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.

Call CPR – Experts who will save you.

Latest News

Robert Cooper - one of 100 faces of small business

This week it was announced as part of Small Business Week,  that Robert has been named one of the 100 faces of small business for a State Government promotion on the great value that small businesses play in the State of Queensland.

You can see Robert's entry here:

It is the third accolade for CPR Insurance Services in a month and after seven and a half years in business is a real pep up for the company.

For Robert, it is the culmination of many years experience, becoming well qualified, experiencing the highs and lows of a career and always wanting to contribute to his community. Sometimes, these things just come together and you receive recognition for your efforts.

Robert says that there is no doubt that starting your own business is a huge challenge, but with the right research and planning, the right people around you and a good set of values that you apply to the vision of the company, you have a very good chance of making it all succeed.

Robert says he is lucky. He has a strong supportive Wife, Mandy, who is also part of the business, along with efficient and hard working staff such as Julia McLauchlan and Aidan Harmer who are building up their own skills in a learning environment. 

However, the most important and most supportive people for CPR Insurance Services are our clients who have stuck by us and supported us over the past seven years. Our focus remains on providing the best possible service we can and always acting in their best interests. To all our clients, we say thank you!

read more

CPR Insurance wins Brokerage of the year

CPR Insurance Services picked up the award for the Best Brokerage (1-5 staff) in Australia, last Friday Night (4th May 2018) at the Insurance Business Magazine Awards held at the Westin in Sydney.

Judging came from various parts of the industry. It is a great honour to be recognised for our hard work and particular Business values we follow. A full list of winners is listed here.

Success comes from having great staff, and we thank Aidan Harmer and Julia McLauchlan as important support staff for helping us win such an award.

CPR Insurance has been in operation for more than 7 years now and is only successful because of the wonderful support from our staff, insurers and most importantly, our fantastic clients who put their faith and trust into our company to be their Risk Advisers and Brokers. 

Thank you to all.

read more