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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
slected option

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.


Berkshire Hathaway Specialty Insurance

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.

Renewal Declaration

Need help completing your renewal declaration? Click the link below to watch our step by step video tutorials.

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.

  • 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)

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Commercial Marine Insurance

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

  • Cover for:

  • IRB’s and additional Motors
  • Surf Boats
  • Jet Skis
  • Other rigid Hulls
  • 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:

  • Sedans, Utilities, Buses
  • Trailers /Caravans
  • Tractors
  • ATVs
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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:

  • Ransomware and extortion
  • Unintended and accidental disclosure
  • 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.

Frequently asked questions

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.

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

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 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.

Still have questions?

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

LCPA 22/058

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) arranges the insurance 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 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. MAI makes no assurances regarding the availability, cost, or terms of insurance coverage.  


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