For more information on the cover and whether your club has declared its club location, or if your Club would like to declare additional Locations please contact Marsh.

Upgrade Cover

Total Cover Limit

  • $20,000 total cover limit per claim
  • The standard claims excess is $250*

* Higher excesses may apply. Please review the Policy Wording for further detalls.

Material Damage & Business Interruption

  • Maximum $20,000 any one claim
  • Excludes Building

Burglary or Theft

  • Limited to $1,000 for money on premises outside open hours

Money

  • Limited to $1,000 for money on premises outside open hours

General Property

  • Limited to $2,000 for laptop computers

Computer Electronic Equipment Breakdown

  • Limited to $1,500

Machinery Breakdown

  • Limited to $1,500

Travel Insurance

selected option

Community Participants

Community participants do not have automatic travel cover included under the NRPP, Marsh are able to facilitate tailored cover to suit your needs please contact us for assistance if required.

Contact us

Who's Covered?

Travel Coverage is included for  Participants (including officials/umpires) of representative games.

Death and Capital Benefits

  • Cover up to $100,000
  • $100 excess

Baggage and Computers

  • Cover up to $5,000
  • $250 excess

Money

  • Cover up to $1,000
  • $100 excess

Personal Liability

  • Cover up to $5,000,000
  • $100 excess

Umpires

Umpires do not have automatic travel cover included under the NRPP, Marsh are able to facilitate tailored cover to suit your needs please contact us for assistance if required.

Contact us

Masters Football

Masters do not have automatic travel cover included under the NRPP, Marsh are able to facilitate tailored cover to suit your needs please contact us for assistance if required.

Contact us
Product Icon

Asset Protect

A business package solution to help protect your clubs assets from fire, theft, damage and more.

  • Damage for contents and/or building cover

    (e.g. fire or storm damage)

  • Burglary / Theft
  • Business interruption cover

    (e.g. loss of gross profits)

  • Money cover

    (e.g. canteen takings stolen)

  • General property cover

    (e.g. property in transit)

  • Glass cover

    (e.g. broken window)

  • Machinery breakdown cover

    (e.g. canteen fridge)

Learn more
Product Icon

Personal Injury & Loss of Income Cover

Provides cover for Non-Football Related Income only (i.e. income earned from full-time, part-time or casual employment).

  • Personal Injury Cover

  • Non-Medicare Medical Cover*
  • Capital Benefit Cover**
  • Quadriplegia/ Paraplegia Benefit

  • Income Loss Cover

    + Reimbursement for either 80% of the injured person’s net weekly income or the maximum amount per week as purchased by the player + Coverage is for a maximum of 52 weeks

     

     

Learn more

*Examples include: Ambulance, Physio, Dental, Chiro, and Private Hospital Accommodation.

**Capital Benefit sum in the event of an under 18 death is restricted to 20% of the applicable maximum payout of each level.

Personal Injury Cover

Accidents. We never see them coming. But you can be better prepared with the right cover. Personal Injury cover is designed to offer some peace of mind to members, participants and volunteers of an organisation by having protection for non medicare medical costs related to an injury sustained whilst involved in a covered activity.

What's generally covered?

  • Physio
  • Chiro
  • Dental
  • Ambulance transport
  • Private hospital

What's generally NOT covered?

  • Doctor’s Fees
  • Surgeon’s Fees
  • Anaesthetist’s Fees
  • X-rays
  • Public hospital costs
  • MRI Scans

When does Personal Injury cover apply?

  •  An official match or training session
  •  Travelling to and from an official club activity
  •  Participation in an official club function
  •  Tours or representative matches

Your claim may be affected if you

  • Play against medical advice
  • Have a pre-existing injury
  • Are under the influence of alcohol or drugs
  • Are involved in a criminal act
  • Have a pre-existing illness or disease (i.e. cancer, heart condition)

Complete the Match Day Checklist

A pre-match inspection tool for evaluating potential injury and accident causes on and around the player and public areas. Designed to introduce and improve risk management processes, it allows Club Officials to identify safety concerns and record any actions required to address these concerns.

  • Pre-formatted checklist.
  • Submit a checklist electronically.
  • Guidelines to help identify and address hazards.

Complete Checklist

Sign up to COC Portal

Join Australia’s growing football community in the National Risk Protection Program. Sign up now to unlock your club’s Certificate of Currency.

Find Out More

Frequently Asked Questions

Any club/league/association can choose to upgrade one or all components of the Personal Injury cover. Most upgrade options are available on a per team basis with the exception of Loss of Income cover, which can be purchased by individual members.

When it comes to reimbursement of personal injury claims, some people get confused about Medicare and what is covered through the National Risk Protection Program.

Medicare is a Commonwealth Government program that provides eligible Australian residents with free or low-cost medical and hospital care.

The Personal Injury cover does include some non-Medicare medical expenses such as physiotherapy, chiropractic, dental, ambulance transport and private hospital accomodation.

Personal Injury cover under the National Risk Protection Program is not private health insurance or life insurance.

This means that any charges for treatment from a doctor, surgeon, anaesthetist or surgeon's assistant are not covered. It also means charges for x-ray, some MRI scans (if Medicare registered) and public hospitals are not covered under the National Risk Protection Program.

The type of protection covered under Personal Injury cover may include:

  • Capital Benefits – provides cover in the event of death or permanent disability.
  • Non-Medicare Medical Benefits – provides reimbursement for items that are not claimable in any way through Medicare. Due to legislation, this does not include the Medicare Gap.
  • Loss of Income cover – (where included) provides reimbursement of a claimant’s weekly income.

It is strongly recommended that all players investigate their personal insurance needs. Players should consider the benefits of:

  • Private Health Insurance
  • Life Insurance
  • Ambulance Recommendations

If you need more information about the Personal Injury cover, please contact JLT Risk Solutions Pty Ltd.

Forms and Documents
General
Public and Products Liability
Personal Accident
Asset Protect
Corporate Travel
Management Liability

Still have questions?

For general enquiries please contact us and one of our friendly team members will be in touch.

Contact us

The Discretionary Trust Arrangement is not an insurance product, because one element of the Arrangement involves the Trustee’s absolute discretion whether or not to pay a Claim and how much to pay. The Discretionary Trust Arrangement is a Managed Investment Scheme made up of two parts: The Scheme Cover and The Insurance Cover.

The Discretionary Trust Arrangement was established to help manage the Members’ risk of personal injury. For more information please read the Australian Football National Risk Protection Program Discretionary Trust Arrangement Product Disclosure Statement.

The Asset Protect and Personal Injury covers are each provided through a Discretionary Trust Arrangement. Each 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”). The cover provided by the Discretionary Trust Arrangements is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges and provides any advice in relation to general insurance products (i.e. not the Discretionary Trust Arrangement) and is not the insurer.

Marsh, JGS and JLT are part of the Marsh McLennan group of companies and remunerated for the services they provide including though commission from insurers and/or fees charged to product holders. Ask us for more details before we provide you with any services (you can contact us on +61 2 8864 8888).

This page contains general information and does not take into account your individual objectives, financial situation or needs. You should consider these and the product terms before making a decision about a product. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements. These are available on request from Marsh (in respect to general insurance policies) and JLT (in respect to the Discretionary Trust Arrangements). The Target Market Determinations for the Discretionary Trust Arrangements are available at Target Market Determinations | Marsh.

LCPA 24/067