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Club Management Liability – Important Information
Incorporation
Any cost set by your State Association includes payment towards the total cost of Club Management Liability, however only clubs who are incorporated can gain coverage under this policy.
Therefore, a benefit of incorporating your club will be the availability of this cover at no extra cost.
Three Major Coverage Sections within this Policy
There are three major coverage sections to this policy:
- Directors and Officers Liability;
- Employment Practices Liability; and
- Employee Theft.
Limit of Liability for all coverage sections
The Combined Maximum Aggregate Limit of Liability for all Coverage Sections is $5,000,000.
Advice on “Claims Made” Sections of this Policy
The Directors and Officers and Employment Practices Liability Coverage Sections are written on a Claims Made Basis. This means that these sections provide (subject to the policy’s terms and conditions) cover for claims which are first made against you and notified in writing to the insurer during the period of cover.
The cover excludes:
- Acts or omissions giving rise to a claim, which occurred prior to any retroactive date (pending and prior litigation dates) stated in this policy;
- Claims or circumstances known to you or notified to an insurer prior to inception of this policy;
- Circumstances notified after expiry of this policy; or
- Claims notified after expiry of this policy.
We strongly recommend that you implement a program to ensure that all claims are identified and notified immediately and within the policy period to avoid difficulties.
Where you become aware of facts or circumstances that might give rise to a claim, you should forward to us a notice in writing outlining those facts or circumstances as soon as practicable and before expiry of the policy period. We will forward the notice to the Insurers on your behalf. Delay in notifying the insurer or failure to provide all relevant facts could result in the claim being denied.