Clubs

As the appointed insurance broker for Tennis Australia, Marsh has developed a National Insurance Program to protect affiliated Clubs across the Tennis Australia community.

 

We’ve got you covered on and off the court anywhere in Australia whenever you’re involved in a tennis related activity.

Program Coverage

Public Liability and Professional Indemnity 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 which arise out of the management of your club and can cover some of the costs associated with an employee stealing funds from the club.

Personal Injury Insurance

This insurance provides benefits for death, permanent disability and loss of income as well as cover for non-Medicare medical expenses and other costs associated with an injury sustained whilst playing or coaching or being otherwise involved in an approved tennis related activity.

National Insurance Program

What's Covered

Who's Covered?

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

 

Insurer

Sportscover Australia Pty Ltd

Public Liability

  • $30,000,000 cover limit on any one occurrence
  • $1,000 excess 

Products Liability

  • $30,000,000 cover limit any one occurrence and in the annual aggregate
  • $1,000 excess

Professional Indemnity

  • $10,000,000 limit any one claim and in the aggregate any one policy year
  • $1,000 excess

Who's Covered?

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

 

Insurer

CGU Insurance Ltd

Directors and Officers

  • $20,000,000 cover limit
  • Nil excess

Employment Practices Liability

  • $20,000,000 cover limit
  • $10,000 excess

Statutory Liability

  • $500,000 cover limit
  • $7,500 excess

Crime

  • $250,000 cover limit
  • $10,000 excess

Who's Covered?

Tennis Australia and all State and Territory Associations including

all: members, affiliated regional, district, branch and club members, players, committee members, club directors, club officers, office bearers, Hot Shots participants, Cardio Tennis members, talent squads, teachers / coaches, instructors, trainers, masseurs, timekeepers, officers, technical officers, technical officials, all voluntary workers including co-opted volunteers, prospective members for up to four (4) weeks after initial approach guest players where applicable.

 

Insurer

Sportscover Australia Pty Ltd

Non-Medicare Medical Benefits

  • 80% reimbursement up to a maximum of $3,000
  • $50 excess

Capital Benefits (Death & Permanent Disablement)

  • $100,0000 maximum ($15,000 if under 16 years of age or over 70 years of age)

Loss of Income

  • 100% salary up to $500 per week
  • 26 week maximum benefit period
  • 14 day excess period

Medicare vs Risk Protection

When it comes to reimbursement of Personal Injury claims, some people get confused about Medicare, the Medicare Gap and what is covered through the National Risk Protection Program.

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

Medicare provides access to:

  • Free treatment as public (Medicare) patient in 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 by Medicare’s website. Items commonly used by sports participants that are Medicare listed can include General Practitioners, surgeons and an 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 was is charged and the MBS rebate is call the “Medicare Gap”

  1. The Doctor charges $45
  2. Medicare provides a rebate of $15.35
  3. Medicare Gap = $29.65 (our 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.

So what does that mean?

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

In the example 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

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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 / 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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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.

Tennis ball clay court

Frequently Asked Questions

Your affiliation with your state or territory tennis association provides you and your members with automatic cover for Personal Accident, Management Liability, Public Liability and Professional Indemnity.

No, you will be issued with a claim number shortly after the claim has been lodged. This claim number can then be used on any further documentation that needs to be submitted to Sportscover in order to support your claim.

No, insurers are unable to pay claims already covered under Medicare, including the Medicare gap in accordance with the Health Insurance Act (Cth) 1973.

A $50 excess is applicable for each and every non-Medicare medical treatment or emergency transport claim in accordance with the policy terms and conditions.

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

The policy provides cover for emergency ambulance transport only, up to $1,000 for any one event with a $50 excess.

Yes, the two policies will work together. You need to lodge a claim with your private health insurer first, then submit your claim via Sportscover. Costs that exceed your private health cover may be insured via the Tennis Australia policy. We suggest you contact Sportscover on 1300 134 956 for further details.

Subject to the policy limits and sub-limits you can make more than one claim during the policy period. It is important however, that you obtain a clearance from your treating physician prior to returning to playing tennis.

No, your club premises and its contents are not covered under the Tennis Australia policy for any material damage or theft. If you would like a quotation for this type of insurance, please complete the Asset Protect application form.

Yes, if you are a Business Package coach member and therefore have automatic equipment cover, we highly recommend you keep an up to date inventory of all your equipment. This could include invoices, photos etc.

  • Doctor’s Fees
  • Surgeon’s Fees
  • Anaesthetist Fees
  • X-rays
  • Public hospital costs
  • MRI Scans

You can’t 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)

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, 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.

The Club must keep all potential claim/injury information on file for at least 7 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 run the risk of exposing their home, car and financial assets.

Still have questions?

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

 

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