Welcome to the Australian Athletics and Little Athletics Australia Insurance Program
Select your cover
Coverage
What is covered?
Please refer to the following policies for information about what is covered by the Australian Athletics and Little Athletics Australia insurance program. The insurance program aims to ensure that Athletes, Volunteers, Officials, Members, Clubs, Centres and Member Associations are provided comprehensive insurance coverage.
Personal accident
The Australian Athletics and Little Athletics Australia Personal Accident insurance covers all athletes, volunteers, officials, members and other non-competing representatives that are sanctioned by Australian Athletics and Little Athletics Australia.
Public & Products Liability
The Policy is designed to protect Individuals, Associations and Clubs with respect to their legal liability arising from third parties in relation to personal injury and property damage.
Submitting a Claim
Athletes, Volunteers and Member Claims
For all Personal Accident claims, The insured person is required to complete all relevant fields of the claims form. You may be required to lodge additional information to support your claim.
In order to submit your claim online - please visit
Risk Management
The Risk Management Framework has been developed in conjunction with Gow-Gates, Australian Athletics & Little Athletics Australia to provide a uniform approach to assist Clubs and Centres in assessing and managing risks associated with athletics.
It is recommended that a designated Responsible and/or Risk Management Officer is appointed, within your Clubs or Centres organisational structure. It is important to ensure this information is made available to all Club Directors, Staff, Participants and Volunteers.
Please use the following links to access the below Risk Management documents:
Injury Prevention
Australian Athletics have implemented an Injury Risk Benchmarking Project to improve athletic function that can be developed to decrease potential risk of injury and time lost from training. it is intended that the tests can be performed by either a physiotherapist or strength and conditioning coach.
AA Injury Benchmarking Test Project
Junior Sport Guidelines for Athletics
Australian Athletics also aims to help assist athletes in nutrition:
Little Athletics also has dedicated injury prevention resources available at:
Club Critical Incident Response Plan:
It is recommended that all Club and Centres are familiar with their Critical Incident Response Plan. This Plan will help ensure the safety and well-being of stakeholders in the event of an emergency situation. The key components of an Incident Response Plan should include:
Communication & Key Contacts:
- Provide relevant emergency contacts for medical services, local authorities, applicable member association and other relevant entities
- Establish a communication plan which includes a chain of command and communication methods
Emergency Procedures:
- Establish a framework and protocols that are to be followed in the event of a critical incident
- Include evacuation diagrams, access points for emergency services and first aid procedures
Incident Reporting:
- Provide a clear process for reporting incidents
- Establish a system for documenting the incident, response, and outcomes
- Contact your Member Association and/or Gow-Gates
Important Documents
Coverage
Public & Products Liability
The Policy is designed to protect Individuals, Associations and Clubs with respect to their legal liability arising from third parties in relation to personal injury and property damage.
Property
Property insurance is designed to safeguard the assets of Clubs, Centres and Member Associations. This coverage is specifically tailored to provide a robust protective shield for buildings, contents, stock and sporting equipment.
Management Liability
The Policy provides protection for Associations, Clubs and its Directors, Officers and Committee Members as a result of any alleged wrongful act whilst undertaking their roles in an official capacity.
Professional Indemnity
The Policy provides coverage for an Insured's legal liability for breach of professional duty resulting from an act, error or omission committed by or on behalf of the Insured.
Risk Management
The Risk Management Framework has been developed in conjunction with Gow-Gates, Australian Athletics & Little Athletics Australia to provide a uniform approach to assist Clubs and Centres in assessing and managing risks associated with athletics.
It is recommended that a designated Responsible and/or Risk Management Officer is appointed, within your Clubs or Centres organisational structure. It is important to ensure this information is made available to all Club Directors, Staff, Participants and Volunteers.
Please use the following links to access the below Risk Management documents:
Injury Prevention
Australian Athletics have implemented an Injury Risk Benchmarking Project to improve athletic function that can be developed to decrease potential risk of injury and time lost from training. it is intended that the tests can be performed by either a physiotherapist or strength and conditioning coach.
AA Injury Benchmarking Test Project
Junior Sport Guidelines for Athletics
Australian Athletics also aims to help assist athletes in nutrition:
Little Athletics also has dedicated injury prevention resources available at:
Club Critical Incident Response Plan:
It is recommended that all Club and Centres are familiar with their Critical Incident Response Plan. This Plan will help ensure the safety and well-being of stakeholders in the event of an emergency situation. The key components of an Incident Response Plan should include:
Communication & Key Contacts:
- Provide relevant emergency contacts for medical services, local authorities, applicable member association and other relevant entities
- Establish a communication plan which includes a chain of command and communication methods
Emergency Procedures:
- Establish a framework and protocols that are to be followed in the event of a critical incident
- Include evacuation diagrams, access points for emergency services and first aid procedures
Incident Reporting:
- Provide a clear process for reporting incidents
- Establish a system for documenting the incident, response, and outcomes
- Contact your Member Association and/or Gow-Gates
Club & Association Requirements
Are your asset's adequately protected?
