Sports & Leisure Clubs Insurance

Available are specialist package for licensed clubs including Bowls Clubs, Golf Clubs, RSL Clubs and Leagues Clubs. There are specialist underwriters providing club packages tailored to suit the needs of licensed and non-licenced club clients. Some even include limited participation cover for club based sports such as golf and bowls. There are even special Member Personal Accident Insurance Plans, Voluntary Workers cover, Event cancellation, Prize Indemnity and more.
The types of Licensed clubs we can assist with include:

  • Bowling Clubs
  • Citizens Clubs
  • Community Clubs
  • Golf Clubs
  • Leagues Clubs
  • Recreation Clubs
  • RSL Clubs
  • Social Clubs
  • Soldiers Clubs
  • Sporting Clubs
  • Surf Clubs
  • Workers Clubs
  • Yacht Clubs
  • Other Licensed Clubs

What is Sports & Leisure Clubs Property Insurance?

Tailored business packages for your sports, leisure and licensed club clients. Policy sections include Fire & Specified Events, Business Interruption, Burglary, Money, Glass, Broadform Liability, Electronic Equipment, Machinery Breakdown, Transit and General property.

  • Fire & Specified Events – cover includes fire, lightening, explosion, storm damage, aircraft, water discharge and malicious damage 
  • Accidental Damage – a sub-limit covering any kind of loss not specifically excluded 
  • Business Interruption – covers the loss of turnover you are unable to make following an insured event
  • Burglary – covers theft and burglary including damage caused by a break in to your premises 
  • Glass – accidental breakage of fixed glass or porcelain
  • Public/Products Liability – covers bodily injury or property damage you cause to a third party
  • General Property – covers mobile equipment and tools of trade away from your premises
  • Machinery Breakdown – repairs to mechanical equipment following sudden damage 
  • Electronic Equipment Breakdown - repairs to electronic equipment following sudden breakdown. 
  • Transit – Fire, flood, collision and overturning of your goods moving around Australia 

What is Sports & Leisure Clubs Liability Insurance?

There are three main areas of Liability Risks to a Sports or Leisure Club. These are General (Public/Products Liability, Professional Indemnity and Management Liability.

These are briefly described as follows:
General Liability – is Bodily Injury, Property Damage and Advertising Injury caused to others arising out of the activities of the organisation. Apart from a limit of indemnity (which we recommend at least $20,000,000 cover) which can be purchased from $5,000,000 it also includes:

  • Property in your Physical or Legal Control
  • Temporary protection cover 
  • Principals Indemnity – where the owner or main body is protected by your club’s actions
  • Member to Member Liability on most sports risks
  • Participation Liability on most sports risks

Professional Indemnity – is for a breach of Professional Duty such as making an error or omission which causes a financial loss to another person. It can arise from activities such as Coaching, Supervision of children, failure of systems such as Keno, TAB and Lotto and so on. Look for features such as:

  • “Claims made” cover – picking up past events retroactively with the most current sum insured.
  • No Bodily injury exclusion for sports based risks 
  • Legal and Claim Costs and Expenses 
  • Dishonesty of staff for which you can be liable for
  • Automatic Reinstatement of the limit of indemnity after a claim.
  • Continuous Cover where the policy renewed with the same insurer.
  • Severability – where you are responsible for separate actions arising from the one matter
  • Extended Reporting Period – policy can be extended if cover lapsed due to declinature or closure to pick up claims reported after expiry

Management Liability – While it is understood the importance of a liability policy and player accident cover, but often overlook the professional risks of running a club, association or business. Management Liability coverage is an easy and affordable extension that includes Directors & Officers, Club or Entity Liability, Employment Practices Liability, Club or Entity Reimbursement. Features of this cover includes:

Key Features:
• Advanced Defence Costs 
• Inquiry Costs 
• Fines & Penalties 
• Dishonesty
• Loss of Documents
• Intellectual Property 
• Automatic Reinstatement 
• Continuous Cover 
• Subsidiary Run Off Cover
• Joint Venture Cover
• Libel and Slander • New Subsidiaries
• NFP Outside Directorships 
• Occupational Health & Safety
• Severability 
• Spousal Cover 
• Trade Practices Act 
• Extended Reporting Period
• Retirement Cover 
• Fidelity Cover (Optional) 
• Pollution Defence Costs (Optional) 
 

Member Insurance Plan

Designed to cover the requirements of Golf and Bowls club members and voluntary workers. Policy sections include Voluntary Workers, Members Liability, Members Personal Accident and Members Property.

Prize Indemnity 

This policy compensates your client for the value of an insured prize. Typical risks include golf hole in one, half court basketball shot, soccer or rugby goal kicking and more. All types of prizes and events, including non-sporting events, considered.

Cancellation Cover

Policy covers expenses as a result of cancellation, postponement, abandonment or relocation of an insured event. Cover can be extended to include adverse weather. All types of events, including non-sporting events, considered. 

Who can help?

An insurance broker's role is to act as your representative and work in your interests, seeking the best cover at the best price for you from market knowledge. Call a good one.

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