Public Liability Insurance

Public Liability Insurance covers the group if it is required to pay compensation and legal costs for a claim made against the group for personal injury or property damage (or both). This type of insurance provides coverage in circumstances where the group is found to be legally liable.

Generally, the injury or damage must occur on the premises occupied by the association or while the association was meant to be exercising a supervisory role. It is strongly recommended that an organization that has premises or arranges excursions should have adequate public liability insurance to cover it against being sued for negligence.

Volunteers Injury Insurance

If you have volunteers working for your organisation, have you thought about who will compensate them if they have an accident while they are working for you?

Because volunteers may not be eligible for cover under workers compensation, their income or medical expenses may not be covered if they are hurt while working. So it’s important that you ensure your volunteer workforce is protected against the potential financial loss that injuries can bring them.

Alliance understands the important role volunteers play, so we have designed an insurance policy that provides cover for expenses resulting from minor or serious injuries that people who are performing volunteer work may suffer while under your control.

Policy benefits and entitlements:

• Lump sum payments for death and permanent disabilities from accidents
• Home help payment due to injuries for non-income earning persons
• Covered losses are insured for up to 12 months after the accident
• Tutorial benefit payment for full-time students who are injured

Coverage sections of the policy:

• Accidental death
• Broken bones due to injury
• Temporary total disablement due to accident
• Permanent and partial disability due to accident

Club Management Liability Insurance

When you give your time and energy to a club, you want to make certain you are not risking your personal or the organisation’s financial security. That’s why you need the facts about Alliance Insurance’s Club Management liability insurance, which helps protect you and the organisation in the event of a legal action. Our policy specifically addresses the exposures clubs face every day.

In today’s litigious society, even clubs run the risk of being sued for an extensive list of alleged wrongdoings, such as:

• Discrimination (age, race, sex, employment, membership)
• Harassment
• Wrongful termination of employees
• Inefficient administration or supervision
• Waste of assets
• Misleading reports or other misrepresentations
• Libel and slander
• Acts beyond granted authority
• Employee theft