Industries / Clubs, associations and not-for-profits
Clubs, associations and not-for-profits: the covers businesses usually need
Incorporated associations, charities, sporting clubs and industry bodies are run by committees and depend on volunteers. Their exposures are the decisions of the committee, events and the people involved.
What can go wrong
The exposures that drive claims in clubs, associations and not-for-profits.
Committee decisions
Committee members can be sued for decisions they make, for example by members, employees or regulators. Management liability covers the organisation and its office holders.
Events and venues
A spectator or participant is injured at an event, or a hired venue is damaged.
Volunteers and players
Volunteers and players are usually not covered by workers compensation. Group personal accident pays benefits if they are injured.
Funds and data
Treasurers handle member money, and membership lists hold personal details. Theft and fraud are common losses for clubs.
NoteAssociations that advise their members, such as professional bodies, can also need professional indemnity insurance.
Covers the lookup lists
What the industry lookup lists for typical businesses in this industry.
These are the results of the Cuttleflow industry lookup (release exp-0.7.0) for the businesses below, before any questions are answered. Answers about staff, vehicles, premises, contracts and the state change the list. Covers the lookup lists only as “consider” are left out here. Every class on the Commons wordings is available on Cuttleflow Go; “On Cuttleflow Go” links to the class. A Marketplace class is also placed by brokers through the Cuttleflow Marketplace.
- Charities · ANZSIC 9559 Other Interest Group Services n.e.c.
- Sporting clubs · ANZSIC 9112 Sports and Physical Recreation Clubs and Sports Professionals
- Industry associations · APRA JPRASS Association - Professional
| Cover | Lookup tier | Where it is written | Listed for | Why it is listed |
|---|---|---|---|---|
| Workers compensation | Must have Compulsory where it applies | Statutory scheme (depends on state) | All of these businesses | Employers must hold workers compensation cover in every state and territory, apart from limited wage-based exemptions. Depends on: how many employees does the business have, not counting owners. |
| General liability | Recommended | On Cuttleflow Go | All of these businesses | Almost every business deals with customers, visitors or other people's property, so it can be held liable for injury or damage. |
| Management liability | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Committee members of associations can be personally liable for decisions. |
| Commercial motor | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | The business owns or leases fewer than ten vehicles used for work. Depends on: how many vehicles does the business own or lease for work; does the business own or lease vehicles used for work. |
| Motor fleet | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Ten or more vehicles can be insured as a fleet, priced partly on the fleet's own claims record. Depends on: how many vehicles does the business own or lease for work. |
| Business package | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | The business has premises, stock or equipment that fire, storm, theft or water damage could destroy, and it would lose income while it rebuilds. Depends on: does the business have premises, stock or equipment at a fixed site. |
| Professional indemnity | Recommended | On Cuttleflow Go | Industry associations | This occupation gives advice or a professional service that clients rely on, so an error can cause them financial loss. |
Classes on the Commons wordings
Classes for this industry on Cuttleflow Go.
Management liability
See the class →
On Cuttleflow GoPublic and products liability
See the class →
On Cuttleflow GoGroup personal accident and sickness
See the class →
On Cuttleflow GoCyber
See the class →
On Cuttleflow GoComprehensive crime
See the class →
On Cuttleflow GoProfessional indemnity
See the class →
Brokers
Win clients in clubs, associations and not-for-profits
Put the industry lookup and an indicative price on your own channels, and take leads from the public marketplace when it opens. Place every risk once, with every market in the class, on the same wording.
Underwriting agencies
Write this business on Cuttleflow Go
Your own rates and rules on the Commons wordings, quoted to your brokers from day one and to Marketplace brokers when the class opens.
General information. This page is not advice about any business and does not recommend any insurer or product. The lookup’s rules are a first draft and have not yet been reviewed by an underwriter or a lawyer. Check each cover against the circumstances and the policy wording, and check compulsory insurance with the regulator in the relevant state. Industry classes: Australian Bureau of Statistics, ANZSIC 2006 (cat. no. 1292.0), © Commonwealth of Australia. Professional occupations: APRA National Claims and Policies Database.
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