Sport Insurance solutions. Football Federation Australia Limited 2015/16 Insurance Program Handbook

Transcription

1 Sport Insurance solutions Football Federation Australia Limited 2015/16 Insurance Program Handbook

2 Sport Insurance solutions Program Handbook 2015/16 CAMS Football Federation 2014/15 Insurance Australia Program Limited Handbook Arthur J. Gallagher Co (Aus) Limited ABN PO Box 3036 PARRAMATTA NSW Attention: Club Administrators FFA Affiliated Clubs and Competitions Introduction Arthur J. Gallagher has been working in close partnership with the Australian sports industry for over thirty years developing insurance and risk protection programs that identify and address the risks associated with sport. We are delighted to work in partnership with Football Federation Australia to provide a program designed to improve all aspects of a football member s physical, legal and financial safety. The handbook provides: 1. An outline of the insurance covers provided. 2. Explanation of the procedures to make a claim. 3. Information on other important matters in regard to the insurance program The insurance program was developed to provide insurance protection to those participants associated with Football Federation Australia who incur financial loss or liability exposure through an incident whilst participating in football activities. The program seeks to provide insurance benefits to those exposed to these risks as efficiently and cost effectively as possible. If you have any queries in regard to this insurance program or require assistance with any other insurance or risk management matters please give us a call. We look forward to providing exceptional service to the Australian football community. Yours sincerely, Steve van Leeuwen National Manager - Sport and Recreation Arthur J. Gallagher Arthur J. Gallagher. Sport

3 Contents Section 1 - Insurance Program Sports Injury - Group Personal Accident Insurance 1.2 Career Ending Injury Insurance (Hyundai A-League Players) 1.3 Public & Products Liability including Professional Liability Insurance Section 2 - A-League Club Specific Insurance HAL Club - Public & Products Liability including Professional Liability Insurance 2.2 HAL Club - Corporate Travel Insurance Section 3 - Claims Procedures Section 4 - Other Matters Section 5 - Appendices Appendix 5.2 Appendix 5.3 Appendix 5.4 Appendix 5.5 Page 3

4 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Section 1 - Insurance Program 1.1 Sports Injury - Group Personal Accident Insurance Period of insurance: 30th June 2015 at 4pm Local Standard Time to 30th June 2016 at 4pm Local Standard Time Insured Persons: Category 1 Category 2 Category 3 Category 4 Category 5 Category 6 Hyundai A-League Players National Team Players - who are not contracted with a Hyundai A-League Club National Youth League Players Westfield W-League Players All other insured person s (non-playing) including but not limited to team officials, coaches, trainers, managers, administrators, voluntary workers, selectors, medical officers, physiotherapists, match officials (referees and other match officials), ball boys, ambulance officers, and all directors, officers, employees, executive officers, office bearers, members and committees of the insured All trial players with any of the above Leagues in categories 1, 3 and 4 (benefits will be as per the category of insured person for the relevant league of the lub for whom they are trialling with). When is cover provided? Insured persons are covered when: a. Engaging/playing in official club matches/activities including championship, club, country or other State representative matches/activities (including A-League All Stars fixtures; Asian Champions League; Exhibition matches; National Premier Leagues and FFA Cup); b. Engaging in training or practice for activities as described in (a) above; c. Travelling directly between the matches/activities in (a) or (b) above, and the insured person s residence or place of employment or the premises of the insured; d. Staying away from the insured person s home district during a tour for the purpose of participating in representative and/or club matches/activities; e. Engaging in administrative or organised social or promotional activities of the insured; f. Participating in trials with an oversea club which has been sanctioned or approved by the Player s current A-League club, until such time the player is registered by the overseas club on loan or full transfer. Sums Insured Lump Sum Benefits Accidental Death and Capital Benefits Maximum Benefit Category 1 $150,000 Category 2 $150,000 Category 3 $150,000 Category 4 $150,000 Category 5 $150,000 Category 6 as per applicable Category above Arthur J. Gallagher. Sport

5 Weekly Benefits - Injury Category Amount Excess Period (Days) 1 To maximum weekly NET INCOME capped at a total maximum claim of $350,000 per annum Maximum Benefit Period % of Salary weeks 100% 2 $1, weeks 100% 3 $ weeks 100% 4 $1, weeks 100% 5 $1, weeks 100% 6 As per applicable Category above Notes: Weekly Benefit (Category 1) The maximum weekly benefit will not exceed the Players Annual Salary, Match Payments and superannuation as specified in their A-League Standard Player Contract, capped at $350,000 in a 12 month period, divided by 52 weeks. 1. Payable for 104 weeks maximum following Bodily injury, other than for Player s 35 years of age or over at the date of injury whereby the maximum benefit period is 52 weeks. 2. To be paid as per the annual contract amount, divided by 52 (weeks), win/draw and appearance bonuses to be averaged out for the period of incapacity. Nonplaying football duties income, divided by 52 (weeks). 3. No allowance is made for sign on fee. 4. Weekly payments are to continue beyond the expiration of the annual contract up to a maximum of 104 weeks inclusive of the weeks paid during the contract period. The player will be paid directly (rather than by the club) after the contract expiration period unless a new contract is signed with an A-League Club. Weekly payments will continue on the same level as the contract at the time of the bodily injury, that is if the player signs a higher contract the weekly benefits will not be increased to the new contract. The weekly payments will stop once the player is declared fit to resume normal training and/or playing duties. Page 5

6 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Additional Benefits Student Tutorial Costs Where a benefit is payable under the policy and where the insured person requires home tuition by a qualified tutor to replace existing tutorage outside the home, when certified by a Doctor the Insurer will pay 80% of all actual reasonably incurred charges for the cost of a tutor to a maximum weekly benefit of $500. The benefit period is limited to a maximum of 26 weeks. An excess period of 7 days applies. Non Medicare Medical Benefit If during the insurance period and within twelve (12) months of the date of injury the insured person incurs medical expenses, upon production of actual receipts, the Insurer will pay a benefit up to $10,000 in the aggregate per any insurance period. An excess of $50 applies per claim. The benefits do not include: payment for any health services which within the meaning of the Commonwealth Private Health Insurance Act 2007 or the Private Health Insurance (Health Insurance Business) Rules 2009 would constitute the carrying on of health insurance business. This includes the gap between any Medicare or Private Health Insurance rebate and the actual expense incurred. any expense which is claimable against Medicare or any private health insurance fund. Medical Expenses Incurred Overseas/Medical Evacuation for all Competitions In the event medical expenses and or medical evacuation expenses are incurred by an insured person whilst overseas participating in competition the policy will pay a maximum benefit of $100,000 per insured person. An excess of $500 applies. Kidnapping In the event an insured person be kidnapped whilst covered by the policy, the insurer will pay 10% of the Permanent Total Disablement as listing in the schedule of benefits. Domestic Help Expenses Benefit Where a benefit is payable under the policy and where the insured person requires domestic assistance as certified by his or her treating doctor, the Insurer will pay 80% of all actual and reasonable expenses for the services of a recognised and licensed provider of domestic home help services as applicable to the insured person up to a maximum weekly benefit of $1,000. The benefit period is limited to a maximum of 26 weeks. An excess period of seven (7) days applies. For the purposes of this benefit, domestic assistance means the usual and normal duties undertaken by the insured person as a homemaker, sole provider for dependent children such as child-minding, cleaning, cooking, school pick up and drop offs. Funeral Benefit If during the insurance period an insured person suffers accidental death, the Insurer will pay all reasonably incurred funeral charges. The maximum amount they will pay is $10,000. Parents Inconvenience Allowance It is hereby noted and agreed if an insured person under 20 (twenty) years of age and wholly dependent on his/her parents for maintenance and support is hospitalised as a result of an injury, the Insurer will pay the insured $25.00 (twenty five dollars) per day. Benefit period 104 weeks other than players 35 years or older whereby maximum benefit period is 52 weeks Geographical Limits Worldwide Law & Jurisdiction This Insurance shall be governed by and construed in accordance with the laws of Australia and the exclusive jurisdiction of the courts of Australia. Insurer Arch Underwriting at Lloyd s (Australia) Pty Ltd ABN for and on behalf of Arch Syndicate 2012 at Lloyd s - 100% Please note: The cover outlined is a broad summary only - please refer to the policy wording for details of the terms and conditions, including exclusions. Arthur J. Gallagher. Sport

7 1.2 Career Ending Injury Insurance (Hyundai A-League Players) Period of insurance 30th June 2015 at 4pm Local Standard Time to 30th June 2016 at 4pm Local Standard Time Insured Persons: Category 1 Scope of Cover: Category 1 Sums Insured: Covered Events Covered Event 1 Covered Event 2 Lump Sum Benefits All contracted players of the Football Federation Australia Limited being part of the Hyundai A-League competition (including Marquee players) 24 hours per day, 365 days per year Accidental Death Maximum Sum Insured $500,000 Permanent Total Disablement Maximum Sum Insured $500,000 Category 1 To a maximum of $500,000 Aggregate Limit of Liability Covered Event(s) $5,000,000 Further endorsements attaching to the policy: 1. It is hereby noted and agreed that Permanent Total Disablement means Total Disablement which has lasted for at least 12 consecutive calendar months from the date of first diagnosis and which is certified by a doctor to entirely prevent the insured Person from ever again participating in his occupation as a professional football player or being no longer able to secure fulltime employment as a footballer at an annual wage of at least the prevailing minimum remuneration payable in the Hyundai A-League. 2. Lump sum benefit - Event 2 is payable in respect of Accident and Sickness. 3. There is no benefit payable in the event of death of an insured person if caused by sickness. 4. Contract Value means a player s remuneration and other entitlements payable to the player under the FFA Standard Player Contract and other entitlements payable to the player as set out in any Additional Services Agreement as approved by FFA including win/ draw and appearance bonuses. Geographical Limits Worldwide Age Band Up to 21 years Benefit 10 times annual salary Law & Jurisdiction: 21 to 23 years 8 times annual salary 24 to 25 years 6 times annual salary 26 to 27 years 4 times annual salary This Insurance shall be governed by and construed in accordance with the laws of Australia and the exclusive jurisdiction of the courts of Australia. 28 to 29 years 2 times annual salary 30 plus years 1 times annual salary Page 7

