7. Risk Management... 18

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2 Cntents 1. Intrductin Duty f Care Negligence Wrk Health and Safety Occupatinal Health & Safety Risk Management CAMS Safety 1 st Strategy Risk Management Intrductin Cmbined General Public & Prducts Liability Insurance Prfessinal Indemnity Insurance Persnal Accident Insurance Vluntary Wrks Insurance Directrs and Officers / Assciatin Liability Insurance Other Insurance t Cnsider Claims Prcedure Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 2 Versin

3 1. Intrductin The Law and Sprts The law is nt separate frm sprt and recreatin. Therefre CAMS affiliated clubs and members are subject t the same legal respnsibilities as any ther entity. Increasing levels f cmmercialisatin and awareness f individual rights make legal actin in the sprt and recreatin envirnment mre likely than was the case a decade ag. It is imprtant that club administratrs maintain and try t increase their knwledge f the law, particularly sprts law, t prtect the rights f the clubs and therefre their members. Cntents f this Chapter This chapter f the Club Management Handbk sets ut a brief verview f the majr legal matters affecting clubs and cntains infrmatin abut: duty f care negligence Wrk Health and Safety (WHS) Occupatinal Health & Safety (OH&S) risk management insurance Advice At all times the cntent f this dcument is advice nly. Matters that may arise shuld be referred t the Club s legal advisr. Elements f Risk in Activities Many sprting and recreatinal activities invlve an element f danger r risk and certainly mtr sprt falls int this categry, fr cmpetitrs, fficials, spectatrs and the cmmunity in general. In mst cases, participants (cmpetitrs and fficials) accept the risks as a part f the challenge f participating in the activity. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 3 Versin

4 1. Intrductin Cntinued Club Administratin Liability It is imprtant fr club administratrs t understand that there is n autmatic legal prtectin, and that they can be held legally respnsible fr injuries, r death, that ccur in the cnduct f activities under their cntrl. Prtectin Available frm CAMS CAMS prvides a wide range f training prgrams fr club members, fficials and ffice bearers. It als prvides apprpriate insurance prducts t supprt clubs if a claim r ther litigatin is made against the Club. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 4 Versin

5 2. Duty f Care What is Duty f Care? Every persn wes a duty f care t every ther persn wh is reasnably likely t be injured by that persn s actins, r failure t act. Duty f care is breached by failing t d what is reasnable, r by ding smething unreasnable that results in harm, lss r injury t anther persn/s. The apprpriate standard f care is assessed n what actin a reasnable persn wuld take in a particular situatin. Duty f care must be balanced with dignity f risk, which refers t a persn s right t experience all that life has t ffer, such as learning a new skill r taking part in an activity that may entail sme element f risk, but has benefits that might include gaining greater self esteem and independence. Cmmittee Members Owe a Duty f Care Upn Appintment Cmmittee members f an incrprated bdy we a duty f care nce they are appinted. This duty f care is summarised as a duty t: act in gd faith nt gain advantage by imprper use f his / her psitin nt misuse infrmatin act with diligence and care nt trade while inslvent Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 5 Versin

6 2. Duty f Care Cntinued Dignity f Risk in Assessing the Situatin The likelihd and extent f the freseeable harm needs t be cnsidered by balancing the harm against the benefits by lking fr ways t minimise the risk f harm withut sacrificing the benefits f the activity. Sme f the questins that can be asked in determining duty f care are: What rights exist here fr the persn carrying ut the activity? What rights are at risk f being cmprmised r abused thrugh the actin that ne may take? What rights wuld be upheld? Are sme f these rights in cnflict r cmpetitin with ne anther? Can the different rights relevant t this situatin all be upheld r must ne make chices between them? If there is a cnflict r tensin between these rights then is ne clear abut why ne is chsing t emphasise ne rather than the ther? Whse values are influencing ne s judgement ne s wn r the ther persns? T what extent is ne invlving the persn carrying ut the activity in balancing up these issues? Factrs t be Cnsidered in Situatins In situatins f ptential harm sme factrs t be cnsidered are: the likelihd f harm types f injuries that culd be incurred assessment f the seriusness f thse injuries what actin can be taken t minimise the risk what actin can be taken t reduce the seriusness, r harm, f the injury current standards abut the risk issues the usefulness f the activity invlving the risk Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 6 Versin

