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)
An Insurance solution that can help your sporting club prevent, detect and respond to cyber risks.
This Insurance can help protect your club from:
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:
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.
The Discretionary Trust Arrangement is not insurance 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 Cricket Discretionary Trust Arrangement Product Disclosure Statement.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) 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 Marsh on request. Marsh 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. Any modelling, analytics, or projections are subject to inherent uncertainty, and the Marsh Analysis could be materially affected if any underlying assumptions, conditions, information, or factors are inaccurate or incomplete or should change. This publication is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. The information contained herein is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. Marsh shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein.
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.
LCPA 21/436