8 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Insurer Arch Underwriting at Lloyd s (Australia) Pty Ltd ABN for and on behalf of Arch Syndicate 2012 at Lloyd s - 100% Please note The cover outlined is a broad summary only - please refer to the policy wording for details of the terms and conditions, including exclusions. 1.3 Public & Products Liability including Professional Liability Insurance Period of insurance 30th June 2015 at 4pm local Standard Time to 30th June 2016 at 4pm Local Standard Time Who is covered? Football Federation Australia Limited and all subsidiaries, including The Western Sydney A-League Club Pty Ltd and Football Federation Australia Foundation Limited and A-League Club Operations Pty Ltd; Adelaide United Football Club Pty Ltd; Brisbane Roar Football Club Pty Ltd; Canberra United FC Pty Ltd; Central Coast Mariners FC Pty Ltd; Gold Coast United FC Pty Ltd; Melbourne Heart FC Pty Ltd; Melbourne Victory Ltd; Melbourne Victory Community Foundation Incorporated; Newcastle Jets Operations Pty Ltd; Okewood Pty Ltd; Sydney Football Club Pty Ltd; Welnix LP; Western Sydney Wanderers; Local Organising Committee AFC Asian Cup Australia 2015 Ltd; Local Organising Committee AFC Asian Cup 2015 Pty Ltd, all to the extent that they are not more specifically insured. All Official or Players as defined whilst undertaking activities in such capacity to the extent that they are not more specifically insured. Any Principal in respect of the liability of such Principal arising out of the performance by the Insured designated above, which is above any contract or agreement for the performance of work for such principal to the extent required by such agreement. Any incorporated or unincorporated association or organisation including their office bearers and members organised by the Insured or their employees with the consent of the Insured for the purpose of providing canteen, social, sports, welfare and or child care organisations or first aid, medical, fire or ambulance service. Business description: Principally the peak body for the promotion, development and control of the game of football in Australia, event promoter, training and accreditation of officials and players, provision of medical and other health practitioners, enforcement of football statutes, regulations and laws of the game including through judicial and disciplinary committees, transportation and accommodation co-ordination services, seller of sporting merchandise, property owner and occupier, landlord tenant, venue hirer, social and fund raising activities, owner of a football club and charitable foundation. Scope of cover: Legal liability to third parties in respect of bodily injury or property damage arising from the business of the Insured. Limit of Indemnity $20,000,000 Public Liability Any One Occurrence $20,000,000 Products Liability Any One Period of Insurance Sub limits $500,000 for any one Occurrence and in the aggregate in respect to Property in Physical or Legal Control of the Insured $20,000,000 any one Occurrence in respect of Advertising Liability $2,000,000 for any period of Insurance and in the aggregate in respect of sexual abuse/molestation. Retroactive date is 30/06/2012 $10,000,000 for any one Occurrence and in the aggregate in respect to Professional Liability. (Cover limited to employees including full time physiotherapist, officials, coaches and referees. Retroactive Date is 31/10/2004) Deductible $50,000 each & every occurrence (Public Liability); $50,000 each & every claim (Products Liability & Professional Liability); $50,000 each & every claim (Sexual Abuse/Molestation cover) Arthur J. Gallagher. Sport

9 Geographical limits: Worldwide All trips to the USA and/or Canada are to be declared to Insurer Insurer: 100% Lloyd s Underwriters Endorsements AIDS/HIV exclusion This Policy does not cover liability in respect of Personal Injury or Property Damage arising out of or caused by or in connection with - 1. The human immune deficiency virus (HIV) or any mutation, derivation or variation thereof: 2. Any HIV related illness including but not limited to acquired immune deficiency syndrome (AIDS) or any mutation, derivation or variation thereof. Construction limitation This Policy does not cover Personal Injury or Property Damage arising out of or in any way connected with the construction, erection, alteration, demolition of and/or addition to buildings by or on behalf of the Insured. However, this exclusion shall not apply to the construction, erection, alteration, demolition of and/or addition to buildings by or on behalf of the Insured where the total value of such works does not exceed $100,000. Service providers vicarious endorsement This Policy does not cover liability in respect of Personal Injury or Property Damage arising out of or caused by or in connection with the Insured s service providers. A service provider means anyone engaged by the Insured to provide goods or perform a service. Service providers include but are not limited to security services, amusement operators, pyro technicians, entertainers, food vendors, stall holders, sound & lighting companies & Contracted Labour but does not include volunteers or the Insured s employees. However, this exclusion shall apply to the Insured s vicarious liability arising from an act, error or omission of service providers that have provided the Insured with proof of liability insurance. Professional Indemnity Endorsement Notice to the insured - The terms and conditions of this Endorsement provide that: 1. A Claim (as defined within this Endorsement) must be made against the Insured during the Period of Insurance for this Policy to apply; and 2. The Insured must immediately notify the Insurer in writing of such Claim(s). Such notification must be given to the Insurer during the Period of Insurance for this Policy to apply. If any circumstances or facts come to the attention of the Insured during the Period of Insurance which are likely to give rise to a Claim(s) being made against them or which the Insured should reasonably expect to give rise to a Claim(s) being made against them, the terms and conditions of this Endorsement provide an option as to whether or not to notify the Insurer. However, failure to notify may affect Policy indemnity, i.e. All or part of any subsequent Claim(s) may not be covered. Assuming the option to notify the Insurer is chosen such notification must be given in writing during the Period of Insurance for this Policy to apply. The time of the happening of the negligent act, error or omission which gives rise to a Claim(s) or a possible Claim(s), is not of relevance provided they occur after the Retroactive Date specified in the Schedule. Upon expiry of the Period of Insurance, no further Claim(s) can be made under this Policy and therefore the maintenance of insurance provided by this Endorsement is essential. Cover applicable to this endorsement - The Insurer, to the extent and in the manner hereinafter provided, hereby agrees to pay to or on behalf of the Insured up to the Limit of Liability as stated in the Schedule as applying to this Endorsement against all sums which the Insured shall become legally liable to pay as Compensation for Personal Injury and/or Property Damage as a result of a Claim or Claims first made against the Insured and reported to the Insurer during the Period of Insurance arising out of an act, error or omission committed or alleged to have been committed by or on behalf of the Insured in breach of the Insured s Professional Duty in connection with the Business. Limit of liability and excess applicable to this endorsement - The Insurer hereby agrees to pay all costs in the defence of a Claim for which indemnity is available under this Endorsement provided Page 9

10 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited that the total aggregate liability (including Supplementary Payments) shall not exceed the Limit of Liability specified in the Schedule as applying to this Endorsement notwithstanding the number of Claims made. The Excess shown in the Schedule as applying to this Endorsement shall be the amount first payable by the Insured in respect of any one Claim and shall be borne by and at the Insured s own risk. The Insurer s liability shall only be in excess of this amount. Exclusions applicable to this endorsement - This Endorsement does not cover liability: 1. Which is already excluded under the Policy. 2. Which is more specifically insured against in any other section of this Policy. 3. Arising out of acts, errors or omissions which occurred or allegedly occurred prior to the Retroactive Date specified in the Schedule. 4. Arising out of any facts or circumstances of which the Insured was aware of prior to the commencement of the Period of Insurance or which a reasonable person in the Insured s position would have considered may give rise to a Claim. 5. Assumed under contract or agreement unless such liability would have attached in the absence of such contract or agreement. 6. Arising from an Occurrence which is inevitable having regard to the circumstances and nature of the work undertaken. 7. Arising from or in connection with advice, consultancy, specification, supervision or other Professional Duty given or undertaken by the Insured not in relation to the Business 8. Arising out of conspiracy, conversion, deceit, inducement, breach of contract, injurious falsehood or fraudulent, criminal or malicious act or omission of the Insured. 9. Arising in North America or in respect of any Claims which would be subject to the jurisdiction of the Courts of North America. 10. Incurred by or caused by a Director or Officer of the Insured whilst acting within the scope of their duties in such capacity. Definitions applicable to this endorsement Claim or Claims means i. Any writ, statement of claim, summons, application or other originating legal or arbitral process, cross claim, counterclaim or third or similar party notice issue against or serviced upon the Insured or, ii. The receipt by the Insured of any written or verbal notice of demand for compensation made by a third party against them. Professional Duty means the duty owed in a professional capacity by employees, officials, coaches & referees. Conditions applicable to this endorsement 1. The Insured shall, as a condition precedent to their right to be indemnified under this Endorsement give to the Insurer as soon as practicable notice in writing during the Period of Insurance: iii. of any Claim(s) made against the Insured. iv. of the receipt of notice from any person of an intention to make a Claim against the Insured. 2. The Insured shall give to the Insurer, as soon as practicable, notice in writing during the 3. Period of Insurance of any circumstance of which they become aware during the Period of Insurance, likely to give rise to a Claim against them. If, during the Period of Insurance, the Insured becomes aware of any circumstances which might subsequently give rise to a Claim under this Endorsement and elect, during the Period of Insurance, to give written notice to the Insurer of such circumstances, then any such Claim which might subsequently arise out of such circumstances will be deemed to have been made during the Period of Insurance. Arthur J. Gallagher. Sport

11 Specific endorsements All Clubs are to maintain their own liability Insurance in respect to non-game day activities. It is hereby noted and agreed that all declared doctors, physiotherapists and masseurs utilised by the various National Teams are to be appropriately qualified and carry their own insurance, unless specifically noted. It is hereby noted and agreed that strict protocols are in place in respect to what is and isn t allowed into venues. It is further agreed it is the responsibility of the venue operator and the contracted security to check for prohibited items being brought into the venues. Definitions agreed as per FFA Statutes: Official means a Club Official, Match Official or Team Official, an employee, officer or director of FFA or a Member Federation, a District Association or a Competition Administrator or a member of a standing committee or other council, committee, panel or body constituted by FFA, a Member Federation, a District Association or a Competition Administrator. Club Official means any person involved with the administration, management or organisation of a Club (whether paid or unpaid), including employees, officers and directors and representatives. Match Official means a referee, assistant referee, fourth official, match commissioner, referee, inspector, selector, any person in charge of safety or any other person appointed by FFA or a Competition Administrator to assume responsibility in connection with the Match. Team Official means any personnel involved with the management preparation or participation of a Clubs Team (whether paid or unpaid), including the coaches, managers, medical staff (including team or match day doctor), physiotherapist, gear persons and other support staff. Player means any person who is registered with FFA as a player in accordance with the National Registration Regulations from time to time or is selected as a member of a Representative Team. Personal Injury means: (a) bodily injury, death, sickness, disease, disability, shock, fright, mental anguish or mental injury; (b) false arrest, false imprisonment, malicious prosecution and humiliation; (c) libel, slander, defamation of character (other than Advertising Liability) (d) wrongful entry or wrongful eviction or other invasion of the right of private occupancy; (e) assault and battery not committed by or at the direction of the Insured unless committed for the purpose of preventing or eliminating danger to persons or property which occurs during the Policy Period. Please note: The cover outlined is a broad summary only - please refer to the policy wording for details of the terms and conditions, including exclusions. 1.4 Umbrella Liability Insurance Period of insurance 30th June 2015 at 4pm Local Standard Time to 30th June 2016 at 4pm Local Standard Time Who is covered? Football Federation Australia Limited and all subsidiaries, including The Western Sydney A-League Club Pty Ltd and Football Federation Australia Foundation Limited and A-League Club Operations Pty Ltd; Adelaide United Football Club Pty Ltd; Brisbane Roar Football Club Pty Ltd; Canberra United FC Pty Ltd; Central Coast Mariners FC Pty Ltd; Gold Coast United FC Pty Ltd; Melbourne Heart FC Pty Ltd; Melbourne Victory Ltd; Melbourne Victory Community Foundation Incorporated; Newcastle Jets Operations Pty Ltd; Okewood Pty Ltd; Sydney Football Club Pty Ltd; Welnix LP; Western Sydney Wanderers; Local Organising Committee AFC Asian Cup Australia 2015 Ltd; Local Organising Committee AFC Asian Cup 2015 Pty Ltd, all to the extent that they are not more specifically insured. All Official or Players as defined whilst undertaking activities in such capacity to the extent that they are not more specifically insured. Any Principal in respect of the liability of such Principal arising out of the performance by the Insured designated above, which is above any contract or agreement for the performance of work for such principal to the extent required by such agreement. Any incorporated or unincorporated association or organisation including their office bearers and members organised by the Insured or their employees with the consent of the Insured for the purpose of providing canteen, social, sports, welfare and or child care organisations or first aid, medical, fire or ambulance service. Page 11