7 2. Duty f Care Cntinued Harm Harm can be injury, hurt, damage by means f being: physical psychlgical Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 7 Versin

8 3. Negligence What is Negligence? Negligence is cnsidered as cnduct that falls belw the standards f behaviur established by law fr the prtectin f thers against unreasnable risk f harm. A persn has acted negligently if he r she has departed frm the cnduct expected f a reasnably prudent persn acting under similar circumstances. Negligence ccurs when smene des smething that a reasnably prudent persn wuld nt d, r fails t d smething that a reasnably prudent persn wuld d. Questins When undertaking any activity assciated with the Club, administratrs shuld cnsider the fllwing questins: D we we a duty f care t the participants and if s, is the risk f injury reasnable freseeable? A duty f care depends n establishing sme relatinship between the parties. If an injury ccurs, the curts will ask whether the relatinship between the parties was such that the defendant shuld have freseen that his negligent act wuld lead t the damage suffered by the participant. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 8 Versin

9 3. Negligence Cntinued Questins (cntinued) What is the standard f care that must be satisfied? The test fr the required standard f care is hw a reasnably prudent persn wuld have behaved in the same situatin. The law has develped this reasnable persn test but what is reasnable will depend n the particular circumstances existing at the time. The standard may vary depending upn the fllwing: The type f activity. Generally the mre hazardus r risky the activity is deemed t be, the greater the duty f care that is wed t the participants. The age f the participant. Generally, the yunger the participant, the greater the duty f care that is wed. The same applies t frail r aged adults. Bth place greater demands n higher levels f supervisin. The ability f the participant. Age shuld nt be cnsidered in islatin, but cnsidered with the ability f the participant. Beginners in any prgram need greater supervisin than experienced and skilled participants. The administratrs level f training and experience. The mre highly trained and experienced a persn is, the greater the standard f care that is expected. What steps can be taken t avid the freseeable risk f harm r injury? Administratrs may nt be able t take all pssible steps t avid causing injury, but the law requires them t take all reasnable steps. T help establish thse reasnable steps the administratr shuld develp a risk management plan fr the Club and the activities it cnducts. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 9 Versin

10 4. Wrk Health and Safety (WHS) What is Wrk Health and Safety? The Wrk Health and Safety Act was legislated in 2012, and the states and territries have harmnised their laws with this act but they retain respnsibility fr regulating and enfrcing wrk health and safety laws in their jurisdictin. WHS is cncerned with the safety, health and welfare f peple engaged in wrk r emplyment, and this includes activities cnducted by sprting rganisatins such as car clubs. Clubs and the Wrk Health and Safety Law Many clubs have legal respnsibilities and duties under the WHS laws, althugh nt all. Please identify yur club as ne f the fllwing: Persn Cnducting a Business r Undertaking (PCBU) If a club emplys paid wrkers it is referred t as a PCBU and under WHS laws has respnsibilities and a legal duty f care t wrkers (paid and vluntary) t prtect the health and safety f peple affected by the activities f the Club. This includes peple wh wrk fr the Club n a full-time, part-time r casual basis; and includes vlunteers plus members f the public while they are in the wrkplace. Vlunteer Assciatin If a club des nt emply any paid wrkers (but nly has vlunteers), it is classified as a vlunteer assciatin and des nt have any respnsibilities f a PCBU under WHS laws. Vlunteers wh wrk fr a vlunteer assciatin (i.e. a club) that has an affiliatin with a state r natinal bdy wh is a PCBU (e.g. CAMS) are cvered under the act thrugh affiliatin t this bdy. Thus CAMS carries ut the requirements f the act by handing dwn measures t its clubs t prtect the health and safety f peple affected by their activities. Nte: Even if a club is a PCBU the fact f the Club being affiliated with CAMS des nt limit CAMS respnsibility fr the duty f care t all wrkers (paid and vluntary) engaged by the Club. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 10 Versin

