Skip to main content

National Insurance Program

Swimming Australia clubs

Learn more about the insurance cover available for affiliated clubs, members and volunteers through the Swimming Australia National Insurance Program.

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.

Management liability insurance

This insurance can help 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 members, participants, volunteers, etc. of your club by having protection costs related to an injury sustained whilst involved in a swim club activity.

National Insurance Program

What's covered?
slected option

Who's covered?

Swimming Australia and all state and territory associations. All registered and affiliated associations and clubs participating in sanctioned club events and activities.



Liberty specialty markets

Public liability

  • $20,000,000 cover limit on any one occurrence
  • $1,000 excess

Products liability

  • $20,000,000 cover limit on any one occurrence and in the annual aggregate
  • Nil excess

Who's covered?

Swimming Australia and all state and territory associations. All, registered and affiliated incorporated clubs.


Vero Insurance

Directors and officers

  • $5,000,000 cover limit
  • $15,000 excess

Employment practices liability

  • $5,000,000 cover limit
  • $25,000 excess

Statutory liability

  • $500,000 cover limit
  • $25,000 excess


  • $500,000 cover limit
  • $25,000 excess

Who's covered?

Swimming Australia and all state and territory associations, including registered members, non-participating officials, coaches, voluntary workers, club office bearers and committee members.



Liberty specialty markets

Non-Medicare medical benefits

  • 100% reimbursement up to a maximum of $5,000
  • Nil excess

Capital benefits (death and permanent disablement)

  • $150,0000 maximum ($20,000 if under 16 years of age)

Loss of income

  • 80% salary up to $600 per week
  • 7 day excess period

Medicare vs National Insurance Program

When it comes to reimbursement of personal injury claims, it is important to understand Medicare, the Medicare gap and what is covered through the National Risk Protection Program.

Medicare is a Commonwealth Government program that provides eligible Australian residents with free or low-cost medical and hospital care.

Medicare provides access to:

  • Free treatment as a public (Medicare) patient in a public hospital
  • Free or subsidised treatment by practitioners such as doctors or specialists.

The medical benefits schedule (MBS) lists all treatments and associated MBR relating to Medicare.

You can access the MBS at any time on Medicare’s website. Items commonly used by sports participants that are Medicare-listed can include general practitioners, surgeons and anaesthetists.

The MBS lists a rebate amount for each Medicare item.

Example: A short consultation with a doctor = Medicare rebate of $15.36

However, doctors or specialists may charge more than the listed MBS amount.

The difference between what is charged and the MBS rebate is called the "Medicare gap".

  • The doctor charges $45
  • Medicare provides a rebate of $15.35
  • Medicare gap = $29.65 (out of pocket expense).

The Health Insurance Act 1973 (Cth) strictly prohibits any general insurer from insuring 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 the insurer to cover the Medicare gap.

If your medical or other treatment has a Medicare item number, such as the doctor fee above, it is claimable on Medicare but is uninsurable and you may not claim for reimbursement.

In the example used above, you cannot claim the $29.65.

If your medical or other treatment does not have a Medicare Item Number, you may claim for reimbursement through Marsh. For specific insurance and risk protection information please visit the making a claim section of this website

Additional cover options

Icon of a detached house (home)

Asset protect insurance

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 and 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)

Product Icon Image

Cyber insurance

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

  • 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.

Freestyle swimmer

Frequently Asked Questions

Generally, the following 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 a 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 (ie. cancer, heart condition)

Your affiliation with your state or territory’s swimming association provides you with automatic cover for personal accident, public liability and management liability.

Check your club’s affiliation status with your state or territory association, if your affiliation has only recently been completed and paid for this may take some time to load on our website. For urgent queries, you can direct your request to Marsh at

Yes, club fundraising activities are automatically covered under the national insurance program. These automatic coverage inclusions would cover things such as Bunnings BBQ’s, Christmas parties or ‘come and try’ days.

If your proposed activity involves any of the following, please contact Marsh to ensure that cover can be confirmed with the insurer before the activity: 4WD rallies, jumping castles, water activities, aircraft, fireworks, livestock, rides of any kind, large crowds or events involving security personnel.

Yes, the National Insurance Program extends to cover open water activities, subject to the use of lifeguards, qualified coaches/trainers, appropriate risk assessments and consideration of the weather and ocean conditions.

Yes, prospective or trial members are covered under the insurance program for up to four weeks from initial approach. After the four-week period, they will need to become a member to be covered by the program.

Guests invited on behalf of the club to participate in a swim meet are covered under the insurance program.

Yes, swim meets with affiliated clubs are covered as a club activity under the insurance program.

The club must keep all potential claim or injury information on file for at least seven years after the member has turned 18 years old.

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 personal assets.

Still have questions?

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

LCPA 22/059

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.  


© 2022 Marsh Advantage Insurance Pty Ltd. All rights reserved.