12 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Business Description Principally the peak body for the promotion, development and control of the game of football in Australia, event promoter, training and accreditation of officials and players, provision of medical and other health practitioners, enforcement of football statutes, regulations and laws of the game including through judicial and disciplinary committees, transportation and accommodation co-ordination services, seller of sporting merchandise, property owner and occupier, landlord tenant, venue hirer, social and fund raising activities, owner of a football club and charitable foundation. Limit of Indemnity $80,000,000 any one occurrence/claim and in the aggregate where specified in the underlying In excess of (a) Underlying insurances as per schedule attached Or (b) Self-Insured Retention $10,000 each and every claim where no concurrent insurance applies. Territorial Limits Worldwide Memoranda attaching to and forming part of Policy: Participants Liability The insured is indemnified in respect of claims for Personal Injury or Property Damage brought by or in respect of a participant competing in and/or practising a covered activity. This Policy does not apply to claims brought by one participant against another participant for Personal Injury or Property Damage occurring whilst competing in and/or practicing a covered activity. For the purpose of this clause covered activity means the sport referred to in the Schedule and/or activity in the nature of the Business. Provided further that nothing contained herein shall be deemed to increase the limit of the Insurer s liability specified in the Schedule. All Memoranda are subject otherwise to the terms, conditions, limitations and exclusions of the Policy. Insurer Certain underwriters at Lloyd s of London - 100% Please note: The cover outlined is a broad summary only - please refer to the policy wording for details of the terms and conditions, including exclusions. General Liability Cover - Insured Clubs It is understood and agreed that this Policy extends to include liability arising out of or in connection with the operation of football clubs named in Insured schedule b) in the event of: 1. Unintentional failure to place underlying insurance 2. Inadequate provision of underlying insurance coverage Arthur J. Gallagher. Sport

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14 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Section 2 - A-League Club Specific Insurance 2.1 HAL Club - Public & Products Liability including Professional Liability Insurance Period of insurance 30th June 2015 at 4pm local Standard Time to 30th June 2016 at 4pm Local Standard Time Who is covered? Hyundai A-League Football Clubs being- Adelaide United FC operated by Adelaide United Football Club Pty Ltd (ABN ); Brisbane Roar FC operated by Brisbane Roar Football Club Pty Ltd (ABN ); Central Coast Mariners FC operated by Central Coast Mariners FC Pty Ltd (ABN ); Melbourne Heart FC operated by Melbourne Heart FC Pty Ltd (ABN ); Melbourne Victory FC operated by Melbourne Victory Ltd (ABN ); Melbourne Victory Community Foundation Incorporated; Newcastle Jets FC operated by Newcastle Jets Football Operations Pty Ltd (ABN ) and Newcastle Jets FC operated by A-League Club Operations Pty Ltd (ABN ); Perth Glory FC operated by Okewood Pty Ltd (ABN ); Sydney FC operated by Sydney Football Club Pty Ltd (ABN ); Wellington Phoenix FC operated by Welnix LP (NZ Company No ); Western Sydney Wanderers FC operated by Western Sydney Wanderers FC Pty Ltd (ABN ); All to the extent that they are not more specifically insured. All members, players, coaches, officials, first aid personnel, administrators and voluntary workers of those bodies as defined whilst undertaking activities in such capacity to the extent that they are not more specifically insured. Any Principal in respect of the liability of such Principal arising out of the performance by the Insured designated above, which is above any contract or agreement for the performance of work for such principal to the extent required by such agreement.; Any incorporated or unincorporated association or organisation including their office bearers and members organised by the Insured or their employees with the consent of the Insured for the purpose of providing canteen, social, sports, welfare and or child care organisations or first aid, medical, fire or ambulance service. Interested party Football Federation Australia Limited for respective rights and interests Business Description Principally promotion, administration, organisers and participators in the sport of football and all activities incidental thereto including property owners/occupiers and any other incidental occupation. Business includes all activities outside of scope of protection provided under the Football Federation Australia/A-League game day liability policy - including but not limited to: Engaging and participating in football training at all venues; Football coaching clinics conducted by club development staff; Corporate and promotional functions/activities the club hold; Manage, organise and promote one or more football teams; Employ coaching staff, masseuses, physios; Employ management, sponsorship, finance, community and promotional services; Enter into venue hire agreements for the purposes of training and matches; Co-ordinate travel and accommodation for teams which to travel to play matches and for promotional events; Coaching, training and refereeing of football matches; Administration, management and organisation of football club and teams; Team selection and management; Medical physiotherapy and similar services to Players and Officials and any other occupation incidental thereto. Arthur J. Gallagher. Sport

15 Scope of Cover Legal liability to third parties in respect of bodily injury or property damage arising from the business of the Insured Limit of Indemnity $20,000,000 Public Liability - each and every claim or series of claims arising out of any one Occurrence $20,000,000 Product Liability - each and every claim or series of claims arising out of any one Occurrence and in the aggregate during any one Period of Insurance Sub-limits of liability $250,000 each and every claim or series of claims arising out of any one Occurrence with respect to property in the Insured's Care, Custody or Control $2,000,000 for any one Claim and in the aggregate in respect of Sexual Abuse/Molestation excluding known claims and circumstances. Retroactive date is 30/06/2012 $10,000,000 for any one Occurrence and in the aggregate in respect to Professional Liability. Retroactive Date is 30/06/2013. Deductible $2,500 any one Occurrence (costs inclusive) for all claims other than; $10,000 any one Occurrence (costs inclusive) for all sexual abuse/molestation claims other than; Personal Injury to Labour Hire/Contractor/Sub- Contractor - $25,000 each and every Occurrence Professional Liability - $2,500 any one Claim (costs inclusive) *Labour Hire/Contractor/Sub-Contractor means any person engaged in any aspect of the Business of any Person Insured whilst employed by an employment agency, placement agency, labour hire company or any other company or person whose business is or includes the supply and/ or provision of labour. Geographical Limits Law & Jurisdiction This Insurance shall be governed by and construed in accordance with the laws of Australia and New Zealand (in respect of the Wellington Phoenix) and the exclusive jurisdiction of Australia and New Zealand (in respect of the Wellington Phoenix). Subjectivities All persons working with minors having undergone satisfactory background checks. The insured is required to have a suitable child protection policy (procedures) in place. Insurer 100% Lloyd s Underwriters Professional Liability Endorsement: 1. Insuring clause By this endorsement the Insurer agrees to indemnify the Insured against liability to pay compensation or damages for personal injury and/or property damage arising from a claim first made against the Insured and notified to the Insurer during the Period of Insurance and resulting from breach of Professional Duty in connection with the Insured s business. 2. Definitions Professional Duty means: A duty owed in a professional capacity by the categories of professionals referred to in the Schedule. 3. Limit of liability The limit of the Insurer s liability in respect of any one claim and in respect of all Indemnities provided by this endorsement shall not exceed the limit of liability stated in the Schedule. The total aggregate liability of the Insurer during any one period of insurance for all claims shall not exceed the limit of liability stated in the Schedule. Worldwide excluding USA/Canada Page 15

16 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited 4. Exclusions (in relation to this endorsement) The Insurer shall not indemnify the Insured in respect of any claim against the Insured: e. arising out of any legal liability of whatsoever nature directly or indirectly arising out of any breach of duty whether by way of act, error or omission within the territorial limited of the United States of America, its territories and possessions or the Dominion of Canada notwithstanding the Geographical limits of the Main Policy; f. arising out of claims and circumstances noted on the proposal form for the current period of cover or on any previous proposal form; g. for damages or compensation in respect of injury to any person or damage to property or advertising liability for which indemnity is provided under the Main Policy; i. made or threatened or in any way intimated to the Insured prior to the inception of this endorsement; ii. arising from any circumstance or circumstances of which the Insured had become aware prior to the endorsement inception and which a reasonable person in the Insured s position would at any time prior to endorsement inception have considered may give rise to a claim or claims against the Insured in respect of a liability covered under this endorsement; c. any claims arising out of an act, error or omission committed or alleged to have been committed by a director, trustee or officer of the Insured in the course of their duties in such capacity; d. as a result of the insolvency, bankruptcy or liquidation of the Insured; e. by reason of any negligent act, error or omission committed or alleged to have been committed prior to the retroactive date as stated in the Schedule; f. for provision of finance or advice in relation to financial matters; g. for costs guarantees or estimates of probable costs or cost estimates being exceeded; h. brought about or contributed to by the dishonest, fraudulent, criminal or malicious act or omission of the Insured (and/or any Insurer or entity which has a beneficial interest in the Insured) or their predecessors in business; i. subject to the Insurance Contracts Act 1984 (Cth) the Insurer shall not be liable in respect of any claim or claims for which the Insured is or would be entitled to indemnity under any other insurance required by law to be in effect or any other insurance, statutory fund or fidelity fund of any description. j. in respect of any claim made against the Insured which relates to any duty or obligation assumed by the Insured which is not assumed in the normal conduct of the Insured s business. k. arising out of any activities in which the Insured is engaged as a joint venture or as a partner unless such liability arises directly out of the negligent acts, errors or omissions of the Insured as defined in this endorsement. For the purpose of this exclusion joint venture means an enterprise carried on in common by the Insured with a third party or parties not being an Insured under this endorsement. 5. Proviso This endorsement applies subject to the terms, conditions and limitations of the Main Policy. Please note: The cover outlined is a broad summary only - please refer to the policy wording for details of the terms and conditions, including exclusions. Arthur J. Gallagher. Sport

17 2.2 HAL Club - Corporate Travel Insurance Period of insurance 30th June 2015 at 4pm Local Standard Time to 30th June 2016 at 4pm Local Standard Time Who is covered? Hyundai A-League clubs (including National Youth League) as follows - 1. Adelaide United FC operated by Adelaide United Football Club Pty Ltd (ABN ) 2. Brisbane Roar FC operated by Brisbane Roar Football Club Pty Ltd (ABN ) 3. Central Coast Mariners FC operated by Central Coast Mariners FC Pty Ltd (ABN ) 4. Melbourne City FC operated by Melbourne City FC Pty Ltd (ABN ) 5. Melbourne Victory FC operated by Melbourne Victory Ltd (ABN ) 6. Newcastle Jets FC operated by A-League Club Operations Pty Ltd (ABN ) 7. Perth Glory FC operated by Okewood Pty Ltd (ABN ) 8. Sydney FC operated by Sydney Football Club Pty Ltd (ABN ) 9. Wellington Phoenix FC operated by Welnix LP (NZ Company No ) National Youth League 1. Adelaide United FC operated by Adelaide United Football Club Pty Ltd (ABN ) 2. Australian Institute of Sport operated by Australian Sports Commission (ABN ) 3. Brisbane Roar FC operated by Brisbane Roar Football Club Pty Ltd (ABN ) 4. Central Coast Mariners FC operated by Central Coast Mariners FC Pty Ltd (ABN ) 5. Melbourne City FC operated by Melbourne City FC Pty Ltd (ABN ) 6. Melbourne Victory FC operated by Melbourne Victory FC Pty Ltd (ABN ) 7. Newcastle Jets FC operated by A-League Club Operations Pty Ltd (ABN ) 8. Perth Glory FC operated by Okewood Pty Ltd (ABN ) 9. Sydney FC operated by Sydney Football Club Pty Ltd (ABN ) 10. Western Sydney Wanderers FC operated by Western Sydney Wanderers FC Pty Ltd (ABN ) A-League club travel in respect of all 27 match regular A-League season (including finals); National Youth League; Asian Champions League; and all sanctioned pre-season fixtures including FFA Cup and National Premier League; and sanctioned exhibition fixtures. 10. Western Sydney Wanderers FC operated by Western Sydney Wanderers FC Pty Ltd (ABN ) Page 17