11 4. Wrk Health and Safety Cntinued Steps t Imprve Health and Safety in the Wrkplace All clubs shuld take these simple steps as a guide: Step 1 Cmmit t wrkplace health and safety Understand WHS duties that apply t the Club. Knw wh has specific respnsibilities. Step 2 Plan t wrk safely gather infrmatin Think abut the activities carried ut by the Club. Identify the hazards. Assess the risks. Identify the tasks and prcedures t cntrl the risks. Step 3 Cnsultatin Discuss safety issues in frmal arrangements (such as meetings). Invlve peple in safety decisins. Ensure the views f vlunteers are valued and taken int accunt. Step 4 Develp prcedures using cnsultatin and risk assessment Develp and implement prcedures fr reprting safety issues and incidents. Review safe wrk prcedures and training after incident reprts. Refer t the CAMS Targeted Risk Assessment n the CAMS website. Step 5 Incident Ntificatin Clubs are required t ntify the relevant state safety regulatr if any ntifiable incident ccurs as a result f club activity, if there is: the death f a persn serius injury r illness f a persn a dangerus incident In the first instance CAMS is t be ntified and advice sught n actin t be taken. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 11 Versin

12 4. Wrk Health and Safety Cntinued Steps t Imprve Health and Safety in the Wrkplace (cntinued) Step 6 Infrm and train staff, wrkers and vlunteers Club Cmmittees shuld ensure that all staff, wrkers and vlunteers: Are inducted. Can demnstrate they can perfrm their tasks safely. Are trained in safe wrk practices and understand prcedures. Step 7 Mnitr and review Wrk Health and Safety Reference Dcument Clubs shuld refer t Safe Wrk Australia s website at which prvides a Vlunteer Resurce Kit. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 12 Versin

13 5. Occupatinal Health & Safety (OH&S) What is Occupatinal Health & Safety? Occupatinal health and safety is cncerned with prtecting the safety, health and welfare f peple engaged in wrk r sprt. The enjyment f these standards at the highest levels is a basic human right that shuld be accessible by each and every participant. Regardless f the nature f their invlvement, participants shuld be able t carry ut their respnsibilities in a safe and secure wrking envirnment, free frm hazards. These rights are set ut in legislatin t ensure that emplyers and sprt administratrs are clear abut the bligatins and the cnsequences fr neglecting them. What Des Occupatinal Health & Safety Cver? Occupatinal Health & Safety (OH&S) is the general area f cncern in emplyment r sprt which cvers the physilgical and psychlgical well-being f participating persns. Emplyers / administratrs have a cmmn law duty t take reasnable care t guard health and safety at activities under their cntrl. Under the law in every state, emplyment has the widest pssible meaning, which includes vlunteers, cmpetitrs, fficials, suppliers and the like. OH&S and Mtr Sprt Emplyment is extended t cver sprt and emplyers t the administratrs invlved with sprt. CAMS OH&S Plicy can be fund n the CAMS website. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 13 Versin

