While it is not a legal requirement to have insurance to run a sporting club in Australia, we highly recommend you consider it to help protect the club, its members, employees and volunteers. Insurance can help mitigate risks and provide financial protection in case of accidents, injuries, property damage or legal claims – and can help keep your club running, if something goes wrong. We also recommend you check what insurance requirements you will need to operate under the rules of the national sporting body of your sport and to use local government facilities.
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Protecting the Australian Sporting Community
Protecting the Australian Sporting Community
Frequently asked questions
There are a range of insurance covers that a sports club or team may need to consider to help protect the club, its employees, members and volunteers. Some key types of insurance covers include:
- Public liability – cover for third party injury, property damage and personal injury claims that may arise from the club's activities.
- Property – covering damage or loss to the club's property assets, including buildings, equipment and supplies.
- Personal accident – cover for expenses that arise from injuries while playing during club activities.
- Directors and officers and management liability – helps protect the club's executives, board and committee members from legal claims alleging wrongful acts, errors, or omissions while performing their duties.
- Business interruption and event cancellation insurance – helps protect the club against financial losses if a planned event, such as a tournament or competition, needs to be cancelled or postponed due to unforeseen circumstances like severe weather or venue issues.
- Cybersecurity – helps protect your club’s sensitive information, such as member data, medical and financial records, from data breaches and cyber attacks.
This is not an exhaustive list, but provides a snapshot of some of the key insurance cover options available to sports clubs.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) 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 on request. Marsh 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. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.