18 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Scope of Cover Cover under this policy applies whilst an insured person is engaged in a journey which involves a destination in excess of 50 kilometres from the normal place of residence or place of business of the insured person. Cover also includes any incidental private travel. Cover shall commence from the time an insured person leaves his/her residence or normal place of business whichever is the place of departure for the commencement of such travel and continues on a full time 24 hour basis until he/ she returns to his/her residence or normal place of business whichever first occurs. Any journey must not exceed 180 days. Geographic Limits Worldwide. Aggregate Limit of Liability (per Policy): All Policy Sections $10,000,000 Non Scheduled Flight - All Policy Sections $1,000,000 Kidnap and Extortion $500,000 Political and Natural Disaster Evacuation $100,000 Extra Territorial Workers Compensation $2,000,000 Insurer: Arch Underwriting at Lloyd s (Australia) Pty Ltd ABN for and on behalf of Arch Syndicate 2012 at Lloyd s 100% Please note: The cover outlined is a broad summary only - please refer to the policy wording for details of the terms and conditions, including exclusions. Schedule of Benefits per Policy: Section 1 - Part A All Categories Personal Accident Lump Sum Benefits Sum Insured Covered Event 1 Accidental Death 7 x Salary to a maximum $500,000 Covered Event 1 Accidental Death - Accompanying Spouse or Partner 7 x Salary to a maximum $500,000 Covered Event 1 Accidental Death - Dependent Child(ren) $20,000 Covered Events 2-26 As per Table of Benefits 7 x Salary to a maximum $500,000 Covered Events 2-26 Accompanying Spouse/Partner 7 x Salary to a maximum $500,000 Covered Events Surgical Benefits as a result of Bodily Injury or $25,000 Sickness. As per Table of Benefits 2 & 3 Covered Events Bodily Injury resulting in Fractured Bones. As per $5,000 Table of Benefits 4 Covered Events Bodily injury resulting in Loss of Teeth or Dental procedures. As per Table of Benefits 5 $2,000 Section 1 - Part B All Categories Personal Accident Lump Sum Benefits as a Result of Participation in the Sport Sum Insured Covered Event 1B Accidental Death Not Covered Arthur J. Gallagher. Sport

19 Section 1 - Part B All Categories Personal Accident Lump Sum Benefits as a Result of Participation in the Sport Sum Insured Covered Event 2B Permanent Total Disablement Not Covered Section 1 - Part C All Categories Loss of Income Loss of income as a result of Bodily Injury and Sickness Covered Events 47 and 48 Covered Events 48 and 50 Sum Insured Temporary Total Disablement as a result of Bodily $1,000 per week Injury or Sickness Temporary Partial Disablement as a result of Bodily % of $1,000 per week Injury or Sickness Maximum Percentage of Salary 85% Maximum benefit Period (weeks) 156 Excess Period (days) 7 Section 1 - Part D All Categories Not covered Loss of Income Benefits as a Result of Participation in the Sport Sum Insured Section 2 - Part A All Categories Medical and Additional Expenses Hospital Bed Confinement Medical and Additional Expenses Sum Insured Unimited $100 per day up to a maximum of 60 days Section 2 - Part B Medical and Additional Expenses incurred as a Result of Participation in the Sport Sum Insured Medical and Additional Expenses $100,000 Medical and Additional Expenses excess $100 Hospital Bed Confinement $100 per day up to a maximum of 60 days Section 3 - All Categories Cancellation, Loss of Deposits and Missed Transport Connection Sum Insured Cancellation and Curtailment Unlimited Loss of Deposits $20,000 Missed Transport Connection $10,000 Section 4 - All Categories Baggage and Personal Belongings, Money and Sporting Equipment Sum Insured Loss or Damage $15,000 Maximum Sum Insured any one item $15,000 Personal Electrical Items $10,000 Excess $250 Page 19

20 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Section 4 - All Categories Baggage and Personal Belongings, Money and Sporting Equipment Sum Insured Delayed Baggage and Personal Belongings $3,000 Money $5,000 Section 5 - All Categories Alternative Employee or Return to Assignment Sum Insured Alternative Employee or Return to Assignment $20,000 Section 6 - All Categories Kidnap, Hijack or Detention Sum Insured Kidnap, Hijack or Detention $500,000 Section 7 - All Categories Rental Vehicle Excess Sum Insured Rental Vehicle Excess $5,000 Return of Rental Vehicle $500 Section 8 - All Categories Personal Liability Sum Insured Personal Liability $10,000,000 Section 9 - All Categories Political, and Natural Disaster Evacuation Sum Insured Per Person $20,000 Section 10 - All Categories Extra Territorial Workers Compensation Benefits Sum Insured Weekly Benefit $1,000 per week Sum Insured $1,000,0000 Section 11 - All Categories Additional Benefits under the Policy Sum Insured Death as result of a Specified Sickness $50,000 Trauma Benefit $5,000 Overbooked Flight $5,000 Home Burglary Excess $1,000 Arthur J. Gallagher. Sport

21 Section 3 - Claims Procedures General Information The following basic rules will assist in the smooth and speedy settlement of all claims: Notify claim to the appropriate person/party as soon as possible. At no stage should liability be admitted. All summons/writs concerning insurance must be sent to Arthur J. Gallagher & Co (Aus) Limited. When a criminal act is involved or suspected, the police must be notified. Receive insurer s authorisation prior to repairing/ replacing damaged property or equipment, except in instances where there is potential for further loss or damage, whereupon immediate action should be taken. See below for more detailed instruction for specific claim types: -- Sports Injury -- Public Liability and Professional Indemnity -- Corporate Travel How to make a Sports Injury (Personal Accident) claim 1. Obtain a claim form from your Club, or Arthur J. Gallagher. 2. Complete the claim form in its entirety, all sections are mandatory. Attach all supporting documents (player contract, all medical reports, rehabilitation programs etc) prior to submission. 3. A claim form should be submitted within 30 days from the date of the injury. 4. All claims are submitted to Arthur J. Gallagher: sportingclaims@ajg.com.au or; postal: Attention: Sporting Claims GPO Box 1113 BRISBANE QLD 4001 Note All correspondence to go through Arthur J. Gallagher unless otherwise advised. Arthur J. Gallagher will liaise with your Insurer, and provide a monthly update to your nominated contact. Liability and Professional Indemnity Claims In the event that a demand is made upon a player, club or association claiming negligence resulting in personal injury, property damage or financial loss, refer all details immediately to Arthur J. Gallagher. It is a condition of your policy that you do not admit liability. This must be left to the insurance underwriter and their legal representatives to conclude. Any writ, summons, letters of demand, etc, must be forwarded to Arthur J. Gallagher immediately. You must assist the underwriter with their investigations and co-operate with any potential recovery actions. Corporate Travel Claims Notification As soon as reasonably possible advise Arthur J. Gallagher of any incident/loss. Acknowledgment Arthur J. Gallagher will respond with a claim form for completion and advise the following: -- the insurer s investigating/assessing requirements -- the supporting documentation required -- the repair/replacement procedure Records You must keep detailed accurate records of: -- items lost/stolen/damaged -- medical treatment and accounts -- action taken -- costs incurred Criminal Acts Any claim you know or suspect involves a criminal act must be reported to the police. Page 21

22 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Some Common Questions What is Medicare? Medicare is a Federal Government initiative that provides Australian residents with free or low-cost medical care. The Medicare Benefits Schedule (MBS) lists every treatment available through Medicare including each associated rebate (financial reimbursement available). What is the Medicare gap? The Medicare Benefits Schedule allocates a reimbursement amount for each Medicare item. Example: A consultation with a doctor at their consulting rooms = $16.95 Medicare Rebate (ref. p116 MBS April 2015) However, your doctor may charge you more than the MBS rebate amount. The difference between your doctor s invoice and the Medicare rebate is called the Medicare Gap Example: Your doctor charges $60.00 for your consultation; however the Medicare rebate is only $16.95 so your Medicare Gap is $ Please note, some doctors bulk bill which means they only receive payment as listed in the MBS. This means you are not charged any additional costs. You should speak to your doctor s office about bulk billing prior to your consultations. Why won t our Sport Injury insurance program cover the Medicare gap? The Health Insurance Act 1973 (Cth) strictly prohibits any general insurer from providing cover for any item listed on the MBS. This means that if you receive treatment for your injury and any of your treatments or consultations are listed on the MBS, your sport s Insurer is not allowed to reimburse you for those costs. This includes the Medicare Gap. If your invoice does not contain any Medicare Item Numbers, you may be eligible to claim reimbursement through the FFA Sport Injury Insurance Program. Will you pay my bills up front? All accounts must be paid and private health insurance claimed prior to sending them to Arthur J Gallagher. What are non-medicare medical expenses? Non-Medicare medical expenses are those medical expenses that are not subject to any full or partial Medicare rebate. Examples of expenses that are not claimable under this section include - Doctor s fees Surgeon and anaesthetists fees X-Ray costs Examples of expenses that are generally claimable under this section are - Private hospital accommodation fees and theatre costs Physiotherapy and chiropractic treatment (these expenses must be incurred on the advice of a registered doctor) Ambulance expenses Dental Orthotics, splints and prosthesis Where can I find more information? Medicare eligibility information Medicare Benefits Schedules and updates How do I know what is claimable by insurance? In most circumstances, you will receive a Tax Invoice from your medical provider that will identify the Medicare Item Number (MIN) for each consultation or treatment you have received. Arthur J. Gallagher. Sport

23 Key Definitions Certain words used in the Sport Injury policy have special meanings, key definitions used in relation to Pre Existing Condition and Bodily Injury as follows: Pre Existing Condition What is the definition of Pre-Exisitng Condition under the Sport Injury program? Pre-Existing Condition means physical and/or psychological impairment, defect, infirmity or degenerative process which existed and was diagnosed during the five years immediately prior to the commencement of the Covered Person s initial Operative Period of Cover, and for which medical treatment was rendered, recommended or prescribed by a Health Care Practitioner, or in the event that it has not been so diagnosed, in the opinion of a Health Care Practitioner, the Covered Person could reasonably have been expected to be aware of its existence at the commencement of the Policy. Bodily Injury What is the definition of Bodily Injury condition under the Sport Injury program? Bodily Injury means a specific injury solely and directly caused by an Accident and is not the accumulation of a series of Accidents and/or traumas and is not contributed to or aggravated by any Pre-Existing Condition. Bodily Injury date means the earlier of: the date the Covered Person s Health Care Practitioner reasonably diagnoses as the most likely date of the Bodily Injury; the date Our Health Care Practitioner reasonably diagnoses as the most likely date of the Bodily Injury; the date the Covered Person first became aware of the Bodily Injury or a reasonable person in the circumstances would have been aware of the Bodily Injury; the date the Covered Person first received medical treatment for the Bodily Injury; and the date the Bodily Injury is first diagnosed by a Health Care Practitioner. Accident What is the definition of Accident under the Sport Injury Program ACCIDENT (AL) means a single, sudden and unexpected event, which occurs at an identifiable time and place during the Covered Person s Operative Period of Cover and which directly and independently causes BODILY INJURY or death. Players on Trial Are Trialists covered undert the Sports Injury? Triallists are covered under the Sports Injury policy; however benefits payable exclude Loss of Income. Overseas Cover The Sports Injury and Liability policies extend to cover insured players, coaches and officials whilst overseas on sanctioned activities. Liability cover for USA and/or Canada is subject to insurer acceptance. Under the Sports Injury policy in the event medical expenses and or medical evacuation expenses are incurred by an insured person whilst overseas participating in competition the policy will pay a maximum benefit of $100,000 per insured person. An excess of $500 applies. Also players are covered whilst participating in trials at an overseas club which has been sanctioned by the player s current A-League club, until such time the player is purchased by the overseas club on loan or full transfer. Page 23

