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 protects 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 can 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

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

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.

 

Insurer

Liberty Speciality Markets

Public Liability

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

Products Liability

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

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

Who's Covered?

Swimming Australia and all State and Territory Associations, registered affiliated incorporated clubs.

 

Insurer

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

Crime

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

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

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.

 

Insurer

Liberty Speciality Markets

Non-Medicare Medical Benefits

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

Capital Benefits (Death & 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

Additional Cover Options

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Asset Protect Insurance

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

  • done

    Damage for contents and/or building cover

    (e.g. fire or storm damage)

  • done

    Burglary / Theft

  • done

    Business interruption cover

    (e.g. loss of gross profits)

  • done

    Money cover

    (e.g. canteen takings stolen)

  • done

    General property cover

    (e.g. property in transit)

  • done

    Glass cover

    (e.g. broken window)

  • done

    Machinery breakdown cover

    (e.g. canteen fridge)

cyber shield icon

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:

  • done

    Ransomware and extortion

  • done

    Unintended and accidental disclosure

  • done

    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)

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 sport@marsh.com

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 however, your proposed activity involves any of the following please contact Marsh to ensure that cover can be confirmed with the insurer prior to 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 and appropriate risk assessments and consideration to the weather and ocean.

Yes, prospective/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 in order 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/injury information on file for at least seven years after the member has turned 18 years old.

Loss of Income is not a standard inclusion under the Personal Injury policy though it can be purchased as an additional benefit, you can check with your club if this cover has been added.

There is a fourteen-day waiting period on any loss of income claims in accordance with the policy terms and conditions.

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.

Still have questions?

For general enquiries please contact us on 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) 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. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. 

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