Public and Products Liability; Professional Indemnity; Personal Accident (Sports Injury); Association Liability insurance for affiliated State Associations and clubs; Corporate Travel for approved athletes, managers and officials; Industrial Special Risks insurance for listed premises; Machinery Breakdown and Electronic Equipment cover and Property and Equipment cover for all State Associations and clubs.

This program covers all trialling members, members, officials, accredited coaches, directors, executives and volunteers of Athletics Australia. The Public and Products Liability/Professional Indemnity policy also covers members of the following groups:- Running Australia, AA approved event promoters and race directors, Australian Ultra Runners Association, Australian Federation of Race Walking Clubs, Australian Masters Athletics Inc, Australian Mountain Runners Association and Australia Athletics Confederation.

Coverage is provided automatically as part of your Athletics club membership. For membership enquires please contact your State Athletics Association.

Yes, a club's premises and its contents are covered under this Program for any material damage or theft for up to $20,000. If you would like a quotation for a higher level of cover, please contact Willis Australia on 1300 945 547 or send an email to sports.au@willis.com Property owned by the State Associations are insured if listed on the schedule provided to Athletics Australia.

1. Ensure that all participants are registered members of an Athletics club prior to commencing their activities.
2. Actively encourage coaches to undertake accreditation courses.
3. Keep an injury register/record of all injuries sustained in any Athletics related activity.
4. Ensure that you are incorporated (and maintain your incorporated status) and your bylaws are current and up to date (including the provision of appropriate Discipline and Grievance clauses and Procedures).

Please address any complaints regarding the Athletics Australia Insurance Program to Willis Sport and Leisure via email to sports.au@willis.com or mail to PO Box Q216, QVB Post Shop 1230.

Willis is the licensed insurance broker who has arranged this insurance program on behalf of Athletics Australia and its members. They act of behalf of Athletics Australia and not any insurer. Willis is one of the world's largest insurance brokers. They have operated in Australia for almost 50 years, with offices in all States and the Australian Capital Territory. More information on Willis can be obtained by visiting www.willis.com.au

Public and Products Liability insurance is designed to protect you in the event that you are sued by a third party for injuries caused to them or any damage caused to their property. Public Liability insurance will cover the cost of compensation to the third party, should you be found negligent including any associated defence costs.

Product liability insurance will cover you in the event that any goods that you supply cause injury, illness, loss or damage to a member of the public. This could include food prepared and sold at a fundraising day.

Professional Indemnity insurance will cover you in the event that you are sued by a person who claims they were injured as a result of your professional negligence. This insurance mainly provides cover for registered coaches or officials who give advice when a member is training or competing in an event

There is a $1,000 excess for each and every occurrence for Public and Products Liability Personal Injury, Property Damage and Professional Indemnity claims.

The payment of the $1,000 excess is the responsibility of the defending party and will not be paid by Athletics Australia unless otherwise agreed.

Administration, promotion, organisation and participation in Athletics activities including sanctioned training sessions and training camps, coaching, the rendering of first aid, provision of food and drink, publication of newsletters, sale of merchandise, property owners or property occupiers liability, social activities including awards presentations, fundraising, BBQ's and other social gatherings.

Please note that some fundraising and extreme training techniques may not be covered by the definition of "Activities Covered" in this policy e.g. bungee jumping, car rallies, bull riding rodeos etc. Please contact Willis on 1300 945 547 if you are unsure as to whether you require insurance cover for any other activities.

Sanctioned activities are those activities that are approved by Athletics Australia or their affiliated State Associations or Clubs. Sanctioned activities include events that are organised by these groups. Training sessions are designated to be sanctioned if they are diarised, prior to the training session commencing.

If you are asked to provide proof of insurance by anyone (e.g. local council or a property owner) you will require a Certificate of Currency. Certificates of Currency are available from Athletics Australia or its affiliated State Associations. A Certificate of Currency is also located on this website by clicking here.

Yes, Association and club fundraising activities are automatically covered under the National Insurance Scheme. These activities may include but are not restricted to trivia nights, presentation nights, membership drive sausage sizzle at the local shops etc. However, some activities such as the use of jumping castles could be excluded under the policy. Please refer to Willis for confirmation that the activity is covered.

No, external contractors should carry their own public liability insurance.

Thoroughly read any agreement before signing. A lease/hire agreement is a legal document and as such it would always be advantageous to have a suitably qualified legal expert review any hire/lease agreements.

In most cases lease/hire agreements will make reference for insurance or include an indemnity/hold harmless clause. It is our recommendation that you refer any agreements containing these clauses onto our office to ensure you are aware of any insurance implications.

Personal Accident insurance is a policy that covers you in the event that you are injured whilst participating or travelling to or from training or events that are sanctioned by Athletics Australia or their affiliated State Associations or clubs. The policy will pay out an income or a lump sum in the event of disability, disablement or death, caused by an accident.