24 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Minimising Claims and Injuries Insurance is quite often one of the largest expenses for a sporting organisation. Premiums for sports insurance are largely based on claims experience. This means that if the number and amount of claims increase each year, it is most likely the premium will increase accordingly or cover will need to be reduced. The only way to avert premiums increasing each year is to contain or reduce the number of claims you have. But effective management of risk, involving avoiding unwanted surprises, minimising losses and maximising opportunities goes much further than controlled insurance premiums. It is critical to the ongoing development of any organisation. These include: 1. Ensure that people who handle claims for your organisation understand that the claims paid have a direct result on the premium your club pays. 2. Ensure all claims are genuine and that they are not pre-existing or occurred at activities other than whilst representing your organisation. 3. Keep an eye out for members who are obtaining a high amount of medical rehabilitation treatment. This idea of trying to minimise injuries is not only for the benefit of your insurance premiums, but more importantly, to reduce a potential loss to your member. Effective risk management requires a structured program that provides a systematic approach to managing risk, ensuring that the highest quality of football is delivered via best practice management. It addresses physical, financial, legal and political risk in areas such as safety, compliance, finance, program operation and image and reputation. It is an ongoing process subject to continual monitor and review. Arthur J. Gallagher is committed to working with Football Federation Australia and its affiliates to assist them in delivering football using best practices and will provide risk management resources in this regard. From the insurance aspect this includes providing regular claims and injury reports with the aim of identifying injury intervention strategies. This data is useful to you, but there are many other ways that your organisation can aid in reducing losses and help prevent injury. The remainder of this page has been intentionally left blank Arthur J. Gallagher. Sport

25 Section 4 - Other Matters Certificates of Currency A Certificate of Currency is contained in the Appendix of this handbook and can be obtained by contacting Football Federation Australia or Arthur J. Gallagher. The Duty of Disclosure Before you enter into a contract of general insurance with an insurer, you have a duty under the Insurance Contracts Act 1984, to disclose to the insurer every matter that you know, or could reasonably be expected to know, is relevant to the insurer s decision whether to accept the risk of the insurance and, if so, on what terms. You have the same duty to disclose those matters to the insurer before you renew, extend or reinstate a contract of general insurance. Your duty, however, does not require disclosure of a matter: that diminishes the risk to be undertaken by the insurer; that is of common knowledge; that your insurer knows or, in the ordinary course of his business, ought to know; as to which compliance with your duty is waived by the insurer. Non-Disclosure If you fail to comply with your duty of disclosure, the insurer may be entitled to reduce his liability under the contract in respect of a claim or may cancel the contract. If your non-disclosure is fraudulent, the insurer may also have the option of avoiding the contract from its beginning. N.B The disclosure is especially important in matters relating to the physical risk, past claims, cancellations of insurance covers, the imposition of increased premiums etc. and any matters that might affect the acceptance of the risk (such as insolvency or criminal convictions). Your duty of disclosure must be taken seriously as it may affect your right to claim. Disclosure is not limited to matters applying to the insured named in the policy but includes other past businesses or private insurances. The Average Clause (under insurance) Many policies contain a Co-insurance (or average) provision whereby you may be required to bear a rateable proportion of the loss in the event that the sum insured is less than the value of the insured property at the commencement of the insurance. Sums insured should be such as to ensure you are not penalised by this provision. Hold Harmless Agreements You will prejudice your rights of a claim if, without prior agreement from your insurer, you make any agreement that may prevent the insurer from recovering the loss from a third party. These hold harmless clauses are often found in leases, in maintenance or supply contracts (e.g. from burglar alarm or fire protection installers), building or repair contracts and sales agreements. If you are in doubt consult us. This notification requirement applies to all Property insurances and also to Public Liability insurance. It has a special connotation in Products Liability where you must not without the insurer s agreement, indemnify or hold a supplier harmless. Insuring the Interest of Other Parties If you require the interest of any additional parties to be covered you MUST request this. Most policy conditions will exclude indemnity to other parties (e.g. mortgagees, lessors, principals etc.) unless their interest is properly noted on the policy. Utmost Good Faith Insurance contracts are subject to the doctrine of Utmost Good Faith and this is part of the Law. Both parties must strictly adhere to utmost Good Faith and if you fail to do so, you may prejudice any claim. Page 25

26 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Change of Risk or Circumstances It is our duty as Brokers to give you sound professional advice, but that advice can only be sound and valid if we are kept properly informed of changes and developments to your business or circumstances. It is imperative you advise us of location changes, of new business activities, radical departure from your normal form of business or change in products as such have a tremendous bearing on the adequacy of your insurance program. Your insurers have assessed and accepted your risks on the basis of information given - any variation of those details could lead to an uninsured loss if they are not disclosed. For example, an insurer may well accept an engineering risk but no longer give cover if a woodworking activity is entered into. In Liability insurance, underwriters must be informed if the nature of your business changes and, specifically in Products Liability, if your product range changes or you are involved in products not previously made known to underwriters. In Personal Accident insurance, a change in occupation could prejudice your cover. In order to ensure proper protection, please consult with us if you are in doubt as to whether an insurer should or should not be told of certain changes. We would rather give you the extra service by answering those queries, than allow you to take the risk of losing your proper protection under your insurance policies. Privacy statement Arthur J. Gallagher will protect your personal information. All companies within the Group are subject to the National Privacy Principles (NPP) as set out in the Privacy Act (1988) (Cth). The NPP governs the way we collect, use, disclose and secure information about you. The NPP also permits you access to the information we hold about you in order to correct or update it. Information may be held on behalf of Arthur J. Gallagher by organisations outside the Group in order to provide services to us (Arthur J. Gallagher). Why do we require your personal information? The personal information collected and maintained by Arthur J. Gallagher comprises your name, address, contact details and information specific to, and required for, the service or product that we provide to you. For some products and services we also collect and maintain sensitive information. This may include information about your health, membership of trade unions or professional associations and any criminal convictions you may have. The information collected allows us to: 1. Assess risks 2. Properly administer your claims or claims brought against you 3. Provide insurance, financial and investment advice 4. Arrange and place insurance cover 5. Source and facilitate finance 6. Initiate and maintain your and/or your employee s membership of superannuation funds Disclosure of your personal information to third parties Arthur J. Gallagher may seek the services of relevant third party suppliers (e.g. insurers, agents, loss adjusters, risk managers, investment managers, external administrators, mail-houses etc.) to carry out specialised activities. Some of these third parties are appointed by Arthur J. Gallagher to perform specific tasks on a case-by-case basis, others provide insurance and financial services to you as recommended by us. Where your personal information is provided to these third parties to enable them to perform their agreed activities, they are required to abide by the National Privacy Principles and use the personal information provided for the sole purpose of supplying their specific services. Arthur J. Gallagher. Sport

27 Contacting us about access and correction of your personal information Arthur J. Gallagher aims to ensure that your personal information is accurate, up to date and complete. Please contact your local Arthur J. Gallagher office if you: Would like to seek access to, or revise your personal information Believe that the information we currently have on record is either incorrect, incomplete or both Direct marketing and your privacy We regularly distribute to our clients general information and newsletters regarding Arthur J. Gallagher products and services. From time to time we may wish to supply you with specific information regarding some of our products and services, which we believe may be of interest to you. If you do not wish to receive this additional (directly marketed) information, please contact your local Arthur J. Gallagher office. Privacy Complaints Notice Regarding This Manual The following points should be borne in mind at all times: 1. This manual provides a summary of cover only and does not replace, take precedence or form part of the insurance contracts arranged by us on your behalf. The insurance contracts, which are held by Football Federation Australia, provide details of the insurance terms, conditions and exclusions. 2. This manual is not intended to be a complete or exact guide to terms, conditions, warranties and exclusions of your insurance contracts. These can only be determined by studying the policy documents. This manual is intended to give you a broad working knowledge of the covers in place. 3. This manual is not to be construed as legal evidence of insurance. 4. It is essential that you comply with all relevant laws, by-laws and regulations. You must take all due and reasonable precautions to prevent or mitigate losses, acting as though you were uninsured. Failure to do so may prejudice your rights and entitlements under your various insurance policies. Please do not hesitate to contact us should any assistance be required. If you believe that we have not protected your personal information as required under the NPP and you wish to make a formal complaint, you are able to contact our National Privacy Complaints Officer on You may also full details of your complaint to privacy@ ajg.com.au. Your complaint will be managed via Arthur J. Gallagher Internal Privacy Complaint Procedure. This Procedure assures you of a timely and accurate response to your complaint. Page 27

28 Sport Insurance Program Handbook 2015/16 Football Federation Australia Limited Arthur J. Gallagher - contacts Steve van Leeuwen National Manager Sport and Recreation P: M: E: steve.vanleeuwen@ajg.com.au Kim Thomson Account Manager Sport and Recreation P: M: E: kim.thomson@ajg.com.au Tim Roarty Account Manager Sport and Recreation P: M: E: tim.roarty@ajg.com.au All claims enquiries Peter Saunders Claims Manager - Northern Region P: E: peter.saunders@ajg.com.au Carol van Veen Senior Claims Executive P: E: carol.vanveen@ajg.com.au The remainder of this page has been intentionally left blank Arthur J. Gallagher. Sport

29 Arthur J. Gallagher national sports insurance hotline is 1800 SPORT 1 ( ) Calls to this number will be directed to the capital city office in the state/territory where the call originates: Adelaide Brisbane Canberra Darwin 168 Greenhill Road Level 2, 601 Coronation Drive Ground Floor, 10 Geils Court Level 2, 71 Smith Street Parkside, Adelaide, SA 5063 Toowong, Brisbane QLD 4066 Deakin ACT 2600 Darwin, NT 0801 P: P: P: P: F: F: F: F: Hobart Melbourne Perth Sydney 137 Harrington Street 289 Wellington Parade South Level 1, 21 Teddington Road Level 4, 2-12 Macquarie Street Hobart, TAS 7000 East Melbourne, VIC 3002 Burswood, WA 6100 Parramatta, NSW 2150 P: P: P: P: F: F: F: F: Arthur J. Gallagher national branch network Page 29

30 Sport Insurance solutions CAMS 2014/15 Insurance Program Handbook Section 5 - Appendices Arthur J. Gallagher. Sport

31 Appendix 5.2 Sports Injury Claim Form Sports Insurance solutions Football Federation Australia - Claim Form IMPORTANT: PLEASE READ BEFORE YOU COMPLETE THIS FORM 1. Corporate Services Network Pty Ltd (CSN) are authorised by your insurer, Arch Underwriting at Lloyd s (Australia) Pty Ltd, to handle your claim on its behalf and in accordance with its compliance obligations including its obligations under the relevant Privacy legislation. 2. This form consists of several sections. Please provide answers to all of the information required in order to avoid delays with your claim. 3. Note: This form can be completed electronically. If completing this form by hand: Please print. 4. The issue of this form is not an admission of liability. PLEASE ENSURE: You fully complete every question before your doctor completes his/her statement. Failure to do so will result in delay in handling your claim. You must answer ALL questions. If the answer to a question is No, please state No You have enclosed all requested information/documentation. You have signed this claim form. Your attending doctor fully completes the statement. ALL MEDICAL CERTIFICATES MUST STATE THE REASON FOR YOUR DISABLEMENT (e.g. medical condition cannot be accepted) CLAIM NOTIFICATION FORM NOTE, costs relating to obtaining professional opinion and/or medical reports are not considered part of the claim. Claimant to complete: Certificate/Policy No: Team: Players Full Name: Date of Birth: Full Address: Suburb: Mobile: Telephone Business Hours: Telephone Home: Claim details Postcode: Section 1: Section 2: Sections 3 & 4: Please complete if the Player has suffered an Accident/incident which may give rise to a claim Please complete if the Player is suffering/ has suffered from an injury incurring overseas medical expenses whilst participating in their code of sport which may give rise to a claim Please complete for all claims. NB: If there is not sufficient space, please attach answers on a separate sheet. Arthur J. Gallagher Page 31

