JLT Sport New Zealand

Club Liability Insurance

Introduction

This is a new insurance programme from 1 April 2006 that covers all clubs and is funded by the NZRU.

Who is covered?

All New Zealand Rugby Union affiliated rugby clubs.

What is covered?

The Club Liability Insurance programme provides rugby clubs with a number of liability insurances under one policy:

Public/General Liability

This is the most common form of liability insurance and covers clubs' legal liability to third parties for personal injury or property damage, happening in connection with their business activities, including the ownership or leasing of club rooms and other facilities.

Employers Liability

This covers claims made by employees for injuries that fall outside the Accident Rehabilitation and Compensation Act 1992. Changes to ACC legislation means that employers have increased exposure to claims made by employees for damages as a result of injuries sustained in the workplace.

Statutory Liability

This covers the defence costs and penalties (fines) arising out of an unintended breach (or alleged breach) of specified Acts of Parliament which happen in connection with the activities of the club. Cover is only provided where statute allows, and deliberate or reckless non-compliance is not covered.

Association Liability

This covers directors, officers, employees and members of the club (and the club itself) for legal liability which arises from any wrongful act committed (or alleged) in the discharge of their duties on behalf of the club. Wrongful acts can include breach of trust, breach of duty, neglect or error.

Employment Disputes

This covers costs, including defence costs, for any claims against an employer (the club) for wrongful acts against an employee.

Work Lawsafe Legal Defence Costs

This will pay legal costs that individuals may incur in defending themselves against different types of legal proceedings.

How much is the cover for?

The limits of liability for each cover are:

Cover	Policy Limits
General/Public Liability	$5,000,000 any one occurrence but limited to $5,000,000 any one policy period for Products Liability Excess: $500 each and every claim (inclusive of costs)
Employers Liability	$500,000 any one claim and in any one policy period Excess: $2,500 each and every claim (inclusive of costs)
Statutory Liability	$500,000 any one claim and in any one policy period Excess: $2,500 each and every claim (inclusive of costs)
Association Liability	$5,000,000 any one claim and in any one policy period for all rugby clubs $10,000 each and every claim for club cover $Nil for individual director, officer, employee or member cover
Employment Disputes	$500,000 any one claim and in any one policy period Excess: $5,000 each and every claim (inclusive of costs)
Work Lawsafe Legal Defence Costs	$100,000 any one claim and $1,000,000 in any one policy period for all clubs Excess: $Nil each and every claim (inclusive of costs)

What if our club needs more liability insurance cover?

The Club Liability Insurance programme is designed to meet the needs of the vast majority of rugby clubs in New Zealand so that most individual clubs do not need to purchase their own liability insurance.

However, if the limits of cover are not enough for your club (especially for larger clubs with substantial assets or other business activities) then separate or higher cover may be needed. Please contact JLT Sport for advice on this matter.

What about property insurance for our club?

Currently insurance cover for club’s property such as buildings, contents, stock, equipment or money is not currently available via this facility however it is envisaged that a voluntary national programme will be available to all clubs soon.

In the meantime JLT Sport can assist clubs and unions with their insurance needs on an individual basis. Please Contact JLT Sport for a confidential discussion.

Claims made

The policy will not provide cover for any of the following:

Prior events before 1 April 2006
Claims made after the expiry of the policy period, even if the event causing the loss/claim may have occurred during the policy period
Any known circumstance/claim at commencement of the policy period
Any facts or circumstances known to have potential to give rise to a claim at commencement of the policy period

Policy Document

The policy contains a number of exclusions and conditions. Please contact JLT Sport for further information.

How to Apply

This insurance is funded by the NZRU and is provided to everyone listed under Who is covered? If you have any queries contact JLT Sport.

Community Rugby Insurance