National Risk Protection Program

Cricket 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.

Program Coverage

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 clubs alleged negligent activities.

Club Management Liability Insurance

This insurance helps 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 Insured’s activity.

National Insurance Program

What's Covered

For full detailed policy benefits and exclusions, please refer to the policy wording below.

Who's Covered?

All Australian Cricket Clubs, Affiliations and Associations participating within organised club competitions of each State and Territory including most club individuals.

Insurer/Issuer
Liberty International Underwriters

General & Products Liability

  • $50,000,000 cover limit
  • $5000 excess 

Errors & Omissions

  • $10,000,000 cover limit
  • $2,500 excess

365 day coverage

with an annual renewal date of 30 June

For full detailed policy benefits and exclusions, please refer to the policy wording below.

Who's Covered?

All Incorporated Australian Cricket Clubs, Affiliations and Associations of each State and Territory.

Insurer/Issuer

Zurich Australian Insurance Limited

Directors & Officers

  • $10,000,000 cover limit
  • Nil excess

Employment Practices

  • $10,000,000 cover limit
  • $5,000 excess

Employee Theft

  • $1,000,000 cover limit
  • $7,500 excess

365 day coverage

with an annual renewal date of 30 June

Who's Covered?

Members of the Australian Cricket Discretionary Trust including players, umpires, volunteers etc.

Insurer/Issuer

Australian Cricket Discretionary Trust Arrangement

Non-Medicare Medical Benefits

  • 85% reimbursement cover
  • Maximum of $5,000 per claim (up to $10,000 for dental claims only)
  • $50 excess per claim

Loss of Income

  • Up to $500 maximum per week
  • 14 day elimination period*

*The excess period applicable is 14 days, unless your sick leave balance exceeds this, in which case your sick leave balance becomes your excess period.

Quadriplegia/ Paraplegia Benefit

  • Provides cover up to $250,000 in the event of permanent and incurable quadriplegia or paraplegia.

Capital Benefits

  • Provides cover for up to $100,000 in the event of death or permanent disability. 

365 day coverage

with an annual renewal date of 30 June

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
  • Capture and attach photos
  • Guidelines to help identify and address hazards

Additional Cover Options

For full detailed policy benefits and exclusions, please refer to the policy wording below.

What's Included?

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

Damage for contents and/or building cover

(e.g. fire or storm damage)

Burglary / Theft

Business interruption cover

(e.g. loss of gross profits)

Money cover

(e.g. canteen takings stolen)

General property cover

(e.g. property in transit)

Glass cover

(e.g. broken window)

Machinery breakdown cover

(e.g. canteen fridge)

Risk Management Module

The online risk management module is an annual requirement for club registration. It only takes a few minutes of your time and is linked to MyCricket through Cricket Australia.

Completing the online risk management module will unlock your club’s Certificate of Currency. 

Make a claim

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 Cricket National Club 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 Cricket National Club Risk Protection Program.

Asset Protect is an insurance 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 insurance 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.

The same way you currently pay for your national program insurance.

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.

Discretionary Trust Information

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.

Still have questions?

For general enquiries please contact 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.