Public Liability Insurance

Public Liability Insurance may provide cover for compensation and legal costs arising from certain third-party injury or property damage claims where cover is available under the policy.

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. Organisations may wish to consider whether public liability insurance is appropriate for their circumstances. Reach out to your broker for more information.

Volunteers Injury Insurance

If volunteers support your organisation, have you considered what would happen if one of them was injured while carrying out volunteer duties? Who would help cover the financial impact of that accident?

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 recognises the valuable contribution volunteers make to organisations and the community. Volunteer Personal Accident Insurance is designed to assist with certain costs that may arise if a volunteer suffers an injury while undertaking authorised volunteer activities on behalf of your organisation, subject to the policy terms, conditions, exclusions and limits.

Depending on the policy wording, policy benefits and entitlements may include:

• 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

Before deciding whether to acquire this insurance, consider the Product Disclosure Statement and Target Market Determination (if applicable) to understand if the product is suitable for your needs.

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. Club Management liability insurance is designed to help protect you and the organisation in the event of a legal action.

Examples of risks that may be covered under the policy, subject to the terms, conditions, exclusions and limits of the policy, include:

• 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