14 6. Risk Management What is Risk Management? Risk management is a technique which has been develped by which the Club r individuals can identify ptential risks, assess the pssible utcmes f these risks, predict the prbability f them ccurring, and design apprpriate treatments. The fact f having cnducted a cmpetent risk management assessment can be a very pwerful tl by which the Club can demnstrate that it has behaved reasnably and respnsibility. Purpse f Risk Management Prgram A club s risk management prgram is t prtect the assets and financial resurces f the Club and its members by reducing risk and ptential fr lss. There is a cnstant need fr club administratrs t identify risks, deal with them and then evaluate whether the strategies that are subsequently implemented are effectively dealing with the risk. CAMS is cmmitted t delivering mtr sprt via best practices resulting in the highest levels f safety and urges all affiliated clubs t ensure that risk management and safety are embedded int the culture f the Club. It is critical that the varius risk management plicies and prcedures prduced by CAMS are embraced and applied t all club activities. In additin, clubs must actively assess the risk invlved in every activity they cnduct, sme f which may be unique and nt addressed by generic prcedures f the sprt, and take apprpriate actin t ensure a safe sprting experience. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 14 Versin

15 Negligence Cntinued Risk Definitins Sme definitins assciated with risk are summarised in the fllwing table: Cncept Risk Risk Management Risk Reductin Risk Transfer Risk Acceptance Definitin The chance f smething happening that will have an impact upn bjectives. It is measured in terms f likelihd and cnsequences. The culture, prcesses and structures that are directed twards the effective management f ptential pprtunities and adverse effects. A selective applicatin f apprpriate techniques and management principles t reduce either the likelihd f an ccurrence r its cnsequence r bth. Shifting respnsibility r burden f lss t anther party thrugh legislatin, cntract, insurance r ther means. An infrmed decisin nt t becme invlved in a risk situatin. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 15 Versin

16 6.1 CAMS Safety 1 st Strategy CAMS Safety 1 st Strategy In rder t fulfil CAMS bligatin t its wn Safety 1 st Strategy, there is the need t identify and treat risks in a cmmn manner, and cmply with the legislative requirements f the OH&S / WHS Acts. CAMS has, thrugh wide cnsultatin with its members, established bth a prcess and a frm t recrd the identificatin, ranking, and cntrl, and checking f risks in mtr sprt held under its auspices. The 'frm' which will be used t recrd risks is the 'Targeted Risk Assessment' frm. It is imprtant that this frm be filled ut in a cmmn, and lgical manner. This paper has been assembled t assist the understanding, and lgic behind the frm, and t assist in the prcess f assessing risks. Assessment f risk can be undertaken in different ways, depending upn the experience, infrmatin, time and ther resurces that are n hand. Mst assessments will be undertaken using a 'qualitative assessment' methd, which means they will be based n infrmatin gained primarily thrugh CAMS training, and experience f the matter at hand, rather than reference t statistics and mathematical prbability. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 16 Versin

17 6.1 CAMS Safety 1 st Strategy Cntinued Wh Cmpletes a Targeted Risk Assessment and When? Wh cmpletes a Targeted Risk Assessment (TRA)? CAMS staff cmpliance checkers safety representatives event fficials (race, rally, ff-rad, karting, etc.) circuit, raceway r venue staff club members When is a TRA cmpleted? at any time in the planning, setting up and during the actual activity itself nt frgetting the dismantling prcess f the activity. Understanding and Cmpleting Targeted Risk Assessments An Understanding and Cmpleting Targeted Risk Assessments dcument, tgether with a Targeted Risk Assessment frm, is available n the CAMS website. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 17 Versin

18 7. Insurance 7.1 Intrductin CAMS Insurance An Insurance Prgram Handbk is available thrugh the Insurance link n the CAMS website at: The aim f the bklet is t prvide assistance t clubs and their members an understanding the scpe f the cver prvided and the actins required in the event f an incident r injury. This is hwever nly a brad summary f cver and full details f the plicy terms, cnditins and exclusins are fund in the insurance plicy wrdings. Fr all insurance enquiries, affiliated clubs are best served t cntact Arthur J. Gallagher, t discuss matters in mre detail. Arthur J. Gallagher s cntact details can be accessed thrugh the CAMS sectin f their website: Types f Plicies Required It is vital that clubs prtect their wn assets with adequate insurance. There are varius types f insurance plicies that a club needs; bth a standalne and thse ffered by CAMS in Grup Plicies. Any infrmatin prvided n these pages des nt supersede the fficial insurance dcuments held by CAMS r a club. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 18 Versin