32 Sports Insurance solutions Football Federation Australia - Claim Form Section 1 Details of Bodily Injury Treating Doctor to complete 1. The date and time of the Accident/incident: Date: Time: 2. What date did the Player first suffer Total Disablement? i.e. What date did the player first become unfit to participate /train in their field of sport? 3. Where did the Accident/incident occur? Location: 4. Did the Accident/incident occur? Whilst the player was: (please tick the applicable box) 5. Full Details of how the Accident/incident occurred: Playing in a competitive match Practicing or training Involved in other activities 6. Please provide a diagnosis of the injury sustained with specifics of the body part, and injury type: 7. Please provide a prognosis of the injury sustained: 8. When do you expect the player to be fit for selection? Date: 9. Has the Player ever suffered injury to, or had treatment for, or had any abnormality to, the injured body part? If so please provide full details: Arthur J. Gallagher Arthur J. Gallagher. Sport

33 Sports Insurance solutions Football Federation Australia - Claim Form 10. Has the player attended an Emergency Department for this Injury? If yes, please provide details and attach corresponding medical reports. NB: A Player is fit for selection on the date that he/she is physically able to be selected to play for his/her Club regardless of whether he/she is selected or whether there is a match due. TREATMENT PLAN Please indicate which of the following you have already used or those which you are intending to consider in respect of the injury detailed in Section 1 or the illness detailed in Section 2.If you answer yes to any of the sections below please confirm when you used the treatment or indicate when you intend to consider using the treatment. All dates, periods etc. should relate back to the date of injury or manifestation of the illness. Please also supply all reports and invoices to support these treatments. a) Rest b) Basic physiotherapy / rehabilitation c) MRI Scan d) CT Scan e) X-ray f) Ultra Sound Scan g) Consultant Appointment h) Exploratory surgery i) Restorative surgery Yes No Detail Please Note: If you are considering h) or i) above please ensure that you provide insurers with full details in writing of any proposed surgical treatment prior to surgery taking place. This information must include full details about: i) the proposed procedure, ii) the proposed surgeon, iii) where the surgery is scheduled to take place, iv) the total estimated costs In the event that the Player requires treatment outside Australia please provide full details of: i) the Player s injury, ii) intended treatment details, iii) approximate expected duration of time that will be spent abroad, iv) the total estimated costs, must be submitted in writing to insurers for approval prior to departure from Australia Arthur J. Gallagher Page 33

34 Sports Insurance solutions Football Federation Australia - Claim Form Failure to obtain Insurers approval in accordance with the above requirements may invalidate the claim. Supporting Medical Documentation Required to assess your claim: Please provide all investigation results and reports relating to the injury you are claiming for. This includes but is not limited to: - Medical Certificates confirming dates the player is unable to participate in their field of sport - MRI Scans - CT Scans - X-Rays - Ultrasound Scans - Physiotherapy Case Notes/Reports - General Practitioner case notes/reports - Specialist Referral reports - Post operation notes/reports Please note if you have had a history with the injury or injured body part you are claiming for we may request further information including but not limited to to pre-contract medicals, medical information/correspondence held by the players club and previous clubs and electronic copies of past scans (i.e MRI, CT, US scans) Supporting Documentation required to calculate your Claim amount payable: - A signed copy of the Player s current contract Arthur J. Gallagher Arthur J. Gallagher. Sport

35 Sports Insurance solutions Football Federation Australia - Claim Form Section 2 Overseas Medical Expenses Claimant to complete if relevant 1. The date and time of the Accident/incident: Date: Time: 2. Type of Injury? 3. Please provide full details of the accident: 4. Date of first medical consultation? 5. Name of Doctor and Hospital? 6. Details of other treatment by Doctors/Hospital 7. Dates in Hospital? Admitted: Discharged: 8. Have you ever suffered from the same or a similar condition in the past? Yes No If YES, please provide full details, including dates. 9. Are you a member of a Private Health Insurance Fund? e.g Medibank? Yes No If YES please name the fund. N.B If you are a member of a Private Health Fund you must claim from that fund before submitting this claim The following items must be included with this claim: 1. Original Doctor s/hospital accounts and receipts together with statements from Medicare and Private Health funds 2. Original Doctor s Certificate Failure to provide these items may result in delays in processing your claim. Arthur J. Gallagher Page 35

36 Sports Insurance solutions Football Federation Australia - Claim Form Section 3 - DECLARATION I confirm that the information given on this form and information provided by myself on pages attached to this form is, to the best of my knowledge and belief, true in every respect and that no details relevant to the case have been omitted. Team Doctor name (please print) Team Doctor signature Date: Payee s Bank details When the claim has been approved the payment will be credited direct to your Bank Account. Please complete the following: Bank: Account Name(s): BSB Number: Account Number: MEDICAL AUTHORITY AND DECLARATION CLAIMANT TO COMPLETE I understand that by investigating my claim or by accepting proof of my claim, CSN has made no acceptance of liability, nor waived any of its rights in defence of any claim arising under the policy. I agree to CSN using and disclosing my personal information pursuant to CSN s Privacy Policy and this document. In the event of any conflict between the documents, this document will be determinative. This consent remains valid unless I alter or revoke it by giving written notice to CSN s Privacy Officer. I authorise any person or entity, including those referred to above, to provide to CSN such personal information (including health information) as CSN in its absolute discretion considers relevant for its assessment of my claim or my entitlement to benefits. I will use my best endeavours and render all reasonable assistance and cooperation to CSN in the assessment of my claim. I confirm that any information that I supply will be true and correct and that I will not withhold any information likely to affect the acceptance or handling of my claim. I understand that if I do not consent to the terms of this authority or revoke my consent, CSN may not be able to process or assess my claim. I appoint CSN to do everything necessary or expedient to give effect to the transactions Your signature Name (printed) Date Arthur J. Gallagher Arthur J. Gallagher. Sport

37 Sports Insurance solutions Football Federation Australia - Claim Form PRIVACY STATEMENT CSN is committed to complying with the Privacy Amendment (Enhancing Privacy Protection) Act 2012 which amends the Privacy Act 1988 and has resulted in the introduction of the 13 Australian Privacy Principles (APPs). CSN will ensure that all personal information held is treated in accordance with the Act and the APPs. All personal information collected is used only for the assessment of a claim or the provision of an insurance related service. In order to affect this, your personal information may be disclosed to or requested from third parties such as an insurer, broker, medical practitioner, Medicare or other parties as required by law. Consequently, given the placement of this insurance it may be necessary to disclose your personal information to a third party in the UK. If so, we will take reasonable steps to ensure that the overseas recipient of your information will not breach the APPs. CSN will take all reasonable steps to ensure that personal information held by CSN is secure from any misuse, interference, loss, unauthorised access, modification or disclosure. CSN has a privacy enquiries and complaints handling procedure to deal with any enquiry or complaint you may have about how we have collected, used or managed your personal information. If you would like to make an enquiry or complaint, please complete the Privacy Complaint or Query form that is available on our website at and send to privacy@csnet.com.au Our complete Privacy Policy is located on the above website or can be obtained from us by contacting Both the Privacy Policy and Statement were last updated on 12 March CLAIM LODGEMENT DETAILS PLEASE FORWARD CLAIM DETAILS USING ONE OF THE FOLLOWING LODGEMENT PROCESSES Arthur J Gallagher Claims Personnel contact Carol van Veen Phone: sportingclaims@ajg.com.au Postal Address AJG Sport Claims GPO Box 1113 Brisbane QLD 4001 Arthur J. Gallagher Page 37

38 Appendix 5.3 Public Liability Certificate of Currency (FFA) Appendix 5.3 CERTIFICATE OF CURRENCY TO WHOM IT MAY CONCERN This is to certify that the details outlined below are current as at 29 June 2015 INSURED: a) Football Federation Australia Limited and all subsidiaries, including The Western Sydney A-League Club Pty Ltd and Football Federation Australia Foundation Limited b) Adelaide United Football Club Pty Ltd Brisbane Roar Football Club Pty Ltd Canberra United FC Pty Ltd Central Coast Mariners FC Pty Ltd Gold Coast United FC Pty Ltd Melbourne Heart FC Pty Ltd Melbourne Victory Ltd Melbourne Victory Community Foundation Incorporated Newcastle Jets Operations Pty Ltd Okewood Pty Ltd Sydney Football Club Pty Ltd Welnix LP Western Sydney Wanderers Local Organising Committee AFC Asian Cup Australia 2015 Ltd Local Organising Committee AFC Asian Cup 2015 Pty Ltd All to the extent that they are not more specifically insured. BUSINESS: PROFESSIONAL SERVICES: CONTRACT REFERENCE: TYPE OF INSURANCE: COVERAGE: PERIOD OF INSURANCE: LIMITS OF LIABILITY: Principally the peak body for the promotion, development and control of the game of football in Australia, event promoter, training and accreditation of officials and players, provision of medical and other health practitioners, enforcement of football statutes, regulations and laws of the game including through judicial and disciplinary committees, transportation and accommodation co-ordination services, seller of sporting merchandise, property owner and occupier, landlord tenant, venue hirer, social and fund raising activities, owner of a football club, and charitable foundation. Coaching, training and refereeing of football matches; Administration, management and organisation of football club and teams Team selection and management. Medical physiotherapy and similar services to Players and Officials and any other professional service incidental thereto 15-GPL General & Products Liability (including Professional Indemnity) As Per Contract Wording and/or Endorsements attaching to and forming part of the Certificate. 30/06/2015 to 30/06/2016 at 4:00PM Local Standard Time SECTION A PUBLIC LIABILITY $20,000,000 each and every claim or series of claims arising out of any one Occurrence SECTION B PRODUCT LIABILITY $20,000,000 each and every claim or series of claims arising out of any one Occurrence and in the aggregate during any one Period of Insurance Arch Underwriting at Lloyd s (Australia) Pty Ltd ABN AFSL Sydney: Level 10, 61 York Street, Sydney NSW 2000 P: F: Melbourne: 8th Floor, 22 William Street, Melbourne VIC 3000 P: F: W: archinsurance.com.au Underwriter Arthur J. Gallagher. Sport

39 SUB LIMITS OF LIABILITY: $10,000,000 for any one Claim and in the aggregate in respect to PROFESSIONAL LIABILITY excluding known claims and circumstances. Retroactive Date is 31/10/2004. $2,000,000 for any one Claim and in the aggregate in respect of SEXUAL ABUSE/ MOLESTATION excluding known claims and circumstances. Retroactive date is 30/06/2012. $500,000 each and every claim or series of claims arising out of any one Occurrence with respect to property in the Insured s CARE, CUSTODY OR CONTROL. SECURITY: 100% Lloyd's Underwriters All Certificates of Currency are issued on the basis that any Contract of Insurance referred to in a Certificate of Insurance can be legally cancelled at any time for non payment of premium Arch Underwriting at Lloyd s (Australia) 29 June 2015 Underwritten by certain Underwriters at Lloyd's Resource Underwriting Pacific Pty Ltd ABN AFS Licence No: Melbourne: 8th Floor, 22 William Street Melbourne VIC 3000 P (03) F (03) E inforuppl@ruppl.com.au Sydney: 5th Floor, Suite 504, 46 Market Street Sydney NSW 2000 P (02) F (02) E rupplsydney@ruppl.com.au Sydney Postal Address: PO Box Q195 Sydney NSW Page 39

