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

Three Years running - Insurance Brokerage of the Year 1 to 5 staff

Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance Business Australia magazine. This is the third year running.

While this year has not been the easiest of years for the business with Covid 19, the Recession, the hard market and issues at Lloyds of London, we are literally all in this together as an Insurance Industry.

CPR Insurance Services continues to make our clients the number one focus of our business while managing our relationships with Insurers, who we need more than ever in this market climate.

CPR Insurance Services are a highly ethical Brokerage with a reputation as a trusted advisor who always acts in the Client's best interests. Their experience, knowledge and expertise is amongst the highest in the industry.

CPR Insurance Services is now ten years old as a business and is proud of being an Authorised Representative of Ausure and their partnership with Steadfast, giving CPR the strength and backing to match it with any Broking firm in the Insurance Industry, but remain focussed on supporting the Small to Medium business segment.

Memberships of the National Insurance Brokers Association, Australia and New Zealand Institute of Insurance and Finance, Australian Insurance Law Association, Australian Professional Indemnity Group and the Australian Institute of Company Directors, ensures CPR Insurance Services maintains the high standard of knowledge and expertise required to be one of the best Brokerages in Australia.

CPR Insurance Services also plays a strong role in their local community supporting other Sporting Clubs and Community organisations. They also support and promote local businesses with their operation of the Kedron Brook Business Group who meet regularly and has 174 members.

We are truly honoured to receive this National award once again for the third year as a recognition of CPR Insurance Services contribution.

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Finalist for QLD Broker of the Year

Robert Cooper was honoured to be nominated as a finalist for Queensland Insurance Broker of the year for 2020, as part of the National Insurance Brokers Association. Unfortunately he missed out on the ultimate award but is a reflection of the high standard that the industry now has for such awards.

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