In the unfortunate circumstance that something happens to your clubhouse, your vital gear and equipment may not be covered for loss.
Gow-Gates understands what goes into running a sports club and that you need to insure more than just bricks and mortar. We also understand that one size does not fit all and can tailor a package that protects your club's property against:
- Fire, flood, storm, accidental damage
- Loss of profits
- Theft
- Theft of money
- Broken glass
- Machinery breakdown
How to apply for the Sporting Club Insurance: Simply complete the Sports Property Insurance Form.
Travel Insurance
Liability cover is excluded in USA and Canada.
Although the Sports Injury insurance provides limited cover for players overseas, it is recommended that additional Travel Insurance be effected for all players, coaches and officials to compliment the cover provided.
Travel Insurance policies generally provide high limits of medical expense coverage (the Little Athletics Australia and Athletics Australia policy limits medical expenses to $2,500 per injury and does not include coverage for illness) as well as other covers such as baggage, money, loss of deposits, cancellation of travel, emergency assistance and repatriation, etc.
If effecting travel insurance separately it is important the policy does not exclude injuries arising from playing Football.
Generally, a Travel Insurance policy can be arranged with an insurance company which compliments the existing Sports Injury coverage and does not exclude injuries resulting from Football.
Overseas Players
Players who are not residents of Australia, and sustain an injury at a sanctioned event, are eligible to lodge a claim under the Non-Medicare Medical Expense's section of the Little Athletics Australia and Athletics Australia Insurance Program. However, it should be noted that they may not be covered under Medicare.
Who can enrol:
- An Australian citizen
- A New Zealand citizen
- An Australian permanent resident
- An overseas resident applying for permanent residency
- A temporary resident covered by a ministerial
Furthermore, you may be able to enrol if you're visiting from a Reciprocal Health Care Agreement approved nation.
Overseas players not entitled to Medicare should arrange appropriate travel insurance before traveling to Australia and apply for private health insurance whilst in Australia tailored for non-residents. Some Private Health Funds offer cover for overseas residents, information can be found on their websites.
Please see the below links should you wish to learn more:
Certificate of Currency
A Certificate of Currency (CoC) is proof that your Club and/or Centre holds a current insurance policy. Typically, local councils or third parties will request to sight your Club and/or Centre Public and Products Liability CoC to confirm that the policy covers the following party for their respective rights and interests.
In order to request a Certificate of Currency, please complete the below fields.
The policy does automatically include the interest of additional parties as follows:
Every principal, in respect of that principal's vicarious or contingent liability for the acts or omissions of one of the Insureds in the performance by them of work for that principal, but subject always to the extent of coverage and the Limit of Liability provided by this Policy.
A Certificate of Currency can be provided naming an interested party in line with the above.
Couldn't access your Club's Certificate of Currency?
Please fill out the form below.
Thank you for your submission!
Important Documents
FAQs
Participating in sanctioned activities. As well as:
events, games, tournaments and training sessions and training camps, coaching, the rendering of first aid, volunteering, organising and gaging in social activities, fundraising, BBQ's and other social gatherings and any other activity incidental thereto
Unfortunately, the Health Insurance Act 1973 does not allow a policy of this type to cover expenses for which any Medicare rebate is made.
126 Prohibition of certain medical insurance
(1) A person shall not make a contract of insurance with another person that contains a provision purporting to make the first-mentioned person liable to make a payment in the event of the incurring by the other person of a liability to pay medical expenses in respect of the rendering in Australia of a professional service for which Medicare benefit is, or but for subsection 18(4) would be, payable.
Medical expenses for which there is no benefit payable by Medicare are still claimable. These include Ambulance, Physio, Private Hospital Accommodation and Dental amongst others.
Councils cannot be noted as a named Insured on the Policy. They can be listed as an interested party on Certificates of Currency, which is a legal document that demonstrates you have Public Liability Insurance. Please click here to request a Certificate of Currency for your Public Liability policy.
A spectator who is injured cannot make a claim on the Sports Personal Injury policy. If a spectator was injured and decided to seek damages from the club alleging the club's negligence, then the General Liability policy would respond. Important, you must not admit Liability without the Insurers consent. Any claim made by a spectator must be referred to the Insurer as soon as possible for their instructions.
First talk to Gow-Gates, ask for claims staff for the Australian Athletics and Little Athletics Australia Insurance Programme.
If this does not resolve the matter or You are not satisfied with the way a complaint has been dealt with, you should contact the Complaints Manager on 02 8267 9999 or put your complaint in writing to info@gowgates.com.au or by mail at
Complaints Officer
Gow-Gates Insurance Brokers
GPO Box 4731
Sydney NSW 2001
Please mark the envelope "Notice of Complaint". We will endeavour to resolve your complaint quickly and fairly.
If your complaint cannot be resolved to your satisfaction within 21 days, you may have the right to refer the matter to the Australian Financial Complaints Authority (AFCA)."
