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Gymnastics Australia Insurance - COVID-19

As the appointed broker for the Gymnastics Australia National Risk Protection Program, we're here to help. See how we can support your club through COVID-19. 

Gymnastics Australia and COVID-19  

The Gymnastics Australia (GA) National Risk Protection Program (NRPP) has been extended to cover online training while clubs are shut due to COVID-19. Here are the GA guidelines that clubs, coaches, and athletes must adhere to in order to be covered under the GA NRPP.

To help with a safe transition back to Gymnastics following COVID-19, check our factsheet. Additionally, if you're looking for additional resources on navigating COVID-19, check out our Coronavirus Resource Hub.

Frequently Asked Questions

The Australian sporting community has been greatly affected by the outbreak of Novel Coronavirus (2019-nCoV) and we are seeing developments on a daily basis that impact our clients.

Clubs, coaches, members and volunteers are at the heart of the sporting community. This memo aims to provide some information in regard to how the Gymastics Australia National Risk Protection Program may respond to the current declared Pandemic COVID-19.

Here are some responses to the frequently asked questions we have received lately:

Q:If a club member or other insured person contracts Coronavirus, will the Personal Accident insurance policy cover them?

A: No – The Program’s Group Personal Accident insurance policy generally provides cover for injury only whilst undertaking activities in relation to the gymnastics. Sickness cover is not provided with this policy and therefore this policy will not respond.

Q: How will the Public Liability policy respond if someone allegedly contracts the virus at an event run by an insured club/association?

A: Depending on the particular circumstances, the Program’s Public Liability/Professional Indemnity policy may respond to pandemic events if the club/association is alleged or found to be legally liable for failing to protect third parties from infection.

Legal liability can arise at common law or under statute or a contract with a third party. Most common law liabilities involve a negligent act or omission, that would need to be proved. Such liabilities are generally much more difficult to establish if insureds have acted reasonably to safeguard persons they have a duty to protect. Otherwise, coverage may be triggered if legal liability can be established or if such liability is alleged requiring legal defence costs to be incurred.

It’s also very important that all insureds take reasonable care to avoid personal injury. This is a policy requirement.

Q: What is my club covered for relating to the virus as opposed to other kinds of Public Liability cover?

A: As with other kinds of Public Liability cover, clubs are generally entitled to indemnity under the Program’s Public Liability policy for claims bought against them where they are deemed legally liable for the loss of a third party. All insured parties must comply with the conditions in the policy wording, specifically the “Reasonable Care” condition of the policy. Please refer to the policy wording document which can be found here. If you require any additional cover for your particular circumstances, we suggest that you contact your broker to discuss.

Q: Our club is insured for property insurance, are we able to claim for lost trading income due to a forced shut down?

There are many different policy wordings that provide property cover, including cover for business interruption. As this cover is not part of the National Risk Protection Programme we suggest you contact your broker if you have been affected by this issue.

As a general comment, property insurance may contain an exclusion for any business interruption due to quarantinable disease under the Quarantine Act 1908*.

We have reviewed the policy wording of one of the most commonly used insurers and the way the business interruption section works; under that policy, cover for closure or evacuation of the premises due to contagious disease would not extend to diseases deemed quarantinable under the Quarantine Act 1908. Unfortunately, as COVID-19 has been deemed to be a quarantinable disease, this type of policy may not respond.

*The Quarantine Act 1908 was replaced by the Biosecurity Act 2015 (Biosecurity Act). The Biosecurity Act lists certain quarantinable diseases. COVID-19 was added to the list on the 23/01/2020.

Other important points to note:

The most important thing that all Gymnastics Australia clubs, associations, coaches and members can do at present is follow the advice of government and your national/state body in relation to your activities. The advice often changes daily so it’s important that you monitor this frequently.

Any questions from clubs, coaches or members should be directed to our team who are available to assist:
Phone: 1300 130 373
Email: sport@marsh.com 

 

Disclaimer: When arranging the insurance products referred to on

this website, these are underwritten by various insurers. When arranging such cover Marsh Advantage Insurance will advise you of the underwriter and capacity in which we act (for some of the insurance products the insurers have granted Marsh Advantage Insurance authority to issue, vary and cancel insurance on their behalf, and in such situations we do not act on your behalf, we will disclose such situations to you). LCPA 20/507

 

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.