The Personal Accident policy covers items such as death, disablement, non-Medicare medical expenses, loss of income, student tutorial costs, domestic home help costs and parental assistance. You are covered for injuries even if the accident was your fault.

Cover applies in the following circumstances:

1. Competing in official club, state and national events
2. Organised training or practice sessions for activities as described in (a) above.
3. Travelling directly between activities in (a) or (b) above, and your residence or place of employment.
4. Staying away from your home district during a tour for the purpose of participating in sanctioned activities
5. Engaging in voluntary, administrative or organised social activities of Athletics Australia or its affiliated Associations or Clubs.

This is a personal decision. However, it must be remembered that the personal accident cover is limited to keep the costs as low as possible.

Organised training is training that is approved by either Athletics Australia or an affiliated State Association, your club or a coach. You must keep a record, prior to the training session commencing of any individual training that you are undertaking in case an accident occurs.

1. Advise your club official who will arrange for an incident report form to be completed.



2. A claim form will need to be completed and submitted as soon as possible. The declaration on the claim form needs to be signed by your club and then forwarded to your State Association. If you have any questions or require assistance, please contact Willis Insurance brokers on 1300 WILLIS (i.e 1300 945 547).

A claim form is located on this website by clicking here. Alternatively, please contact Willis Insurance brokers on 1300 WILLIS (i.e 1300 945 547).

A claim form should be completed and submitted as soon as you become aware that you will be making a claim. You do not have to wait until after you have completed treatment for your injury. Please note that any treatment rendered necessary by injury must be completed within 12 calendar months from the date of such injury occurring for expenses to be covered.

No, the Health Insurance Act (Cth) 1973 does not permit the Insurer to contribute to any charges covered by Medicare (including the Medicare Gap). This means that any charges for treatment from a Doctor, Surgeon, Anesthetist or Surgeon's Assistant are not covered. It also means charges for X-Ray, some MRI Scans (if Medicare registered) and Public Hospitals are not covered. In addition, there will be no refund in respect of:

1. any expenses recoverable by You from any other insurance scheme or plan providing medical or similar coverage or from any other source except for the excess of the amount recoverable from such other policies/plans.
2. any expense to which the National Health Act (Cth) 1953 or any of the regulations made there under apply.

Capital Benefits section:	Maximum Benefit:

Insured Persons 3 to 80 years (85 years for voluntary workers)	$100,000 (Death) $175,000 (Paraplegia and Quadriplegia)
Insured Persons Under 18 - Accidental Death Only	$ 20,000 (Death) $175,000 (Paraplegia and Quadriplegia)

Non-Medicare Medical section:

Insured Persons aged 3 to 80 years (85 years for voluntary workers).

Loss of Income

Insured Persons aged 3 to 80 years (85 years for voluntary workers).

52 weeks.

There is a $100 excess (Nil if privately insured) in respect to making a claim for non-Medicare medical treatment. If you are making a loss of income claim you are subject to a 7 day elimination period which also takes into account any accrued sick leave or other entitlements. This means that any loss of income during this period is not claimable.

Yes, Ambulance transport is a non-Medicare medical expense and as such covered under the Personal Accident section of the Program (up to the limits that you are entitled to).

You must initially claim on your Private Health Insurance and then claim on the National Program for any non-Medicare medical costs that exceed the limits of your Private Health Insurance.

Yes, you can claim loss of income benefits if you work on a full time, part time or casual basis. The weekly accident benefit is 80% of your net weekly income up to a maximum of $600 per week, whichever is the lesser. Please note that your employer needs to complete the loss of income section of the claim form.

Yes, you can make more than one claim during the year. It is important however, that you obtain a clearance from your treating physician prior to returning to athletics.

Barry is a 25 year office worker who has injured his leg whilst competing in a local club hurdles race. He has been advised by his local doctor that he has to undertake physiotherapy treatment, as well as have some x-rays. He is advised that he requires surgery. Barry has a weekly earning of $1,000 net per week. As a result of his injuries, he has 12 weeks off work. He does not have any Private Health cover.

PAYING THE CLAIM

Medical Expenses
(Government legislation does not allow General insurers to cover any costs subject to a Medicare rebate)
Private practitioner visit		Covered by Medicare *
Surgeon		Covered by Medicare *
X-Ray/MRI		Covered by Medicare *
Anesthetist		Covered by Medicare *
Public Hospital Accommodation		Covered by Medicare *
Private Hospital accommodation 3 days @$500		$1,500
9 Physiotherapy visits @ $50 per visit		$450
	Sub Total	$1,950
	Less $100 excess	$1,850
Loss of Income 12 weeks @ $600 per week (less 7 day excess)		$6,600
Total Claim Payment		$8,450

*Medicare may not provide 100% reimbursement for all treatment. In some cases a "GAP" (i.e shortfall) may be payable.