AFLQ Affiliate Conference

1. AFLQ Affiliate Conference 17 November 2012

2. Club Management Liability Personal Accident Public Liability The National Risk Protection Programme • Basic aspects of coverage • Claims Examples • The role of your organisation in the Insurance programme

3. Public Liability • What is it? • Protection for your club if you are sued for personal injury or property damage arising from your alleged negligence. • Addresses investigation and representation costs, as well as any financial settlement required. • Risk management is paramount is satisfying your club’s duty of care. • $1,000 excess per claim applies.

4. Public Liability • Claim examples • Football kicked into crowd, causing injury to spectator. • Spectator falls down stairs of your clubhouse and injures himself. • Player runs over sideline into the boundary fence and cuts himself on perimeter fencing.

5. Club Management Liability • What is it? • Protection for your office bearers and club if accused of a wrongful act or breach of professional duty. Also has provisions for fidelity (theft by employee/volunteer). • Due diligence is required to ensure that the policy responds as intended. • Variable excesses (nil - $5,000) per claim.

6. Club Management Liability • Claim Examples • Club is sued by coach for wrongful dismissal (employment practices liability) • President is sued for defamation following comments published in the club’s newsletter or matchday program. • Treasurer embezzles registration monies, resulting in financial loss to the club.

7. Club Management Liability • Due diligence • Appropriate controls and measures • dual signatories on bank accounts • audits of finances • adherence to policies and procedures • Report any suspected loss as soon as discovered • no cover for subsequent losses • policy is insured on a “claims made” basis – if it isn’t notified, the insurer can refuse to indemnify the claim.

8. Personal Accident • What is it? • Protection for players, coaches, trainers, officials, volunteers in the event of suffering an injury while acting on behalf of the club. • Cover across 3 main areas: • Capital Benefits • Non-Medicare Medical expenses • Loss of income (optional cover) • Upgraded cover is available (AFLQ upgrades all teams to platinum)

9. Personal Accident • What is NOT Covered? • Medicare related costs, including the Medicare gap, can not be insured under the AFL programme. • Costs incurred once a player is able to resume playing. • Spectator injuries.

10. Personal Accident and Private Health Insurance • JLT strongly recommends all players consider purchasing private health insurance • The personal accident policy provides a base level of cover only, out of pocket costs can still be significant.

11. Impact of Private Health Insurance Figures based on an average of 10 claims at a leading PHI fund * figures based on Bronze and Silver JLT cover + highest cost of a treatment over a 12 month period at a leading PHI fun

12. Personal Accident • Your role • Monitor your injured players where possible. • Ensure that companies that act on behalf of the club are familiar with the policies in place • Some physios do take advantage of over-treating injured players • Follow up - are claims finalised once the player returns to the field? • Approx. 20% of claims costs are dueto over-servicing • = 20% impact on premiums

13. www.jltsport.com.au jltsport@jlta.com.au 1300 130 373 Thank you