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SOFTBALL VICTORIA
INSURANCE
PRESENTATION
PRESENTED BY
ROB VEALE
6 AUGUST 2016
AGENDA
Who is Willis and V-Insurance
Who are our clients
Insurance Policies in Place for Softball Australia
Summary of Cover in place currently
Insurance Documentation
Risk Management
Trends in Sports Insurance
Lease Agreements
Common Questions
Service Team and Contacts
Questions / Suggestions
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PRESENTER
ROB VEALE
Managing Director
V-Insurance Group
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WHO IS WILLIS? One of the world’s largest insurance brokers.
Operating in 120 Countries and employs 17,000 worldwide.
Offices in every state of Australia
Founded in 1828 and has operated in Australia for over 50 years.
Recently merged with international consulting company Tower Watson, now has 39,000 employees and turnover of $8 billion.
Sports Corporate
- Athletics Australia - Australian Canoeing - BHP
- Australian Little Athletics - Baseball Australia - Pepsi
- Basketball Australia - Bicycle NSW - Lion Nathan
- Bicycle QLD - BMX Australia - Macquarie Bank
- Diving Australia - Mountain Bike Australia - Royal Flying Doctors
- Major League Baseball (US) - Netball Australia
- Pedal Power ACT - Rowing Australia
- Scouts Australia - Table Tennis Australia
- Tenpin Bowling Australia - National Basketball League
- Triathlon Australia
WHO IS V-INSURANCE?
■ Corporate Authorised Representative of Willis.
■ All the benefits of a large corporate remain with a more flexible and better resourced
front end service team.
■ Legal protection and Treasury are with Willis.
■ V-Insurance look after all the sports, leisure and recreation clients for Willis Tower
Watson Australasia.
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SOME OF OUR CLIENTS
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INSURANCE POLICIES IN PLACE
FOR SOFTBALL VICTORIA
There are Five (5) insurance policies taken out by Softball VIC which cover all members and optional club property insurance.
POLICIES WHICH FORM PART OF MEMBERSHIP
■ Personal Accident Insurance
■ Public Liability / Professional Indemnity
■ Management Liability (Directors and Officers Insurance)
■ Travel Insurance
■ Cyber Liability and Privacy Protection Insurance
OTHER OPTIONAL POLICIES AVAILABLE
■ Property Insurance for Clubs
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SUMMARY OF COVER
PUBLIC LIABILITY
Who is Insured
Softball VIC, all registered members of Softball VIC, including all affiliated associations /
clubs, Officials, Coaches, First Aid Personnel Executives and Voluntary Workers
Scope of Cover
Provides cover for insured entities and persons that are held liable for a negligent act
that results in property damage of bodily injury whilst:
• Participating in club activities and games
• Training and official events organised by the insured
• Travel to and from the above activities
• Engaged in activities connected with the sport whilst staying away from home during
a tour for the purpose of participating
SUMMARY OF COVER
PUBLIC LIABILITY CONT.
• Policy Limits
Public & Products Liability $20,000,000
Professional Indemnity $10,000,000
Policy excess: $250
Territorial Limits: Worldwide
Note: Payment of the excess is the responsibility of the defending party and will
not be paid by Softball VIC unless agreed otherwise
Insurer: ATC Insurance Solutions Pty Ltd
(security Lloyds of London)
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SPORTS PERSONAL ACCIDENT
INSURANCE DOSENT PROVIDE
100% COVER
V-Insurance Group has arranged this insurance program to provide benefits to
members, officials etc of Softball VIC who, through injury or accident, incur
financial loss and who would otherwise not have received assistance. The
program seeks to provide benefits to those most exposed and to maintain
protection at the lowest possible cost to membership. It therefore cannot
provide 100% cover or a benefit for every loss that occurs. Federal Government
Legislation prevents insurance companies from paying any insurance benefit
for a medical service that is covered by Medicare. This legislation also applies
to the Medicare gap. In addition to these policies all members are encouraged to
consider taking out Private Health, Income Protection Insurance and Life
Insurance if their individual circumstance require it.
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SUMMARY OF COVER
PERSONAL ACCIDENT
Who is Insured
Softball Victoria, all registered members of Softball VIC, including all affiliated
associations / clubs, Officials, Coaches, First Aid Personnel Executives and Voluntary
Workers
Scope of Cover
Whilst participating in sanctioned Softball VIC activities including all;
a) Official games
b) Training and trialling
c) Official social events and fundraising activities
d) Staying away from your home district during a tour for the purpose of participating in representative games.
e) Travel to and from the above activities
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SUMMARY OF COVER (cont.)
PERSONAL ACCIDENT (cont.)
Age Limits
2-100 years of age
Death and Permanent Injury Benefits
Death (aged 18- 75 year olds) $200,000
Death (under 18 and over 75 year olds) $20,000
Capital Benefits (2-100 year olds) $250,000
Non Medicare Medical Expenses
85% up to $4,000 for members ($5,000 for volunteers)
$20 excess, $nil if covered by private health
(100% for ambulance only and no excess)
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SUMMARY OF COVER (cont.)
PERSONAL ACCIDENT (cont.)
Non Medicare Medical Expenses (cont)
Policy Conditions• Government prohibits insurance on Medicare Expenses
• Cover only applies for 52 weeks from the date of injury – Non Medical Medicare
Loss of Income
100% of weekly income up to a maximum of $500 per week, whichever is the lesser.
