Skip to main content

National Risk Protection Program

AFL Masters

Learn more about the cover available for Masters AFL players.

Program Summary

The National Risk Protection Program is made up of multiple protection products. Further information about the Program is available here: https://au.marsh.com/sport/afl.html
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 : Other Protection

What's Covered
slected option

Who's Covered?

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

General & Products Liability

Errors & Omissions

(Also referred to as Professional Indemnity)

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

Employment Practices

Employee Theft

Annual Coverage

Public Liability and Club Management Liability Insurance

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.

Need to make a claim?

Sometimes accidents happen and we're here to help.

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

Frequently Asked Questions

Public Liability insurance is designed to help protect clubs in the event a third party makes a claim against the club for injury or property damage occurring due to the club's negligence, where the injury or damage has occurred on the club's premises or in connection with the club's activities.  This cover will generally include the legal costs incurred in defending any claim made against the club and the club's liability to pay compensation in relation to the third party's claim.

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 (for example, unfair dismissal)

A Management Liability policy may also provide cover for loss caused by employee dishonesty and/or cover for breaches of legislation (i.e. statutory liability). 

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.

The AFL is the policyholder of the Public Liability and Management Liability insurance policies.  The Policy provides cover for affiliated Associations, Clubs, members, coaches, referees, officials, voluntary workers, first aid persons and administration personnel.

Different cover limits and excesses may apply.  Contact Marsh Advantage Insurance Pty Ltd to confirm cover limits under the Public Liability and Club Management Liability policies and/or applicable excesses.

Still have questions?

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

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