Rugby Admin
Rugby Australia has arranged the National Risk Management and Insurance Programme (the Programme) on behalf of our Member Unions, their Affiliate Unions, Clubs and Referee Associations. Rugby Australia does not hold an Australian Financial Services licence so it relies on the exemption in the ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751 to offer the Programme.
All Clubs affiliated with Rugby Australia and/or the various Member Unions are automatically covered under the Programme annually. All participants (Players, Coaches, Officials etc) must be registered with Rugby Australia in order to obtain coverage under the Programme. If any entity covered by the Programme would like to receive a copy of the terms and conditions of the insurances included in the Programme, they can contact the Gallagher Sports team (sport@ajg.com.au) who will provide this information free of charge within a reasonable time of the request.
Participation in the Programme is compulsory for all Clubs competing in competitions managed by Rugby Australia and/or Member Unions, and a National Contribution to the Programme is payable by all Players upon registration.
Whilst the Programme provides basic levels of cover for players and other participating in Rugby, it is not all encompassing (this is necessary to keep the cost of protection affordable for all players) and it does not seek to replace the need for other insurances. Rugby Australia does not provide any financial product advice in relation to the insurances in the Programme. Relevant Organisations and individuals covered by the Programme should consider obtaining their own advice to determine whether it is suitable for them and whether they need to take out their own private health insurance, life insurance and/or 'Top-Up' insurance, over and above the coverage provided under the Programme.
Rugby Australia suggests undergoing risk management processes to proactively identify risks which may result in claims against Rugby Australia Member Unions, Associations, Clubs and Entities.
The Match Day Inspection Checklist is a risk management tool that should be completed prior to each match day and is designed with amateur sports volunteers in mind to assist with the process of identifying risks on the day and steps to prevent injuries/incidents occurring.
The Guidelines for Temporary Structures gives Clubs and Associations guidelines on appropriate set-up, use and dismantling of elevated platforms and other temporary structures. These temporary structures are typically used as a filming location at community rugby matches. These guidelines have been developed in consideration of the Public and Products Liability policy in the Rugby Australia Risk Management and Insurance Programme. It is important to note that other Codes, Rules and/or Regulations stipulated by Local Council or Government may also need to be considered at your Venue. Failure to adhere to these guidelines, or other local requirements, may prevent effective liability coverage under the Programme.
Sanctioned Events are tournaments and/or matches conducted outside approved regular competitions, competition coordinated pre-season trials, inter association matches and/or other representative matches and programs. Any such Sanctioned Event must receive formal sanctioning approval from the relevant Member Union who has authority to sanction events, tournaments and matches which are conducted within their respective jurisdictions.
Capacity exists under the Programme to extend cover to a Sanctioned Event on a one off or short-term basis. The policy can only be extended with sanctioning approval of the respective Member Union.
Entity Teams are associations, incorporated entities, organisations or groups of persons who wish to play and train but not necessarily form, or be part of, a Club, regular Competition or Special Event. Approval for an Entity Team is rare, but where approved by a relevant Member Union, they may obtain insurance provided that they meet certain requirements related to safety and governance.
If you wish to notify an incident or make a claim for General Liability, Professional Indemnity or Management Liability, please contact the Gallagher Sport Team (sport@ajg.com.au) and the RA Community Rugby Team (communityrugby@rugby.com.au).
To submit a claim following a Personal Injury, please visit the Rugby Australia Injury Reporting page to first report the details of the personal injury and receive information for submitting a claim. Personal Injury claims are managed by the Insurer (SLE Worldwide) for Rugby Australia as part of the National Risk Management and Insurance Programme.
Please note - players participating in School based competitions are not eligible to make an insurance claim.
Rugby Australia does not receive any commissions, fees, remuneration or other financial benefits from the insurer(s) that support the insurances within the National Risk Management and Insurance Programme. Rugby Australia does not charge a margin for its services in arranging for players and others participating in Rugby to have access to the insurances within the Programme. Gallagher is the appointed insurance broker and they may receive commission or other benefits for their role in placing the insurance - see their Financial Services Guide for details.
Rugby Australia (or Gallagher as the broker) will give entities covered under the National Risk Management and Insurance Programme reasonable notice:
- If it is not reasonable for them to expect that the Programme will insure them for the period of insurance that Rugby Australia represented to them; or
- If one or more of the insurances in the National Risk Management and Insurance Programme is or is likely to be cancelled, discontinued or not renewed and there will be no replacement with another insurance product.
Rugby Australia will compensate covered entities and individuals who are protected by the insurance (including players and others participating in Rugby) if it fails to give them reasonable notice of the above events and they suffer loss or damage as a result of this.