Excess: 7 daysBenefit Period: 104 weeks
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SUMMARY OF COVER
MANAGEMENT LIABILITY
Who is Insured
Directors & Officers of Softball Victoria including all affiliated Associations / Clubs and
any appointed sub committees
Policy Limits
Limit of Liability $5,000,000 any one claim and in the aggregate
Policy excess: $5,000 (Nil excess for Office Bearers Liability)
Provides indemnity for breaches of duty by directors / officers resulting in financial loss
Other Policy Covers
Association Liability is made up of the following five (5) covers;
- Directors & Officers Liability - Professional Indemnity
- Employment Practices Liability - Fidelity (theft by volunteers/staff)
- Statutory Liability (Fines and Penalties)
Insurer: Berkley Insurance Australia
SUMMARY OF COVER
TRAVEL INSURANCE
Who is Insured
Softball VIC including all Directors, Executives, Employees, Officials, Volunteers,
Authorised Members and their accompanying spouses and/or partners and
dependant children whilst engaged on authorised business travel
Policy Benefits
Some of the policy benefits include;
- Medical Expenses - Cancellation / Curtailment Expenses
- Loss / Theft / Delay of Baggage - Rental Car Excess Waiver
- Rental Car Excess Waiver - Kidnap and Ransom
- Loss of Income - Death and Capital Benefits
What is Excluded
- Sporting Equipment whilst in use
- Pre Existing Injuries / Illnesses
Insurer
Accident & Health Underwriting (Security CGU Insurance)
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CYBER LIABILITY
Cover
- Privacy Protection – third party claims from a failure to keep data secure
- Breach Costs – reimbursement of your own costs when a data breach occurs
- Cyber Business Interruption – Compensation for lost or reduced revenue
- Cyber Liability – Third party claims as a result of content in email, on the internet, extranet or website
- Hacker Damage – Reimbursement for costs to repair, replace or restore systems and data as a result of a hack
- Cyber Extortion – payment of ransom demands and specialist consultant fees, where a hacker holds or threatens to hold your website, extranet, intranet, network, programs or data to ransom
Policy Limits: $1,000,000 any one claim
Excess: $1,500 each and every claim
Insurer: DUAL Australia
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PROPERTY INSURANCE
V-Insurance has in place a national property insurance program
that any Association, League or Club can access.
There are a number of unique benefits to this program. Please
contact V-Insurance Group to find out more and receive
personal advice
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INSURANCE
DOCUMENTATION / RESOURCES
The following resources and documentation have been put in place:
■ Insurance Website including:
■ Policy Wordings
■ Claim Forms
■ Certificate of Currency
■ Summary of Cover Flyers
■ Game Day Checklist (app coming!)
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HOW TO MAKE A CLAIM
PERSONAL ACCIDENT CLAIMS
■ Claimants complete a Personal Accident Claim form. Personal Accident Claim Forms
are available for download on the V-Insurance Group website;
www.vinsurancegroup.com/softball. Alternatively please contact V-Insurance Group on
1300 945 547 or email: [email protected]
■ Claim form and supporting documentation are to be sent to Accident & Health
International claims department.
■ Accident & Health will confirm receipt of your claim and advise whether they require
further information.
PUBLIC LIABILITY CLAIMS
■ In the event of a liability claim, do not admit liability under any circumstances. Please
contact V Insurance Group immediately to notify any incidents on 1300 945 547.
■ Note: Phones are manned 24 hours a day.
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COUNCIL LEASES/AGREEMENTS
■ Check the agreements your club has with the local council or property
owner.
■ You may have agreed to indemnify them for something that is not covered
by insurance.
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RISK MANAGEMENT
Risk Management helps to avoid insurance claims.
■ Ensure Clubs Check their facilities and premises before each event or
training session. You have a duty to provide a safe environment for people
that enter or use your premises.
■ Complete the Working with Children documentation.
■ Ensure more than one person is accountable for money.
■ Have documented procedures in place when dealing with disciplinary
matters and complaints….. And follow them!
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RISK MANAGEMENT (Cont..)
■ Consider safety during cross training activities, live in camps and
fundraising activities.
■ Ensure all coaches are suitably qualified.
■ Inform members about insurance (refer handout). Review words on
membership application.
Don’t use insurance as an excuse for
poor risk management!
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TRENDS IN SPORTS INSURANCE
Increase in liability claims
Personal Accident costs increasing. Medical Services charging more, new treatments
available and more frequent treatment
Increase in sexual interference / molestation claims
Increase in contractual disputes – non selection, suspended members
Increase in employment related liability claims – bullying, wrongful dismissal, of staff,
aggrieved members that have been suspended
Increase in claims against coaches – incorrect training techniques
Increase in Cyber hacking & extortion
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COMMON QUESTIONS
How do I obtain a Certificate of Currency?
You are able to download a copy of your Certificate of Currency online at
www.vinsurancegroup.com/softball
If you need to nominate a municipal council, property owner or other third party
on your Certificate, please contact V-Insurance Group.
What is a Sanctioned Event / Training?
Activities and events that are approved by Softball VIC.
Are temporary / trialling members covered by insurance?
Yes.
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SERVICE TEAM & CONTACTS
ROB VEALE
Managing Director
CHAD ARMSTRONG
Account Manager
SHAUNA HEWITT
Account Broker
HARRIET SMITH
Assistant Broker
CONTACT DETAILS
Address: V-Insurance Group, Level 28, Angel Place, 123 Pitt Street,
SYDNEY NSW 2000
Ph: (02) 8599 8660 or National Toll Free 1300 945 547
Email: [email protected]
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THANK YOU