40 Appendix 5.4 Public Liability Certificate of Currency (A-League Club) CERTIFICATE OF CURRENCY TO WHOM IT MAY CONCERN This is to certify that the details outlined below are current as at 29 June 2015 INSURED: a) Hyundai A-League Football Clubs being Adelaide United FC operated by Adelaide United Football Club Pty Ltd (ABN ) Brisbane Roar FC operated by Brisbane Roar Football Club Pty Ltd (ABN ) Central Coast Mariners FC operated by Central Coast Mariners FC Pty Ltd (ABN ) Melbourne City FC operated by Melbourne City FC Pty Ltd (ABN ) Melbourne Victory FC operated by Melbourne Victory Ltd (ABN ) Melbourne Victory Community Foundation Incorporated (ABN ) Newcastle Jets FC operated by Newcastle Jets Football Operations Pty Ltd (ABN ) Newcastle Jets FC operated by A-League Club Operations Pty Ltd (ABN ) Perth Glory FC operated by Okewood Pty Ltd (ABN ) Sydney FC operated by Sydney Football Club Pty Ltd (ABN ) Wellington Phoenix FC operated by Welnix LP (NZ Company No ) Western Sydney Wanderers FC operated by Western Sydney Wanderers FC Pty Ltd (ABN ) All to the extent that they are not more specifically insured. b) All members, players, coaches, officials, first aid personnel, administrators and voluntary workers of those bodies as defined whilst undertaking activities in such capacity to the extent that they are not more specifically insured. BUSINESS: Principally promotion, administration, organisers and participators in the sport of football and all activities incidental thereto including property owners/occupiers and any other incidental occupation. Business includes all activities outside of scope of protection provided under the Football Federation Australia/A-League game day liability policy including but not limited to: Engaging and participating in football training at all venues; Football coaching clinics conducted by club development staff; Corporate and promotional functions/activities the club hold; Manage, organise and promote one or more football teams; Employ coaching staff, masseuses, physios; Employ management, sponsorship, finance, community and promotional services; Enter into venue hire agreements for the purposes of training and matches; Co-ordinate travel and accommodation for teams which to travel to play matches and for promotional events. PROFESSIONAL SERVICES: Coaching, training and refereeing of football matches; Administration, management and organisation of football club and teams Team selection and management Medical physiotherapy and similar services to Players and Officials and any other occupation incidental thereto Arch Underwriting at Lloyd s (Australia) Pty Ltd ABN AFSL Sydney: Level 10, 61 York Street, Sydney NSW 2000 P: F: Melbourne: 8th Floor, 22 William Street, Melbourne VIC 3000 P: F: W: archinsurance.com.au Underwriter Arthur J. Gallagher. Sport

41 CONTRACT REFERENCE: TYPE OF INSURANCE: COVERAGE: PERIOD OF INSURANCE: LIMITS OF LIABILITY: 15GPL General & Products Liability (including Professional Indemnity) As Per Contract Wording and/or Endorsements attaching to and forming part of the Certificate. 30/06/2015 to 30/06/2016 at 4:00PM Local Standard Time SECTION A PUBLIC LIABILITY $20,000,000 each and every claim or series of claims arising out of any one Occurrence SECTION B PRODUCT LIABILITY $20,000,000 each and every claim or series of claims arising out of any one Occurrence and in the aggregate during any one Period of Insurance SUB LIMITS OF LIABILITY: $10,000,000 for any one Claim and in the aggregate in respect to PROFESSIONAL LIABILITY excluding known claims and circumstances. Retroactive Date is 30/06/2015. $2,000,000 for any one Claim and in the aggregate in respect of SEXUAL ABUSE/ MOLESTATION excluding known claims and circumstances. Retroactive date is 30/06/2012. $250,000 each and every claim or series of claims arising out of any one Occurrence with respect to property in the Insured s CARE, CUSTODY OR CONTROL. SECURITY: NOTED BENEFICIARIES: 100% Lloyd's Underwriters Football Federation Australia Limited for their respective rights and interests All Certificates of Currency are issued on the basis that any Contract of Insurance referred to in a Certificate of Insurance can be legally cancelled at any time for non payment of premium Arch Underwriting at Lloyd s (Australia) 29 June 2015 Underwritten by certain Underwriters at Lloyd's Resource Underwriting Pacific Pty Ltd ABN AFS Licence No: Melbourne: 8th Floor, 22 William Street Melbourne VIC 3000 P (03) F (03) E inforuppl@ruppl.com.au Sydney: 5th Floor, Suite 504, 46 Market Street Sydney NSW 2000 P (02) F (02) E rupplsydney@ruppl.com.au Sydney Postal Address: PO Box Q195 Sydney NSW Page 41

42 Appendix 5.5 Arthur J. Gallagher Financial Services Guide Financial Services Guide Issued 25 May 2015 This Joint Financial Services Guide (FSG) is issued by: Arthur J. Gallagher & Co (Aus) Limited (AJGCo) ABN , AFSL No Wellington Parade South East Melbourne VIC 3002 and Arthur J. Gallagher (Aus) Pty Ltd (AJGPL) ABN , AFSL No Miller Street North Sydney NSW 2059 and Arthur J. Gallagher (2) Pty Ltd (AJG2) ABN , AFSL No Mary Street Brisbane Qld 4000 Website: In this document the words we, our and us are used to refer to AJGCo, AJGPL and AJG2. You and your refer to you as our client or the insured person. This FSG contains important information to help you decide whether to use the services we offer. It includes details about: Who we are Our services How we provide our services to you Your duty of disclosure and when we rely on you Our remuneration, including how we and our representatives are paid Your rights as our client, including privacy and how we handle any complaints you may have Our professional indemnity insurance arrangements The information in this FSG is current at the date of issue and is general information only. It does not take into account your individual objectives, needs or financial situation. This is an important document You should read this FSG in its entirety. By engaging, or continuing to engage us you are, in the absence of any formal written agreement with us, agreeing to the delivery of our services and remuneration as described in this FSG. If this document was provided to you by one of our Authorised Representatives, this document is only part of the FSG and should be read with the relevant Authorised Representative Schedule. Together, these documents make up the FSG. Please retain this document for your future reference. It may apply to other services we provide to you in the future. Statements of Advice and Product Disclosure Statements If we provide you with personal advice we will, where required, give you a Product Disclosure Statement (PDS) and we may also give you a Statement of Advice (SOA). If we provide you with further personal advice, you may, within a reasonable time of receiving the advice, request a written Record of Advice (ROA) by contacting the person that gave you the advice. You should read these important documents before acting on any advice we have given you. If you have provided us with your address, you are confirming that we may send these documents to you electronically. You can opt out of this at any time by contacting your broker. A PDS is produced by the insurer and is designed to contain information that will help you decide whether or not to purchase a product, including information about its features and its terms and conditions. An SOA or ROA will explain our advice, including the basis for our advice and the information we have relied on. An SOA also includes other information, including further details about how we are paid and any relevant relationships or associations we may have which may have influenced the advice we have given. Changes to this FSG Information in this document may change from time to time. We may make such changes by amending the FSG and publishing an updated version on our website. You may also obtain a printed copy of the updated information by calling your broker, your nearest branch or our Toll Free Client Inquiry Line, Who we are About the Arthur J. Gallagher Group AJGCo, AJGPL and AJG2 are part of a group of Australian and international companies owned by Arthur J. Gallagher & Co (Arthur J. Gallagher Group). The Arthur J. Gallagher Group is one of the world s leading providers or insurance broking and risk management services. The parent company, Arthur J. Gallagher & Co., was founded in the United States in 1927 and is listed on the New York Stock Exchange. In Australia, the Arthur J. Gallagher Group includes: AJGCo, AJGPL and AJG2, general insurance brokers. Arthur J. Gallagher (Life Solutions) Limited ABN , AFSL (AJGLS), a wholly owned subsidiary of AJGCo that provides life insurance and financial advisory services. Elantis Premium Funding Limited trading as Monument Premium Funding ABN (MPF), which provides premium funding and other credit services. Pen Underwriting Pty Ltd ABN , AFSL and Pen Underwriting Group Pty Ltd ABN , AFSL (Pen), Australian underwriting agencies providing access to both the Lloyd s market and local insurers. The Arthur J. Gallagher Group also includes other licensed general insurance brokers in Australia. For further information about our related entities please visit arthur-j-gallagher-co. Ref 05/15 Arthur J. Gallagher. Sport

43 Call us toll free on Visit our website ajg.com.au About Us Together, we have an extensive national broking network in metropolitan and regional Australian locations providing broking solutions to a wide range of clients from small to medium enterprises through to large multinational corporations, as well as affinity partners and associations. We aim to deliver on our aspiration to position you to financially survive any insurable event through: maintaining local relationships with our clients, leveraging our national and trans-tasman influence with insurance companies to negotiate better deals and more coverage options, providing you with 24/7 support and the experience of our dedicated national claims team, and making the most of our global capability of industry-specific experts and offshore markets for your benefit. We are each members of the National Insurance Brokers Association (NIBA) and subscribe to the General Insurance Brokers Code of Practice. A copy of the code can be obtained from the NIBA website: Important relationships and conflicts of interest In some cases we may refer you to, or advise you to use, the services of other companies in the Arthur J. Gallagher Group both in Australia and overseas. We maintain our independence in the market place by ensuring all negotiations with other companies in the Arthur J. Gallagher Group are carried out as if with an unrelated third party. We have a preferred panel of insurers with which we place business and we work closely with these insurers to ensure our clients receive high quality product benefits, competitive pricing and appropriate service levels. Where there are potential conflicts of interest in our remuneration arrangements or in our dealings with related parties, they are managed in accordance with our conflicts of interest policy which all staff and representatives must comply with. Our services AJGCo, AJGPL and AJG2 each hold an Australian Financial Services Licence which authorises the Licensee to deal in (including to issue and arrange for others to deal in), and provide personal and general advice concerning, general insurance products. We are committed to providing sound advice based on our market knowledge. We can agree with you to: investigate and analyse your insurance needs, provide information or advice about insurance solutions that may be appropriate for you, arrange, vary and renew your insurance policies, help you deal with your insurer in the event of a claim, and provide other risk management services. How we provide our services to you Our relationship with you The services provided to you will be provided by one or more of AJGCo, AJGPL or AJG2. At the time of providing services to you we will let you know which broking entity you are dealing with and the Australian Financial Services Licence they are operating under. We are general insurance brokers. This means we normally act as your agent when dealing with insurers. In some circumstances we will act as an agent of the insurer. When this occurs we will clearly notify you that we are not acting as your agent. When we act as an agent of the insurer we may act under a binder agreement which may allow us to offer, vary or cancel policies and manage claims as if we were the insurer. When we act under a binder we cannot provide you with independent advice about the appropriate insurance cover for your needs - you must make your own decision about what cover is appropriate for you. When you do business with us, you will usually deal with our employees, however you may also deal with our Authorised Representatives. When you deal with an Authorised Representative, they will provide you with information about their business and their relationship with us. Each of our Authorised Representatives is authorised by us to issue this FSG on our behalf. Our advice When we provide you with services we may provide you with general advice or personal advice. If we provide you with general advice we will give a general recommendation or opinion about a product which is not based on a detailed consideration of your individual needs, objectives or financial situation. In this case you should read the relevant PDS and policy wording in full and consider whether the insurance product in question is appropriate for your circumstances. We will agree with you if we are providing you with personal advice and will explain what it covers. If we provide you with personal advice, we will review and consider your individual circumstances before providing our advice. We may also be required to provide you with a PDS and/or and SOA. You should read these documents carefully before acting on our advice. If we provide you with personal advice over the telephone and we do not provide you with an SOA, you may request an ROA by calling your broker, your nearest branch or our Toll Free Client Inquiry Line, Please note that we cannot guarantee the availability of cover for your particular risks. Our relationship with insurers We work closely with a range of insurers and underwriting agencies to arrange high quality benefits, competitive pricing and superior service levels for our clients. Wherever possible we will recommend that clients deal with insurers that are authorised under the Insurance Act 1973 (Cth) to carry on insurance business in Australia and are subject to oversight by the Australian Prudential Regulation Authority. We will warn you when we recommend an unauthorised foreign insurer. Please note that we do not guarantee the solvency of any insurer. How we can receive your instructions In order for us to act on your behalf you must provide us with instructions and other information about the services you require. You can give us instructions using the contact details in this FSG or in the relevant Authorised Representative Schedule. In some circumstances it may be necessary for you to give us instructions in writing. We will tell you when this is the case. Your Duty of Disclosure and when we rely on you We rely on you It is important you understand that we will rely on the accuracy and completeness of the information you provide to us. We do not independently verify the information you provide before sending it to the insurer. Keeping your information up to date Once your insurance cover has commenced, you should tell your broker about any changes to your circumstances when they occur. This will allow us to ensure your cover remains appropriate. Your duty of disclosure Before you enter into an insurance contract with an insurer, you have a duty under the Insurance Contracts Act 1984 to tell the insurer all information that is known to you or a reasonable person could be expected to know, is relevant to the insurer s decision to insure you and on what terms, having regard to the nature and extent of the insurance cover to be provided and the class of people who ordinarily apply for it. Ref 05/15 Page 2 Page 43

