Cricket Clubs

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 Cover 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 Cricket National Club Risk Protection Program.

The Health Insurance Act 1973 (Cth) strictly prohibits any product issuer 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 product issuer 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 Cricket National Club Risk Protection Program.

Asset Protect is an cover product available to sporting clubs, leagues and associations throughout Australia. It is a policy that provides very important cover for your clubs’ property and assets and provides protection against fire, theft and damage.

Asset Protect cover is not automatically included within the Australian Cricket National Club Risk Protection Program. It is available as an optional policy that can be taken out at any time and renewed to the common due date of 31 August so that all of the club’s cover policies are due at the same time.

If you want to obtain a quote for Asset Protect cover, please complete the Asset Protect Application form and return to Marsh via email.

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.