19 7.2 Cmbined General Public and Prducts Liability Insurance What Des it Cver? Cmbined General Public and Prducts Liability Insurance is a very imprtant frm f insurance fr a club. It prtects the Cmmittee and club members. It prvides indemnity against claims brught against the Club fr legal liability fr damages arising frm an accident that has caused bdily injury r damage t prperty. CAMS prvides this cverage thrugh its permit and licensing system. Wh is Cvered? Affiliated car clubs, their members, their fficials and their vlunteers, as well as cmpetitrs are indemnified under this insurance. Amunt f Cver The amunt f cver is: General Liability: Check the current Certificate f Insurance r cntact Arthur J. Gallagher. Prducts Liability: Check the current Certificate f Insurance r cntact Arthur J. Gallagher. What is Cvered? Cver is prvided fr claims arising ut f: persnal injury prperty damage prduct liability advertising liability Additinal details are available at the CAMS website. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 19 Versin

20 7.2 Cmbined General Public and Prducts Liability Insurance Cntinued When is Cver Applicable? Cver is applicable during: mtr sprt activities sanctined / permitted by CAMS nn-mtrsprt activities, including cmmittee and club meetings, scial gatherings, fundraising activities, wrking bees, and nn-timed assembly drives and general club activities Excess A prperty damage excess applies fr all club t state champinship events and includes the fllwing: rallying racing mtrkhanas sprints static displays Greater excesses exist fr higher level events. The excess is brne by the clubs. T find ut the value f the excess, please cntact Arthur J. Gallagher. Cntractrs / Sub- Cntractrs / Gds and Service Prviders The CAMS plicy des nt prvide fr third parties persns r rganisatins fr liability they may incur. Affiliated clubs are advised t cntact Arthur J. Gallagher t discuss this matter in further detail. Specifically t determine what infrmatin / verificatin they wuld require frm Cntractrs / Sub- Cntractrs / Gds and Service Prviders prir t entering int any arrangements with them. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 20 Versin

21 7.3 Prfessinal Indemnity Insurance What Des it Cver? Prfessinal Indemnity Insurance prtects the Club and club members fr claims made against them fr negligent acts, advice, instructins r missins. CAMS prvides cverage thrugh its permit and licensing system. Amunt f Cver Check the current Certificate f Insurance r cntact Arthur J. Gallagher. What is Cvered? The insurance prvides cver fr breach f prfessinal duty arising t third parties. When is Cver Applicable? The cver is applicable at: thse events fr which a CAMS permit is issued advice which is given by any member, fficial r vlunteer whilst acting in his capacity as a mtr sprt fficial Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 21 Versin

22 7.4 Persnal Accident Insurance What Des it Cver? Persnal Accident Insurance prtects an individual against any disabling injuries suffered as a result f an accident which ccurs in a mtr sprt activity. CAMS prvides cverage thrugh its permit and licensing system. Wh is Cvered? There are three categries f persns cvered: Categry 1: drivers, c-drivers, crew members, pit crew and service crew. Categry 2: authrised fficials f the insured, i.e. club / rganiser. Categry 3: accredited phtgraphers. Additinal Units f Insurance Up t five (5) additinal units f persnal accident insurance are available t cmpetitrs. Fr details see the Insurance link n the CAMS website. Amunt f Cver & What is Cvered The amunt f cver is t detailed t list in this summary refer t the Insurance link n the CAMS website. When is Cver Applicable fr Categry 1? Cver fr Categry 1 is applicable whilst participating in any mtr sprt event (at all levels), including whilst engaged in fficial practice sessins; extended t unfficial practice prvided a written applicatin has been accepted by the track wner.! Fr licensed track events the cver cmmences frm when a persn reprts in prir t the start f any cmpetitin in which that persn is invlved; and finishes at the end f the event.! Fr nn-track events, cver cmmences frm the time f reprting in prir t the start f cmpetitin fr that persn; and finishes when that persn reaches the final destinatin f the event. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 22 Versin

