Association Liability Insurance

At Berkley Insurance Australia (BIA), we provide a comprehensive insurance solution designed to protect Associations as the entity, the Association's office bearers and employees.

Local Protection for Associations

Association Liability is a combined policy specifically designed for the Not-for-Profit sector. It merges several critical covers — like professional negligence, personal assets of directors and officers against claims of wrongful act, and employment practices disputes — into one package. We focus on providing straightforward, protection backed by market-facing underwriters who can provide the why behind every quote.

- $20m capacity
- Inquiry Costs
- Mitigation Costs
- Costs of Court Attendance
- Claims preparation costs
- Advancement of Defence Costs
- Misleading & deceptive conduct*
- Breaches of intellectual property rights*
- Contractual Liability in the conduct of the Professional Business
- Fraudulent & dishonest acts or employees
- Coverage for Insured Persons who are at the written request of the association, a director or officer of an Outside Entity
- Employment Practices Liability
- Defamation*
- Loss of or damage to documents
- Fines & penalties (permissible by law)
- Employee theft
  
  *We only provide coverage for unintentional misleading & deceptive conduct, breaches of intellectual property rights and defamation.
We have a broad appetite for small-to-medium associations, including professional bodies, sporting clubs, charitable organisations and community groups. We prefer organisations with clear governance and a focused community or member mission.
- Unions
- Political parties
Association Liability Insurance Fact Sheet
Association Liability Insurance - Policy Wording
Association Liability Insurance - Proposal Form
Association Liability - Claims Examples

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Claims Examples

Animal Association

The insured is an Animal Association consisting of 10 council members. Four council members were suspended for disciplinary matters. They alleged they were unfairly suspended due to various unsubstantiated breaches of the Constitution and Rules of the Association.

Sporting Association

The insured is a Sporting Association. It was alleged that the Association’s Treasurer misappropriated funds from the Association’s bank accounts stealing approx. $70,000. The Treasurer had exclusive access to the Association’s bank account and was able to withdraw and transfer money without dual authority.

Industry Representative Association

The insured is an Industry Representative Association. A committee member resigned and sent an email to the Associations’ members notifying them of their resignation and the reasons for the resignation. It was alleged by the Association’s manager that the email sent by the committee member defamed the manager.

Tourism Association

The insured is a Tourism Association. The claimant was an employee of the Association and following a disciplinary matter their employment was terminated. The claimant lodged an unfair dismissal claim alleging that the termination was unlawful.

Industry Association

The insured is an Industry Association. Following a Board meeting, a loss of confidence motion was raised against the President of the Association and subsequently the President was stood down by the Board. The President alleged that the Association and Board acted improperly when seeking to remove them from the position of President.

Important Notice

These are examples only. You should read them only as a guide. They do not form part of any policy. Every claim is different. We always determine indemnity decisions and claim payments on an individual basis, after we have assessed the claim. Information provided is general only and has been prepared without taking into account any person’s particular objectives, financial situation or needs. Insurance cover and whether a policy responds to a claim is subject to the terms, conditions, limits and exclusions of the policy. When making a decision to buy or continue to hold a financial product, you should review the relevant policy wording and any applicable endorsements.