marsh
The level of personal injury cover can vary depending on the cover option selected by your club.
50% Reimbursement
$2,000 max. per claim
$100 excess per claim
$100,000** maximum
$1,000,000 maximum
75% Reimbursement
$2,500 max. per claim
$75 excess per claim
$150,000** maximum
$1,000,000 maximum
90% Reimbursement
$3,500 max. per claim
$50 excess per claim
$200,000** maximum
$1,000,000 maximum
90% Reimbursement
$7,500 max. per claim
$50 excess per claim
$250,000** maximum
$1,000,000 maximum
*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.
A business package insurance solution to help protect your clubs assets from fire, theft, damage and more.
(e.g. fire or storm damage)
(e.g. loss of gross profits)
(e.g. canteen takings stolen)
(e.g. property in transit)
(e.g. broken window)
(e.g. canteen fridge)
Provides cover for Non-Football Related Income only (i.e. income earned from full-time, part-time or casual employment).
Personal Injury Insurance
Income Loss Insurance
We back you at home and away. Whether you’re travelling solo or on family holiday, we’ve got you covered.
*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.
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.
Umpiring Associations and Representative Teams can also choose to upgrade their Personal Injury Cover (one upgrade option only).
Public Liability insurance is designed to help protect clubs if a third party claims they have suffered a serious injury or their property has been damaged due to the clubs alleged negligent activities. It can protect you against the financial risk of being found liable to a third party for death or injury, loss of a damage to property or ‘pure economic’ loss resulting from your negligence.
When it comes to reimbursement of personal injury cover claims, some people get confused about Medicare, the Medicare Gap and what is covered through the Australian Football National Risk Protection Program.
The Health Insurance Act 1973 (Cth) strictly prohibits any general insurer from covering any item that is listed on the Medicare Benefits Schedule. This also means that regardless of your out of pocket expenses, it is against the law for an insurer to cover you for the Medicare Gap.
If your medical or other treatment does not have a Medicare Item Number, you may claim for reimbursement under the Australian Football National Risk Protection Program.
A new insurance product created by Marsh*, in conjunction with the AFL and your State League/Association, providing very important cover for your club’s property and assets.
By utilising the collective purchasing power of over 2,000 clubs and leagues, it is estimated that the annual savings for Australian Football are well over $2 million (compared to clubs and leagues seeking to replicate this cover themselves).
Sharing Assets? No problem
For football clubs who share the same club rooms and equipment, please note:
If your club shares the building with a separate sport, each club needs to take out individual coverage. Many sports including Netball, Cricket, Football (Soccer) etc., are also beneficiaries via Marsh and can gain access to the Asset Protect product.
The same way you currently pay for your national program insurance. This does not include Asset Protect upgrades, speak to Marsh to arrange.
Check with your League or State body if you are not aware of the arrangements.
When you give your time and energy to a club, you want to make certain you’re not risking your personal or the organisation’s financial security. Therefore, a Management Liability insurance policy can help provide protection for you and the organisation in the event of legal action if sued for:
A Management Liability policy has important exclusions that you should be aware of including but not limited to:
Don’t Forget!
Management Liability insurance is ONLY available to incorporated entities! If your club is not incorporated, individual committee members may run the risk of exposing their home, car and financial assets.
1 | https://www.ncsc.gov.uk/files/Cyber-threat-to-sports-organisations.pdf
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.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) 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 MAI on request. MAI 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.
