Welcome to the Northern NSW Football Insurance Program


What is covered?

Refer to the following policies for information about what is covered by the Northern NSW Football Insurance Program for individuals and for Northern NSW Football clubs, branches, associations (and their member clubs), and referee branches.

Personal Accident

The Northern NSW Football Personal Accident insurance covers all players and/or non playing officials that are injured while engaged in sanctioned activities by Northern NSW Football.

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.

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.

Should you wish to learn more amount these policies, please click below:

Submitting a Claim

Photo of Football Player with Injury

Individual, Member and Official Claims

For all Personal Accident claims, The insured person is to fully complete all sections in the claims portal. You will need to provide details of your injury and the activity in which it occurred.

In order to submit your claim online - please visit

Photo of Football Player with Injury

Association and Club Claims

For all claims relating to Public and Products Liability, Professional Indemnity and Management Liability. Notify Gow-Gates immediately of your intention to lodge a liability claim via one of the following options:

Do not admit liability under any circumstances.

Optional Personal Injury Top Up Cover

Photo of Football Player with Injury

The Individual Top-Up Cover on State and Territory Football Group Personal Accident insurance covers all appropriately registered players and/or non-playing officials of the Insured that are injured while engaged in activities sanctions by participating State Associations & Territories.

Subject to the policy wording, the TopUp cover provides to increase the Weekly Injury benefit to a maximum of $500 per week for an injury sustained whilst playing, or engaging in sanctioned football activities for registered participants.

Cover applies whilst participating in official football matches as well as:

Sanctioned trials, training, travelling between home / work and training or games, staying away from home for a tour and administrative and social activities for your club.

Please ensure you read all important documents including the Target Market Determination (TMD) and Combined Product Disclose Statement and Policy Wording before deciding if this product is suitable, as your personal circumstances have not been considered.

Apply Here

Club & Association Requirements


Gow-Gates can assist your club by covering the following items under a Sports Property Insurance Package:

  • Buildings, Clubhouses, Storage Containers, Equipment Sheds and Grandstands
  • Goals, Training Equipment and Sporting Apparel
  • Stock & Inventory (including canteen supplies, jerseys and other miscellaneous items)
  • Electronic Equipment
  • High Value Medical Items (defibrillators – AEDS)

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 Northern NSW Football policy limits medical expenses to $5,000 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 Northern NSW Football 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:

Risk Management

Photo of Football Player with Injury

It is recommended that a designated ‘Responsible and/or Risk Management Officer’ is appointed, within your Club’s organisational structure, to ensure this information is made available to all Club Directors, Staff, Participants and Volunteers.

Please use the following link to access the 'Safe Football Poster'

Safe Football Poster (pdf)

Injury Prevention

The Football Australia Perform+ was developed in 2020 as the primary injury prevention program for football in Australia.

The Football Australia Perform+ is an updated version of the 11+ program with more flexibility for coaches and new content targeting hip and groin injury prevention.

To use this, please click the following link:

Other Club Resources

Certificate of Currency

Certificates of Currency for Northern NSW Football clubs and zones are available by contacting Northern NSW Football.

Contact Northern NSW Football

Important Documents

Frequently Asked Questions

The Northern NSW Football Personal Accident Insurance Program provides cover to registered participants within the scope of cover while participating in Northern NSW Football Sanctioned football activities:

  1. Playing in official club or representative matches
  2. Engaged in official club training activities
  3. Traveling 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 sanctioned representative or club matches
  5. Engaged in administrative or organised social activities for your club or Northern NSW Football (subject to Northern NSW Football Sanctioning if required)

Health Insurance Act 1973

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.

The Northern NSW Football Insurance Programme extends to cover insured players and officials whilst overseas for representative and/or club matches as long as all players and officials are registered with the Club and the tour is officially sanctioned by Northern NSW Football and the Host Federation.

Although the policy covers persons whilst overseas, we recommend that Travel Insurance be affected for all players and officials to compliment the cover provided. Travel Insurance policies generally provide high limits of medical expense coverage as well as other covers such as baggage, money, loss of deposits, emergency assistance etc.

If required, we can arrange travel insurance for the touring party with which compliments the existing Sports Injury coverage and does not exclude injuries resulting from Football. To arrange a quote please contact Gow-Gates.

Northern NSW Football Insurance Program

Matches for schools who are not playing in Northern NSW Football competitions do not fit within that scope of cover.

If you belong to a school team who plays in Northern NSW Football competitions, then you are covered under the insurance programme whilst playing in those Northern NSW Football Competitions. Should you wish to seek clarification on this, please consult Northern NSW Football.

First talk to Gow-Gates, ask for claims staff for the Northern NSW Football 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 endeavor 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).

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