Sailing Club Insurance

Specialised Liability Insurance for the Sailing industry

Designed for Australian Sailing Affiliated Clubs

Together with Nautilus Marine, Network Insurance Group has developed and tailored liability policies to protect Australian Sailing Affiliated Clubs against a range of potential exposures at competitively priced rates.

Features of the policy include

• $20 million in cover
• Underwritten by AIG
• On land and on water world wide coverage
• No sub-limit on Errors & Omissions coverage
• No sub-limit on Property in your Physical or Legal Control which means there is full
• Marina Liability Coverage included
• Automatic coverage for Libel and Slander
• No exclusion for waterborne craft (but you are expected to insure your club owned waterborne craft with adequate Third Party Liability coverage). The coverage under our policy is intended to protect you in emergency situations.
• Member to Member coverage.

Protect your sailing business

Comprehensive, tailored protection for your Sailing Club or Association.

Protect your business and your assets.

The best cover for your sailing club at the best price

Just like any commercial enterprise sailing clubs need protection against a range of risks. Network Insurance Group will tailor an insurance solution to meet your club’s needs using the collective buying power of Steadfast to get you a great rate.

We tailor cover to suit your club’s needs however can it may typically include:

• Property Insurance for the club premise and stored craft
• Accidental loss or damage on buildings and contents (including docks, wharves and jetties)
• Burglary - Theft of Club Property
• Glass - Replacement Costs
• Business Interruption
• Money - Cover For Loss of Funds

A sound understanding of the Sailing industry from an experienced team

Our research based approach to your sailing business means we will propose the correct level of cover to suit your club. It might be an existing package from one of Steadfast underwriters or we might need to research and explore the insurance market to find the policy that best suits your business.

Club Management Liability Insurance

Designed for Sailing Club Directors & Officers

Management Liability protects the individuals and the Club in relation to the exposures associated with managing a Sailing Club.

In addition to the covers below, cover for insolvency can be made available following your agreement to fully disclose the Club’s financials.

The key elements to the cover are as follows;

Management Liability

• Individual’s defence costs, damages and settlements.
• Public relations expenses.
• Investigation cover (including OHS and pollution).

Corporate Liability

• OHS defence and investigation
• Breach of contract
• Identity Fraud
• Crisis Costs

Employment Practices

• Employment practices liability for individuals
• Third Party harassment/discrimination

Crime Protection

• Acts occurring prior to and during the policy period which are discovered during the policy period.
• Extends to employees, third parties and shareholders.
• Destruction and damage of money or securities.
• Legal fees and reconstitution costs.

Statutory Liability

• Fines and pecuniary penalties against individuals and the company.

Tax Audit

• Tax Audit Expenses

Personal Injury Insurance

Automatic cover for any current financial members of an Australian Sailing Affiliated Club

Australian Sailing members

This Insurance program provides benefits to registered members of Australian Sailing Affiliated Clubs who, through injury or accident, incur financial loss and who otherwise have not received assistance.

Automatic Cover

Cover is Automatic for any financial member of an Australian Sailing Affiliated Club.

Cover is also extended to:

• Participants in an accredited Australian Sailing Discover Sailing course (when registered in the national database) for a period of up to 3 months after completion of the course.
• SailPass holders (on the days registered).

Cover is not valid if participating at, or on the premises of a non affiliated club.

Australian Sailing Summary of Insurance Cover

Death & Permanent Disablement

A lump sum benefit is payable in the event of death or a Permanent Disability. The scale of benefits is defined in the policy.
The death benefit is $75,000 for members aged up to 85 years old and $10,000 for members under 18.

Non Medicare Medical Expenses

Reimburses up to 100% of Non-Medicare medical expenses up to a maximum of $5,000 subject to a $50 excess. Claimable expenses are private hospital bed and theatre fee, ambulance, net of any recoveries from private health insurance. Cover is limited to expenses incurred within 12 months from the date of injury.

Physiotherapy Benefit

Reimburses between 75% to 95% of costs incurred up to a maximum of $30 - $45 per visit up to a maximum of $750. Cover is limited to expenses incurred within 12 months from the date of injury.

Student Tutorial Costs

Reimburses up to 80% of costs incurred up to a maximum of $300 per week for home tuition by a qualified tutor if the Injury stops the Insured Person from going to their external tutor outside the home for up to 52 weeks with a 7 day excess period.

Domestic Help Benefit

Reimburses up to 80% of costs incurred up to a maximum of $300 per week for a recognised and licensed home help service if the Injury stops the Insured Person from usual and normal duties as a homemaker, sole provider for dependant children such as child-minding, cleaning, cooking, school pick up and drop offs for up to 52 weeks with a 7 day excess period.

Broken Bones

We will pay up to $5,000 any one accident. Cover only applies if the event occurs within twelve (12) calendar months of the date of Injury. Please refer to the policy wording and Certificate of Insurance for details of the cover provided and policy limits.

Dental

We will pay up to $5,000 any one accident. Cover only applies if the event occurs within twelve (12) calendar months of the date of Injury. Please refer to the policy wording and Certificate of Insurance for more details of the cover provided and policy limits.

Loss of Income

Weekly Benefit 100% of pre-Injury Salary, if prevented from working in your Occupation up to a maximum of $300 per week. The benefit period is 52 weeks and the excess is 7 days.

Funeral Benefit

We will pay up to an additional $10,000 for funeral expenses in the event of the death of the insured person where the death is covered by this Policy.

Policy Documents

• Policy Schedule.
• Policy Wording.
• Policy Endorsements.

Marine Hull

Yacht, Sailboat & Cruiser Insurance

Protection for your sailing craft

Together with specialist sailing underwriter Club Marine we offer you insurance protection for your Yacht, Sailboat or Cruiser. Get protection in the event of a crisis, such as collision, sinking, fire, storm or theft.

Club Marine can tailor your policy to suit your individual boating needs.

Club Fleet Insurance

Tailored Insurance for sailing clubs needing to insure multiple boats or “club owned boats”. Network Insurance Group will tailor and source a range of competitive quotations to match your clubs risk management requirements.

Off The Beach Dinghies

We are pleased to confirm we have entered into partnership with one of Australia’s most progressive and largest boat insurers Club Marine to deliver an insurance package for owners and sailors of “Off The Beach Dinghies”.

This cover is applicable to trailerable, non-powered sail boats launched off the beach.

Network Insurance Group’s “Off The Beach Dinghy” cover offering is now provided by Club Marine, an Australian insurance agency backed by the strength of Allianz, one of Australia’s largest general insurers. Club Marine actively supports more than 100 yacht clubs, fishing tournaments, boat shows, regattas and volunteer marine groups.

We have worked with Club Marine to develop an insurance package for “Off The Beach Dinghy” owners which may be tailored to suit your boating needs.

Features and Benefits

• Sailboat racing cover up to 100NM race length
• Australia wide coverage
• Australia wide transit cover for boats designed to be transported on own trailer
• Up to $10 Million legal liability cover arising from the use of the boat
• 24/7 emergency claims service

How to arrange cover:

NOTE: For the most competitive pricing, please use Promo Code NTWRKSAIL.