National Risk Protection Program

Australian Football Community Clubs

Learn everything you need to know about the insurance you have in place for your club, committee and volunteers. Check out what’s on offer and the upgrades available to boost your insurance game.

ENTER COMPETITION

Win $1000 of AFL gear for your club

70% of sports organisations suffered some form of cyber incident and 30% reported over 5 incidents in the last year¹.

As the Official Risk Partner of AFL, Marsh can provide AFL clubs with an extensive cyber product that can help your AFL Club prevent, detect and respond to cyber risks. 

To help protect your Club and members, and for the chance to win 1 of 3 $1000 AFL gear vouchers, simply request an obligation free quote for Marsh cyber insurance for your Club before the 20th June. Terms and conditions apply.

Program Summary

Public Liability Insurance

Can help cover clubs if a third party claims they have suffered a serious injury or their property has been damaged due to the club’s alleged negligent activities.

Club Management Liability Insurance

This insurance can help cover a range of financial risks for your club’s directors and officers and can cover some of the costs associated with an employee stealing funds from the club.

Personal Injury Insurance

This insurance is designed to offer some peace of mind to players of your club by helping cover costs related to a personal injury sustained whilst participating in an Insured’s activity.

National Risk Protection Program

What's Covered

Who's Covered?

Affiliated Associations, Clubs, members, coaches, umpires, officials, voluntary workers, first aid persons and administration personnel.

General & Products Liability limit

  • $20,000,000 Cover Limit 
  • $1,000 Excess 

Errors & Omissions

(Also referred to as Professional Indemnity)

  • $20,000,000 Cover Limit
  • $1,000 Excess

Annual Coverage

Who's Covered?

Affiliated Associations/ Leagues and Clubs and their Directors and Officers. 

Insurer

AIG Australia Limited 

Directors & Officers and Employment Practices

  • $10,000,000 Aggregate Cover Limit (including Crime & Statutory Liability) 
  • Directors & Officers - $5,000 Excess
  • Employment Practices - $15,000 Excess

Employee Theft

  • $1,000,000 Cover Limit
  • $20,000 Excess

Annual Coverage

Statutory Liability

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

Four levels of cover are available under this section of the program, starting from bronze through to platinum level cover.

This level will vary depending on the cover option selected by your club.

Please contact us to confirm the level of cover your club holds.


Apply Now

Base Level Cover

Automatically provided for all affiliated clubs in Victoria, ACT, NSW, Tasmania, WA and Queensland.

This does not include Leagues or Associations – these entities will need to apply for Asset Protect cover separately.

Total Cover Limit

  • $15,000 total cover limit per claim
  • The standard claims excess is $250*

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

Material Damage & Business Interruption

  • Maximum $15,000 any one claim
  • Excludes Buildings

Burglary or Theft

  • Limited to $5,000 for alcohol and cigarettes

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





Personal Injury Coverage Limits & Excess

The level of personal injury cover can vary depending on the cover option selected by your club.

Please contact Marsh to upgrade your cover

Placeholder image

Bronze Level

  • done

    Non-Medicare Medical Costs*

    50% Reimbursement

    $2,000 max. per claim

    $100 excess per claim

  • done

    Capital Benefits

    $100,000** maximum

  • done

    Quadriplegia / Paraplegia Benefit

    $1,000,000 maximum

Trophy image

Silver Level

  • done

    Non-Medicare Medical Costs*

    75% Reimbursement

    $2,500 max. per claim

    $75 excess per claim

  • done

    Capital Benefits

    $150,000** maximum

  • done

    Quadriplegia / Paraplegia Benefit

    $1,000,000 maximum

injured arm icon

Gold Level

  • done

    Non-Medicare Medical Costs*

    90% Reimbursement

    $3,500 max. per claim

    $50 excess per claim

  • done

    Capital Benefits

    $200,000** maximum

  • done

    Quadriplegia / Paraplegia Benefit

    $1,000,000 maximum

Plane departing icon

Platinum Level

  • done

    Non-Medicare Medical Costs*

    90% Reimbursement

    $7,500 max. per claim

    $50 excess per claim

  • done

    Capital Benefits

    $250,000** maximum

  • done

    Quadriplegia / Paraplegia Benefit

    $1,000,000 maximum

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.

Additional Cover Options

Placeholder image

Asset Protect Insurance

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

  • done

    Damage for contents and/or building cover

    (e.g. fire or storm damage)

  • done

    Burglary / Theft

  • done

    Business interruption cover

    (e.g. loss of gross profits)

  • done

    Money cover

    (e.g. canteen takings stolen)

  • done

    General property cover

    (e.g. property in transit)

  • done

    Glass cover

    (e.g. broken window)

  • done

    Machinery breakdown cover

    (e.g. canteen fridge)

injured arm icon

Personal Injury & Loss of Income Insurance

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

    Personal Injury Insurance

  • done

    Non-Medicare Medical Cover*

  • done

    Capital Benefit Cover**

  • done

    Quadriplegia/ Paraplegia Benefit


    Income Loss Insurance

  • add

    Reimbursement for either 80% of the injured person’s net weekly income or the maximum amount per week as purchased by the player

  • add

    Coverage is for a maximum of 52 weeks

Plane departing icon

Discounted Travel Insurance

We back you at home and away. Whether you’re travelling solo or on family holiday, we’ve got you covered.

  • done

    Access an exclusive deal as a valued member of the Marsh and AFL family.

Register your club

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

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.

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:

  • Both clubs should discuss their potential coverage needs above the base level cover
  • One club may then purchase Asset Protect on behalf of both clubs

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:

  • Negligence, libel, slander, defamation, discrimination, etc.
  • Employment related matters (unfair dismissal)
  • Club Management Liability can also cover some of the costs associated with an employee stealing funds from the club.

A Management Liability policy has important exclusions that you should be aware of including but not limited to:

  • Fraud – any claim in consequence of a deliberate fraudulent act
  • Insolvency – financial impairment of the insured organisation
  • Known dishonesty
  • Losses sustained from accounts at banks where only one signatory is required for transactions.

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.

  • Directors and Officers: Legal action is taken against the club for defamation of a club member. This came about as a result of information printed in the monthly club newsletter.
  • Employment Practices: Legal action is taken against the club for the unfair dismissal of a senior coach.
  • Employee Theft: The club treasurer has been stealing money from the accounts over a period of time and the club now needs to claim the losses.

Still have questions?

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

Discretionary Trust Information

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.