National Risk Protection Program

AFL Masters

Learn more about the insurance cover available for Masters AFL players.

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.

National Risk Protection Program

What's Covered

Who's Covered?

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

General & Products Liability limit

  • $30,000,000 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, Clubs, members, coaches, referees, officials, voluntary workers, first aid persons and administration personnel.

Insurer

AIG Australia Limited 

Directors & Officers

  • $10,000,000 Cover Limit
  • $5,000 Excess, in part

Employment Practices

  • $10,000,000 Cover Limit
  • $15,000 Excess

Employee Theft

  • $10,000,000 Cover Limit
  • $15,000 Excess

Annual Coverage

Need to make a claim?

Sometimes accidents happen and we're here to help.

Depending on when the accident occurred and the policy you need to make a claim under, there are different procedures to follow. Head over to our claims page now to get started. 

Make a claim

Frequently Asked Questions

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 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 email us at sport@marsh.com and one of our friendly team members will be in touch.

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.

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