It is vital that your club protects its assets with adequate insurance.
Insurance is a common risk management tool that may minimise your club’s liability. However, insurance is a reactive rather than a pro-active risk management tool and therefore other risk management strategies should be adopted in order to reduce the risk from occurring.
Examples of legal claims that clubs can be exposed to:
- negligence claims – e.g. personal injury or decisions made
- criminal liability – including claims for sexual offences and discrimination
- occupier’s liability
- work health and safety
- employment liability – e.g. unfair dismissals
Types of Insurance
Your club’s risk assessment process will identify the type of risks that the club could be exposed to. This will then help determine whether insurance is available and appropriate.
Some policies that may be applicable to your club include:
- Public liability insurance
- Professional indemnity insurance
- Directors and officers liability insurance
- Associations liability insurance
- Personal accident insurance
- Work health and safety cover
- Workers compensation
- Property contents insurance
- Fidelity insurance
- Building insurance
- Travel insurance
It is recommended that an Insurance Checklist should be used on an annual basis to manage your club’s insurance. See attachment below.
Players Personal Liability Insurance
Golf Australia maintains a Player’s Personal Liability Insurance Policy for all members of affiliated golf clubs.
Broadly this policy covers the legal liability of your members to pay compensation for personal injury or property damage which occurs while playing or practising golf or attending a golf event or venue as a player, guest or spectator.
See the attachments below for more details and for the claim form.
The cover is provided up to a limit of $20 million. GOLF AUSTRALIA LTD – Sportscover Schedule(4).pdf
Golf Australia has also arranged further optional policies that clubs can elect to take up to cover members. (See attachments below)
(i) Personal Accident Insurance
(ii) Personal Equipment Insurance
Business Insurance for Golf Clubs
Australian Golf Insurance (AGI) is an exclusive insurance scheme that provides tailored, quality cover for golf clubs.
The policies include cover for golf club's property, liability, professional indemnity, management liability and voluntary workers risk.
The policy is accessible by golf clubs through any licensed insurance intermediary (broker) and therefore clubs are not required to change their broker relationship.
- For further inquiries or to obtain a quote, click on the link: Australian Golf Insurance