What insurance does your club need?

For many clubs the word insurance conjures a grey area of understanding. There is often a misconception surrounding the costs involved and what insurance is actually needed. The worrying factor is that these assumptions lead to inaction and if they don’t understand it, clubs just ignore it. 

Don’t let your club do this…


Safe Guard Insurance Brokers


South Australian Sports Medicine Association (SASMA) with Safeguard Insurance Brokers Pty Ltd is pleased to offer this Insurance policy prepared especially for the working Sports Trainer. This policy is only available to SASMA Accredited Sports Trainers who have maintained their current accreditation and are working in Australia. The policy operates whilst the sports trainer is carrying out their respective duties working in activities involving: training routines, matches and/or competition arranged by a club, school, league, association or federation.

We recommend all Sports Trainers working with teams or clubs in any sport seek appropriate insurance cover.


Types of Insurance


Public Liability: Good Public Liability policies provide clubs protection in the event the club has to pay compensation to third parties for personal injury or personal damage. Claims of negligence may arise due to loss, damage or use of property, or the injury or death of an individual. Good public liability policies will cover claims resulting from negligence of club members, including voluntary workers who are engaged on behalf of the club.

Professional Indemnity: Clubs ideally need Professional Indemnity insurance cover to protect any representative providing professional advice. This includes coaches, trainers and medical staff. Professional Indemnity insurance indemnifies against claims where it is found that advice being provided by club representatives is negligent.

Current National Insurance Programs


AFL - Australian Football League National Risk Protection Programme designed specifically for the needs of Football.

Netball Australia - Willis Australia Limited has designed a National Insurance Program specifically tailored to meet the needs of Netball


The following negligence claims frequently appear in sports-related injury cases


  • Failure to properly train

  • Failure to be properly credentialed

  • Inadequate supervision

  • Failure to properly observe, refer, or stabilize the injured player

  • Unequal matching of opponents

  • Improper return to play

  • Improper equipment or fitting

  • Improper screening or physicals pre participation


  • Failure to warn of risks to all

  • Failure to enact proper rules for concussions or return to play guidelines

  • Failure to stop or curtail risky or violent conduct

  • Medical malpractice

  • Negligent hiring or retention of personnel

  • Improper design or maintenance of playing field or premises

  • Failure to have an emergency medical plan

  • Improper medical clearance