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As the appointed insurance broker for Tennis Australia, Marsh has developed a National Insurance Program to protect registered Business Package, Qualified or Trainee Coaches 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 you 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 negligence.

Management Liability Insurance

This insurance can help cover a range of financial risks which arise out of the management of your business and can cover some of the costs associated with an employee stealing funds from you.

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
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Who's Covered?

All active coach members of Tennis Australia subject to certain exclusions.



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?

All active coach members of Tennis Australia subject to certain exclusions.



CGU Insurance Ltd

Directors and Officers

  • $10,000,000 aggregate cover limit
  • Nil excess

Employment Practices Liability

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

Statutory Liability

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


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

Who's Covered?

All active coach members of Tennis Australia subject to certain exclusions.



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

Who's Covered?

Tennis Australia Business Package coach members only.



ATC Insurance Solutions Pty Ltd

Covers the insured’s tennis equipment

  • whilst in transit, stored in a locked vehicle and/or locked building in accordance with State Law, and if damaged or destroyed whilst in use.

$5,000 limit Any One Loss


  • $80 for claims under $2,500
  • $150 for claims between $2,501 and $5,000

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.

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

Your membership with Tennis Australia provides you with automatic cover for Personal Accident, Public Liability and Professional Indemnity.

Only Business Package coach members have cover for General Property (equipment).

  • Coaching or refereeing activities
  • Holiday and school clinics/camps
  • State squads and training squads
  • Matches, games, practices and official sessions
  • Seminars, meetings or similar
  • Organised fundraising
  • Social activities
  • Organised tournaments and competitions
  • Exhibitions and displays
  • Come and try activities
  • ANZ Tennis Hot Shots, Cardio Tennis and related programs
  • All core activities must be related to Tennis

Yes, the cover is Australia wide and allows you to coach at private residences, schools or other venues where a court is available. With all venues, you must assess the court to ensure it is safe to coach on, such as run offs are adequate and there are no obvious hazards for participants.

No, this cover is for tennis coaching activities only.

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)

The Club must keep all potential claim/injury information on file for at least 7 years after the member has turned 18 years old.

Still have questions?

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

LCPA 22/316

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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