Yes, but only for the club’s share of any liability. The operator needs to make sure that they have their own insurance to cover their operations and their equipment (e.g. a restauranteur will need their own liability and business property insurance if they are leasing space from the club). It is important that you ensure that you have the right, under your occupancy, to sub-let any club space before you consider any agreement.
Program Coverage
National Insurance Program
What's Covered
selected option
- Public Liability
- Association Liability
- Personal Injury
Additional cover options for clubs
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)
Commercial Marine Insurance
Commercial marine insurance can help cover the club’s marine assets for loss and damage.
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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.
Commercial Motor Insurance
This insurance can help cover the club’s motor vehicles against loss and damage to insured and third party vehicles.
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Cover for:
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Sedans, Utilities, Buses
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Trailers /Caravans
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Tractors
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ATVs
Cyber Insurance
An insurance solution that can help your sporting club prevent, detect and respond to cyber risks.
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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
Frequently asked questions
Events where members of the public are able to participate, such as ocean swims, are subject to review and approval under the your state's Special Events Process. If approved by your state, then the club will be covered under public liability for the event (a premium may be payable depending on the type and size of the event). In order to have a Special Event considered and approved, contact surflifesaving@marsh.com.
It is important to note that non-members participate in any event at their own risk. There is no cover under the SLSA National Insurance Program for non-members.
In order to deliver the best value to members, Marsh arranges some “Group” policies that cover all SLS entities across the country. Costs for these policies will be invoiced by your state. Marsh also offers a number of “Customised” policies tailored to individual club needs (including property, motor vehicle, marine hull and transit insurance). If your club purchases these covers, the invoice and other policy information will be sent to the club directly by Marsh.
Marsh have more than 20 years’ experience as the insurance broker for the SLS Movement. Over this time they have customised a number of insurance policies tailored to reflect the unique exposures of surf lifesaving clubs. If you are uncertain about what insurance your club may require, we recommend you call the Marsh team on 1300 130 373.
If you receive any notice of claim, or become aware of any incident that may give rise to a claim against your club, please contact Marsh at surlifesaving@marsh.com to discuss the most appropriate response. You should never try to settle a claim with a third party without first discussing with Marsh or your state.
Marsh will provide an annual declaration, where you must provide some information about your club so that we can ensure that the group policies we place remain appropriate for all clubs, including yours. If, during the year, something substantial changes at your club that could have an impact on insurance, we strongly encourage that you call the team at Marsh to discuss the changes, and ensure that there is no impact on the cover provided to your club.
If your club purchases motor vehicle insurance through Marsh, there is no age requirement to drive a club vehicle (they do need the relevant licence though).
If an accident occurs, and the driver is under 25,
an additional excess may apply to any claim.
Generally speaking, COVID related risks are not covered under the insurance policies in place. As the pandemic continues, insurers are constantly reconsidering their policy position on COVID, and any changes to cover will be communicated to all clubs under the program.
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. 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 22/058