Clubs & State Bodies

Personal Injury, Combined Liability & Management Liability

The Badminton Australia insurance program provides coverage for all affiliated clubs, schools and eligible individuals under the following policies:

Personal Accident/Injury
Combined Liability (including Professional Liability)
Management Liability

Personal Accident

Insurer	Allied World Assurance Company
Policy Period	31/03/2026 – 31/03/2027
Accidental Death	$50,000
Paraplegia and Quadriplegia	$50,000
Non-Medicare Medical Expenses Benefit Period Reimbursement (%) Excess Payable	$2,000 52 Weeks 100% $20
Non-Medicare Medical Expenses Benefit Period Reimbursement (%) Excess Period	$400 per week 52 Weeks 80% $14
Loss or Damage to Teeth	$1,000
Emergency Home Help	$500 per week
Student Tutorial Costs	$500 per week
Funeral Expenses	$10,000
Limitation of Liability	$4,000,000

Public and Products Liability

What's covered	Public Liability insurance is designed to protect insured entities against claims from third parties alleging personal injury or property damage resulting from the entity’s negligent acts or omissions.
Basis	Occurrence
Policy Wording	York Underwriting Public and Products Liability Policy (YRKPPL 1.0 10 2025)
Where am I covered	Worldwide excluding North America
Limit of Liability	$20,000,000
Care, Custody & Control Sub-Limit	$100,000
Abuse & Molestation Coverage	$5,000,000 any one claim ($10,000,000 in the aggregate)
Excess	Personal Injury Claims – $500 Property Damage Claims - $500 Molestation - $25,000
Who is the insurer	York Underwriting

Professional Indemnity

What's covered	Professional Services Liability insurance provides supplementary protection for professionals offering advice or services. It is designed to cover insured individuals and entities against claims arising from alleged or actual acts, errors, or omissions that breach their professional duty in connection with their business activities.
Where am I covered	Worldwide excluding North America
Limit of Liability	$20,000,000 any one claim and in the aggregate
Excess	$500
Claims Made Policy	This policy is a “Claims Made Policy” meaning coverage is triggered when a claim is made during the policy period, regardless of when the incident occurred. If you become aware of any circumstances that may reasonably lead to a claim, it is essential to notify Howden in writing without delay to avoid compromising your entitlement under the policy.
Who is the insurer	York Underwriting

Management Liability

What's covered	Management Liability insurance is designed to protect both the insured organisation and its management team against claims arising from alleged or actual wrongful acts. These may include: Wrongful acts by management, committee members and Directors & Officers Fraud and Dishonest acts by employees, volunteers and other insured persons Claims made by employees, volunteers and other insured persons relating to employment practices – includes harassment, bullying, wrongful dismissal, etc. Breaches of Statutory Legislation Tax audit costs
Where am I covered	Worldwide excluding claims brought or determined in the USA and Canada
Limit of Liability	$5,000,000
Retroactive Date	Unlimited excluding any known claims or circumstances
Policy Wording	Artisan UW ML Wording V1.24
Claims Made Policy	This policy is a “Claims Made Policy” meaning coverage is triggered when a claim is made during the policy period, regardless of when the incident occurred. If you become aware of any circumstances that may reasonably lead to a claim, it is essential to notify Howden in writing without delay to avoid compromising your entitlement under the policy.
Who is the insurer	Artisan Underwriting on behalf of and as agent for Liberty Specialty Markets.

The above provides a summary of cover only. For more detailed information about policy conditions and full benefits please refer to the Policy Schedule and Wording. This can be accessed in the important documents section.