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Insurance
Covered by Marsh
Perth Football League insurances are with Marsh under a ‘whole of football’ policy with WA Football.
For full details or to make a claim, click the button below.
National Risk Protection Program
The National Risk Protection Program covers clubs and participants through a mix of protection products, including public liability, club management liability, asset protection and personal injury support. Some protections are provided via group insurance policies issued to the AFL, while others are delivered through discretionary trust arrangements managed by JLT/Marsh. Coverage varies depending on your club and competition.
Community Participants | What is Covered
The default level of cover for affiliated members (excluding Masters) is Bronze. Upgrades to Silver, Gold or Platinum may apply. Please contact your club or Marsh to confirm whether your level of cover has been upgraded.
Your one-stop shop for all things Australian Football National Risk Protection Program — check out the PDF for full details.
Frequently Asked Questions
What other insurance should I consider as an active player?
It is strongly recommended that all players investigate their personal insurance needs. Players should consider the benefits of:
- Personal income insurance
- Personal injury insurance
- Private health insurance
- Total and Permanent Disability (TPD) insurance
- Life insurance
Different between personal income insurance and personal injury insurance?
Personal income insurance (Income Protection) replaces a portion of your usual wages if you cannot work due to any injury or illness. Personal injury insurance (Personal Accident) only covers you for sudden, accidental bodily harm and often pays out fixed, sometimes lump-sum amounts rather than regular ongoing income.
If you need more information about the Personal Injury cover, please contact JLT Risk Solutions Pty Ltd.
What protection is covered?
The type of protection covered under Personal Injury cover may include:
- Capital Benefits – provides cover in the event of death or permanent disability.
- Non-Medicare Medical Benefits – provides reimbursement for items that are not claimable in any way through Medicare. Due to legislation, this does not include the Medicare Gap.
- Loss of Income cover – (where included) provides reimbursement of a claimant’s weekly income.
What is the difference between Medicare & Personal Injury Cover?
When it comes to reimbursement of personal injury claims, some people get confused about Medicare and what is covered through the National Risk Protection Program.
Medicare is a Commonwealth Government program that provides eligible Australian residents with free or low-cost medical and hospital care.
The Personal Injury cover does include some non-Medicare medical expenses such as physiotherapy, chiropractic, dental, ambulance transport and private hospital accomodation.
Personal Injury cover under the National Risk Protection Program is not private health insurance or life insurance.
This means that any charges for treatment from a doctor, surgeon, anaesthetist or surgeon’s assistant are not covered. It also means charges for x-ray, some MRI scans (if Medicare registered) and public hospitals are not covered under the National Risk Protection Program.
Who can upgrade their cover?
Any club/league/association can choose to upgrade one or all components of the Personal Injury cover. Most upgrade options are available on a per team basis with the exception of Loss of Income cover, which can be purchased by individual members.
Complete the Match Day Checklist
A pre-match checklist system that helps club officials spot safety risks, take action and improve overall risk management, with an easy-to-use electronic format and supporting guidelines.
Summary of Perth Football League Insurances
Please note that there is an excess for all claims
Club Management Liability Cover
This cover extends only to all incorporated Australian Football Clubs and Associations/Leagues of each State and Territory. Other created entities, being Sports Clubs with several different sports/recreation activities, will not be covered for claims under the Management Liability (Forefront) policy. Please advise the Perth Football League if your club is part of a ‘Sport Club’ so the Club Management Liability premium may be deducted from the club’s affiliation fees.
Loss of Income Cover
No Loss of Income cover is provided by the Perth Football League’s insurance.
Personal Injury
Clubs wishing to upgrade from Bronze may do so at their own discretion and directly with Marsh. Marsh Personal Injury Cover is not private health cover, is not Workers’ compensation cover and will not provide a full rebate on injury management.
The Perth Football League encourages all players to have private health cover.
Quad/Para Cover
Marsh cover clubs for capital benefits up to $1,000,000.
Asset Protection
Clubs should review is contents replacement costs to ensure appropriate cover and that the cover is not being duplicated in another policy the club may have separately or through a Sports Club, Junior/Senior Club or local council arrangement
AFL Enquiry Form
Get in touch with Marsh by submitting a contact form for additional cover options, claims, certificates of currency, or general enquiries.