What is covered?

The National Risk Management & Insurance Programme encompasses four key areas of protection which are designed for members and affiliate members.

Personal Injury

(Inc.the Rugby Funded Deducible*)

Professional Indemnity policy


Public & Products Liability policy


Club Management Liability policy for clubs


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*The Rugby Funded Deductible is a managed investment scheme operated by Australian Rugby to fund the deductible under the Personal Injury Policy held by Rugby Australia. It supports claimants by making a co-payment towards their claim. The Claims Manager will process any claims made on the Funded Deductible when you make a personal injury claim.

Who is covered?

The National Risk Management & Insurance Programme includes:

Rugby Australia Limited and its members and affiliate members, including member clubs and associations of the various state members, players, coaches, trainers, managers, administrators, voluntary workers and/or selectors.

The National Risk Management & Insurance Programme does not include:

Golden oldies and school rugby unless specifically extended.

When are you covered?

Personal Injury

Cover is provided under the Personal Injury section to the above insured persons whilst:
  1. Playing in official matches.
  2. Engaged in organised training
  3. Travelling directly to, from or between official matches or training and your home or work.
  4. Staying away from your home district for the purpose of participating in representative or club matches
  5. Engaged in administrative or organised social activities for your club or Union.
Examples of Sporting Activities under the Personal Accident risk & insurance programme include:
  • A registered player injured in an official match
  • A coach injured at an official training session
  • A Parent injured whilst working in the canteen

The parent would be considered a Co-Opted Volunteer and they would be considered to be engaged in an administrative activity of the club.

  • A Spectator injured whilst watching the match

Spectators are not “insured persons” and can not claim under the Personal Injury policy. The club or association is protected under the Public Liability cover in the event a that they are found legally liable for personal injury or property damage to a spectator and/or third party.

Public & Products Policy

Under the Public & Products Policy section coverage is provided:
“For liabilities arising out of the Insured’s Sporting Activities”.

“Sporting Activities” means the activities of a club, association, or other insured entity playing or administering Rugby.

It includes all official activities connected with the sport including club social and fund-raising activities.

It does not include the activities of a Licensed Club. “Licensed Club” means a commercial premises with a liquor license, used by members and guests. A clubhouse or sports pavilion with a liquor license will not be deemed a Licensed Club.

Further, the policy also covers liability arising from leasing or hiring out of premises owned or tenanted by the club to other parties. However certain practices must be followed:
  1. You must ensure that premises are well maintained and checked prior to hiring out.
  2. there must be a written lease agreement between you and the hirer which requires the hirer to be responsible for personal injury or property damage caused during the lease unless such injury or damage is as a result of your negligence.
  3. the hirer must hold a Public Liability policy for a minimum of $10,000,000 per occurrence and must submit a Certificate of Currency to you prior to the hire start date.
  4. Following completion of the lease/hire you must complete a routine check that the premises are safe and ensure that any necessary risk management initiatives are undertaken prior to the re-letting of the premises.