Golf Australia
Clubs & Facilities Support Portal
Financial Management and Insurance

Insurance

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

Insurance Quote

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.

Personal liability arising from the use of a motorised or non-motorised golf buggy in the act of playing golf is also included, whether the golf buggy is owned by the club or the member.  

See the attachments below for more details and for the claim form.

The cover is provided up to a limit of $20 million.  Player's Personal Liability Schedule 2017.pdf

 

Club Insurance Options for Increased Cover

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.

 

Golf Australia