23 7.4 Persnal Accident Insurance Cntinued When is Cver Applicable fr Categry 2? Fr authrised fficials, the cver cmmences frm the time the fficials leaves his nrmal place f residence r business; and finishes when the persn returns t ne r ther f thse lcatins, prvided that persn travels directly t that lcatin. Special Nte Additinal benefits and increased insurance levels are available by cntacting the CAMS insurance brker. Details f this extra cver and cntact are available thrugh the CAMS website. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 23 Versin

24 7.5 Vluntary Wrkers Insurance What Des it Cver? Vluntary Wrkers insurance prtects vlunteers against any disabling injuries suffered as a result f an accident including whilst traveling t and frm the Club s meetings and functins. The cst f the vluntary wrkers insurance is included in the annual car club affiliatin fee. Wh is Cvered? All vlunteer wrkers f all CAMS-affiliated car clubs are cvered. What is Cvered and Amunt f Cver? Bdily injury caused by an accident t a persn during the perid f the insurance and resulting in any f the injuries specified in the plicy. The infrmatin is t detailed t list in this summary. Refer t the Insurance link n the CAMS website fr cmprehensive infrmatin. When is the Cver Applicable? A persn is nly cvered whilst actually engaged in unpaid vluntary wrk perfrmed n behalf f the Club / Event Organiser. This includes direct travel t and frm r during the vluntary wrk. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 24 Versin

25 7.6 Directrs and Officers / Assciatin Liability Insurance What Des it Cver? The Directrs and Officers / Assciatin Liability Insurance cvers expsure t litigatin arising frm the prvisin f service t club members r t the public and nn-prfit clubs. Clubs and members wuld be very unwise t take the risk f perating withut the security f apprpriate prtectin. Separate Cver It shuld be nted that this plicy is quite separate frm the CAMS Public and Prducts Liability Insurance Plicy, which als prvides valuable prtectin t affiliated clubs. This cver specifically excludes prviding cver fr liability arising frm injury r damage t prperty, which is primarily the dmain f Public and Prducts Liability Insurance. Cst f Cver CAMS ffers cverage at a very reasnable cst. It is nt cvered in the permit and licensing system. Due t the number f CAMS affiliated clubs, and therefre the ptential fr pling f premiums, the cst f the cver has been substantially reduced as cmpared t the cst invlved with each club arranging its wn cver. Refer t the Insurance link n the CAMS website fr further details. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 25 Versin

26 7.7 Other Insurances t Cnsider Additinal Insurance t Cnsider It is imprtant fr a club t prvide adequate insurance fr its assets, and this can include insurance, such as: Directrs and Officers and Cmpany Reimbursement Insurance fr club and cmmittee members Wrkers Cmpensatin and Jurney Insurance if a club has emplyees Fire and Extraneus Perils Insurance if a club wns prperty, r is legally liable fr prperty Cmputer Insurance, Mtr Vehicle Insurance, etc if a club wns equipment Theft f Mney Insurance Event Insurance fr cancellatin f majr fundraising r event days Fidelity Insurance against theft f mney by members, cmmittee r emplyees (the Assciatin Liability Insurance includes cver fr this) Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 26 Versin

27 7.8 Claims Prcedure Surce f Infrmatin The Claims and Incident Reprting Prcedure is set dwn in the Insurance Prgram Handbk available thrugh the Insurance link n the CAMS website. Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 27 Versin

28 Cnfederatin f Australian Mtr Sprt Ltd. All use subject t Cnditins f Use f CAMS Manual f Mtr Sprt. Chapter 6 Risk and Insurance Page 28 Versin