National Insurance Program

SLSA Clubs

Learn more about the Public Liability, Association Liability & Personal Injury insurance available to SLSA clubs and committee members.

Program Coverage

Public Liability Insurance

This insurance can help protect your club against the financial risk of being found liable to a third party for death or injury, loss of or damage to property or ‘pure economic’ loss resulting from your club’s negligence.

Association 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 help offer some peace of mind to members, participants, volunteers etc. of your club by having protection costs related to an injury sustained whilst involved in a surf lifesaving club activity.

National Insurance Program

What's Covered

Please refer to the appropriate policy wording to find out detailed policy terms, benefits, conditions and exclusions.

Who's Covered?

Surf Life Saving Australia and all State and Territory Associations. All registered and affiliated Associations and Clubs participating in sanctioned club events and activities.

$50,000,000 Public Liability limit

 On any one occurence

$50,000,000 Products Liability limit

Any one occurrence and in the annual aggregate


  • $1,000 excess for SLSA Clubs
  • $5,000 excess for Supporters Clubs (QLD)

Who's Covered

Affiliated Associations, branches, clubs and members


Chubb Insurance Australia Limited

Directors & Officers

  • $20,000,000 Aggregate limit
  • $5,000 excess 

Professional Indemnity

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

Employment Practices Liability

  • $2,000,000 Aggregate limit
  • $5,000 excess

Who's Covered

Surf Life Saving Australia and all State and Territory Associations. Including registered members, non-participating officials, coaches, voluntary workers, club office bearers and committee members.


QBE Insurance (Australia) Limited

Non-Medicare Medical Benefits

  • 100% reimbursement up to a maximum of $5,000
  • $50 Excess
  • Weekly Benefits – (all categories ex-Voluntary Workers) $1000
  • Weekly Benefit (Voluntary Workers) $500
  • Excluded Period of claim 14 days

Capital Benefits (Death & Permanent Disablement)

$250,000 maximum

For Western Australia Only

  • Weekly Benefits (all categories ex-Voluntary Workers) $1,500
  • Weekly Benefit (Voluntary Workers) $750
  • Excluded Period of claim 14 days.

Additional cover options for clubs

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Industry Special Risk & Machinery Breakdown

This insurance policy can help provide cover for loss or damage to the club’s physical assets.

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    Damage for contents and/or building cover

    (e.g. fire or storm damage)

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    Burglary / Theft

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    Business interruption cover

    (e.g. loss of gross profits)

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    Money cover

    (e.g. canteen takings stolen)

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    General property cover

    (e.g. property in transit)

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    Glass cover

    (e.g. broken window)

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    Machinery breakdown cover

    (e.g. canteen fridge)

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Commercial Marine Insurance

Commercial marine insurance can help cover the club’s marine assets for loss and damage.

Cover for:

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    IRB’s and additional Motors

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    Surf Boats

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    Jet Skis

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    Other rigid Hulls

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      Built into this policy is a Marine Transit risk that will provide cover for clubs assets that are in transit.

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Commercial Motor Insurance

This insurance can help cover the club’s motor vehicles against loss and damage to insured and third party vehicles.

Cover for:

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    Sedans, Utilities, Buses

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    Trailers /Caravans

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Cyber Insurance

An insurance solution that can help your sporting club prevent, detect and respond to cyber risks.

This insurance can help protect your club from:

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    Ransomware and extortion

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    Unintended and accidental disclosure

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    Loss of confidential data

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

Generally the followig expenses are not covered under the personal injury policy:
  • Doctor’s Fees
  • Surgeon’s Fees
  • Anaesthetist Fees
  • X-rays
  • Public hospital costs
  • MRI Scans

You also cannot make claim if you:

  • Play against medical advice
  • Have a pre-existing injury
  • Are under the influence of alcohol or drugs
  • Are involved in a criminal act
  • Have a pre-existing illness or disease (i.e. cancer, heart condition)

Still have questions?

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

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) arranges the insurance and is not the insurer. When arranging insurance for you, Marsh will disclose to you the insurer and the basis upon which it acts. 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 Advantage Insurance (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. 

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