44 Call us toll free on Visit our website ajg.com.au Your duty of disclosure (continued) You have this duty until the insurer issues the insurance policy. If you are applying for insurance in relation to your motor vehicle, home building and/or contents, residential strata, travel, personal accident or sickness and consumer credit products you must answer the specific questions on the application form truthfully and accurately. You must tell the insurer all information that s known to you and that a reasonable person would be expected to provide in answer to the questions. Non-disclosure If you fail to comply with your Duty of Disclosure, the insurer may cancel your contract or reduce the amount it will pay you if you make a claim, or both. If your failure to comply with the Duty of Disclosure is fraudulent, the insurer may refuse to pay a claim and treat the contract as if it never existed. People you represent You must make sure you explain the Duty of Disclosure to any person you represent when we arrange any insurance cover for you. Alternatively, you may ask any person you represent to contact us and we will explain their Duty of Disclosure to them directly. Contact your broker If you are unclear about your Duty of Disclosure or require more information about how to comply with your Duty of Disclosure, please refer to the information provided by the relevant insurer in relation to your Duty of Disclosure in the relevant PDS or policy wording. Alternatively, you can call your broker, your nearest branch or our Toll Free Client Inquiry Line, Our remuneration, including how we and our representatives are paid Commissions and professional fees Typically, we will charge you a professional broking fee and/or obtain a commission from the insurer based on the service we provide. Our professional fees will vary depending on the level of service we provide and whether we also receive a commission. The amount of commission varies depending on the market and the risk, but is generally calculated at a rate that is between 5% and 30% of the insurer s base premium (i.e. excluding government charges, taxes, fees or levies). Often an insurer will agree to pay us by allowing us to deduct the value of the commission from the premium paid by you before we pass the balance of the premium on to the insurer. We may also charge separate service fees to cover any related administration and processing costs. Our service fees vary depending on the costs associated with providing the services you require. Where applicable, our professional fees and service fees will be detailed on your invoice, and provided to you at the time you receive advice or as soon as practical after that time. Our remuneration is payable on the terms of our invoice and is considered fully earned at the time that we issue the invoice. If your insurance contract is cancelled or varied before the expiry of the period of insurance, you will be paid any refunded premium received from the insurer. We will retain all our commission, fees and other remuneration in full in the event of any early cancellation or variation of your insurance contract or downward adjustment of premium. We may charge an additional fee for processing your request to cancel or vary your insurance contract and you agree that this fee may be offset against any premium refund you are entitled to. How we remunerate our employees Our remuneration arrangements provide incentives to our brokers to ensure our clients receive practical and effective advice and service. Our employees receive a salary and may also receive a performance bonus based on both the value and quality of the work they do for our clients. In limited circumstances, some employees may also receive additional payments related to clients they have referred to a third party. From time to time, our employees may also be invited to an annual conference, receive sponsorship for conferences, functions, meals or other non-monetary benefits from external parties such as insurers, underwriting agencies or reinsurers. You do not bear the cost of sending our employees to these events and such relationships are managed under our conflicts of interest policy. How we remunerate our Authorised Representatives If your broker is an Authorised Representative, he or she is generally paid a retainer fee that may also be supplemented by an additional payment based on performance. Any additional payment will be calculated on the level of the retainer and will be between 5% and 50% of the commission we receive in respect of business originated by the Authorised Representative. Alternatively, the Authorised Representative may be paid a flat recurring fee. If an Authorised Representative provides you with personal advice, he or she will give you documents explaining how they are remunerated at the time the advice is provided or as soon as practical after that time. Remuneration arrangements within the Arthur J. Gallagher Group If your broker recommends a product or service of a company in the Arthur J. Gallagher Group or refers you to another company within the Gallagher Group, we may receive benefits as a result of the referral or the business you subsequently do with that company. The benefits include: If we refer you to AJGLS, we may receive a share of any commission generated by the referral and a share of AJGLS s overall profits. Please see the AJGLS Financial Services Guide for further details. A copy is available on our website by accessing the link to Arthur J. Gallagher (Life Solutions). If we refer you to MPF, we may receive a commission of up to a maximum of 5% of any funding provided by MPF. We may also be entitled to a bonus paid as a percentage of the premiums funded and a share of MPF s profit. If we recommend a product offered by Pen or any other company within the Arthur J. Gallagher Group, the company may pay us an annual bonus based on premium growth and/or a payment based on the profitability of the products we recommend to you. These payments will be in addition to any commissions the company may pay us and any service or other fees we may charge you. Remuneration from other relationships We sometimes enter into specific arrangements with a limited number of insurers where we receive fees or other remuneration for the development of insurance solutions or the growth of various insurance portfolios. The remuneration we receive from these arrangements is variable and is determined by the profitability of the recommended insurance products. We will only recommend these products where they meet your needs and are in your best interests. We may also earn remuneration where we act as an agent for an insurer under a binder authority. The remuneration we receive from these arrangements is generally a mixture of a flat processing fee and variable performance fees and commissions. The performance fees and commissions are determined by the nature of the arrangement and, in the case of the performance fees, may be influenced by the profitability of the relevant portfolio. Some insurers give other benefits such as sponsorship of annual conferences, training and invitations to social business functions. These benefits may change from year to year. Occasionally, your broker may also receive small gifts and gratuities. It is our policy that gifts or gratuities may be accepted only if they are of an incidental nature. Referral fees paid to third parties If you were referred to us by a third party, we may pay the referrer a referral fee. This fee is calculated as a percentage of the commission earned from the referral and can be up to 50% of the commissions we receive. This is a separate payment that we make to the referrer and does not increase the amount you pay for your insurance cover. Ref 05/15 Page 3 Arthur J. Gallagher. Sport

45 Call us toll free on Visit our website ajg.com.au How detailed information about remuneration will be provided to you If your broker provides you with personal advice, they will give you documents explaining what fees, commissions, benefits, bonuses, payments to third parties or other remuneration will be paid or received in relation to their advice, if you accept it. This information will be provided at the time the advice is provided or as soon as practical after that time. Invoices We will invoice you for the premium (which may include our commission), relevant statutory charges (including GST) and any fee we charge you for arranging your insurance cover. You must pay us by the due date shown on the invoice. Once you have paid an invoice, we hold the premium you pay on trust for you until we pass it on to the insurer. If there is any delay between you paying an invoice and us passing your premium on to the insurer, we may retain any interest earned on the premium during that period. Where a premium remains unpaid, an insurer may have the right to cancel the policy and you may not be insured. The insurer may also charge a premium for the time on risk. If the premium remains unpaid, your broker may contact the insurer and the insurer may cancel your policy. Billing Check your invoice for payment options. Please note that a surcharge may be applied to payments made by credit card, and that surcharge may change from time to time. Your broker may be able to arrange for you to pay your premium in instalments. Instalment billing is not always available and there is usually a charge for this service. To discuss this option please contact your broker for details. Questions about invoices, fees, commissions and other remuneration If you have any questions, or if you want more information about how we or our Authorised Representatives are paid, please ask your broker or call your local branch. Your rights as our client, including privacy and your complaints and dispute resolution procedures Privacy We are committed to protecting your personal, including sensitive, information (together referred to as Personal Information). When we collect, hold, use, disclose, or otherwise handle your Personal Information we must comply with the Privacy Act 1988 (Cth), which includes the Australian Privacy Principles. We collect, hold, use or handle your Personal Information to perform our functions of providing, managing and administering the insurance broking and risk management services outlined in this FSG. Occasionally we may provide your Personal Information to overseas recipients to facilitate the services outlined in this FSG. Prior to disclosing your information to overseas recipients, we will, where required by law, take steps to ensure that the recipient does not breach the Australian Privacy Principles. For detailed information about how we handle your Personal Information, please see our Privacy Statement which is available on our website or by calling your local branch. Our Privacy Statement also contains information about how you may access, update and correct the Personal Information you have provided to us. If you do not supply the Personal Information we request, we may not be able to provide our services to you. For example, we may not be able to arrange insurance cover or manage your claim. From time to time and where we are permitted by law to do so, we may also use or disclose your Personal Information for the purpose of marketing our services, or the products and services of related entities and third parties, to you. Please tell us if you do not want us to use or disclose your Personal Information for marketing purposes. To nominate preferred days and times for receiving marketing calls or to opt-out of receiving marketing information altogether, please us at privacy@ajg.com.au or telephone your broker, your nearest branch or our Toll Free Client Inquiry Line, Complaints and disputes If you are concerned about our service, the service provided by our Authorised Representative, any product we have arranged or how we have handled your Personal Information, please contact your broker or our Authorised Representative, or the branch manager of your local branch. If, within 14 days, your broker or our Authorised Representative or the relevant branch manager is unable to resolve your complaint to your satisfaction, you may ask that the matter be referred to the Arthur J. Gallagher Group Risk & Compliance Team. The Arthur J. Gallagher Group Risk & Compliance Team can be contacted directly on: or by ing: privacy@ajg.com.au (for privacy related complaints) or complaints@ajg.com.au (for other complaints). If your complaint is referred to the Risk & Compliance Team, we will acknowledge receipt of your complaint in writing within three business days. We will then investigate the matter and attempt to resolve your complaint in accordance with our disputes and complaints management policy. If you are not satisfied with the response of the Risk & Compliance Team to your complaint about services and products, you may refer your complaint to the Financial Ombudsman Service (FOS). FOS is an independent external dispute resolution body approved by the Australia Securities and Investment Commission. FOS resolves disputes at no charge to you and has the authority to deal with certain financial services disputes within its Terms of Reference. FOS can be contacted at: Financial Ombudsman Service GPO Box 3, Melbourne VIC 3001 Tel: Website: info@fos.org.au If you are not satisfied with the response of the Risk & Compliance Team to your privacy complaint, you may refer your complaint to the Office of the Australian Information Commissioner: For further information about how we handle complaints or disputes please contact your broker, our Authorised Representative or visit our website. Professional indemnity insurance cover We maintain appropriate professional indemnity insurance (PI Insurance) in accordance with the law. Our PI Insurance extends to claims in relation to negligent advice provided by current and former employees and former Authorised Representatives. It is important to understand that our PI Insurance is subject to the terms and conditions of the relevant PI Insurance policies. Thank you for taking the time to read and understand this important document. This guide helps form the basis of what we hope will be a long and satisfying relationship. We look forward to providing you with exceptional service both now and in the future. The remainder of this page has been intentionally left blank. Ref 05/15 Page 4 Page 45

46 Direct to your nearest branch 1800 SPORT 5 Arthur J. Gallagher & Co (Aus) Limited. ABN AFSL Ref July 2015