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AUSTRALIAN LITTLE ATHLETICS HOMEPAGE

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AUSTRALIAN LITTLE ATHLETICS HOMEPAGE Powered By Docstoc
					We have set out the information to be included on the Australian Little Athletics
website below. You will note that the format is similar to that used for the
Athletics Australia site.

The text in purple refers only to instructions and is not to be included as text on
the site

The text in red is either a heading or a link

The text in blue is main body text




Australian Little Athletics Insurance Program

Willis Australia Limited has designed a National Insurance Program specifically tailored to
meet the needs of Australian Little Athletics.

The National Insurance Program includes the following insurance options, which have been
exclusively designed to provide protection for members at all levels:

          Personal Accident
          Public Liability
          Professional Indemnity

The information enclosed in our site is only a summary of the cover provided. The policies
with full conditions are available by contacting Australian Little Athletics.
Certificate Of Currency

Please use the same format and text as Athletics Australia.

Under the main heading option 2, please adjust the text “Club” to “Club /
Centre”.

Attachments
   -  A list of centres in each State will be forwarded to you shortly (you will
      note that there are no centres in the Northern Territory).

   -   Please note the State Associations are to be named as follows;
       ACT Little Athletics Association
       Little Athletics Association of New South Wales
       Queensland Little Athletics Association
       South Australian Little Athletics Association
       Tasmanian Little Athletics Association
       Victorian Little Athletics Association
       Western Australian Little Athletics

   -   Please find attached the template Certificate of Currency to be used.
Contact Us

Willis Australia Limited
Level 8, 2 Market Street
SYDNEY NSW 2000
Phone (02) 9285 4111
or
local call cost only 1300 WILLIS ( i.e 1300 945 547)
Fax (02) 9283 5276
Email: sports.au@willis.com

Service Team
Rob Veale
National Sports & Leisure Manager
Email: vealer@willis.com

Phil Scorer
Account Manager
Email: scorerp@willis.com

Sarah Whitehall
Account ManagerExecutive
Email: whitehalls@willis.com
Frequently Asked Questions

Please find below a list of common insurance enquiries. The questions have been sorted
under the following 3 headings:

       1. General
       2. Public and Products Liability/Professional Indemnity
       3. Personal Accident

* As with the Athletics Australia site, please ensure the above three points are
links, which direct you to the relevant section of the FAQ document.
If your enquiry is not listed below, please contact Willis Sport and Leisure on (02) 9285
4111 or local call cost only 1300 WILLIS ( i.e. 1300 945 547).

Click on the question below to find your answer

    1. General

What is the period of Cover for the National Program?
30th September 200731st August 2009 at 4pm Local Standard Time to 31st August                    Formatted: Superscript
201008 at 4pm Local Standard Time.

What insurance products are insured under the National Program?
Public and Products Liability; Professional Indemnity; Personal Accident (Sports Injury);
Association Liability insurance for affiliated State Associations and centres/clubs; Corporate
Travel for approved athletes, managers and officials; Industrial Special Risks insurance for
listed premises; Machinery Breakdown and Electronic Equipment cover and Property and
Equipment cover for all State Associations and clubs.

Who is insured under the National Program?
Australian Little Athletics and all affiliated bodies including all members, temporary /
trialing members State & Territory Branches, Zones, Centres, Clubs, officials, accredited
coaches, referees, executives and voluntary workers.

How do I join the National Program?
Coverage is provided automatically as part of your Australian Little Athletics club
membership. For membership enquires please contact your Little Athletics State
Association. * please make the words in bold a link which goes to the tab titled
State Association Links

Is the Building or Property Insurance (i.e fire and theft) provided under the
National program?
Yes, a club's/centre’s premises and its contents are covered under this Program for any
material damage or theft for up to $75,000. If you would like a quotation for a higher level
of cover, please contact Willis Australia on 1300 945 547 or send an email to
sports.au@willis.com (please make this a link to the email address) Property
owned by the State Associations are insured if listed on the schedule provided to Australian
Little Athletics.
What measures can State Associations/Clubs or Centres take in order to
minimize risks and reduce potential claims?

       a.   Ensure that all participants are registered members of an Australian Little
            Athletics club prior to commencing their activities.
       b.   Actively encourage coaches to undertake accreditation courses.
       c.   Keep an injury register/record of all injuries sustained in any Little Athletics
            related activity.
       d.   Ensure that you are incorporated (and maintain your incorporated status) and
            your bylaws are current and up to date (including the provision of appropriate
            Discipline and Grievance clauses and Procedures).

What do I do if I have a complaint about the National Program?

Please address any complaints regarding the Australian Little Athletics Insurance Program
to Willis Sport and Leisure via email to sports.au@willis.com (please make this a link
to the email address) or mail to PO Box Q216, QVB Post Shop 1230.

Who is Willis?

Willis is the licensed insurance broker who has arranged this insurance program on behalf
of Australian Little Athletics and its members. They act of behalf of Australian Little
Athletics and not any insurer. Willis is one of the world's largest insurance brokers. They
have operated in Australia for almost 50 years, with offices in all States and the Australian
Capital Territory. More information on Willis can be obtained by visiting
www.willis.com.au (please make this a link to the web address)

    2. Public and Products Liability / Professional Indemnity Insurance

What is Public and Products Liability insurance?

Public and Products Liability insurance is designed to protect you in the event that you are
sued by a third party for injuries caused to them or any damage caused to their property.
Public Liability insurance will cover the cost of compensation to the third party, should you
be found negligent including any associated defence costs.

What is Products Liability insurance?

Product liability insurance will cover you in the event that any goods that you supply cause
injury, illness, loss or damage to a member of the public. This could include food prepared
and sold at a fundraising day.

What is Professional Indemnity insurance?

Professional Indemnity insurance will cover you in the event that you are sued by a person
who claims they were injured as a result of your professional negligence. This insurance
mainly provides cover for registered coaches or officials who give advice when a member is
training or competing in an event.

What is the excess on the Public and Products Liability and Professional
Indemnity policies?

There is a $1,000 excess for each and every occurrence for Public and Products Liability
Personal Injury, Property Damage and Professional Indemnity claims.
Who is responsible for paying the excess on the Public and Products Liability,
Personal Injury, Property Damage and Professional Indemnity claims?

The payment of the $1,000 excess is the responsibility of the defending party and will not
be paid by Australian Little Athletics unless otherwise agreed.

What activities are covered under the Public and Products Liability policy?

Administration, promotion, organisation and participation in Little Athletics activities
including sanctioned training sessions and training camps, coaching, the rendering of first
aid, provision of food and drink, publication of newsletters, sale of merchandise, property
owners or property occupiers liability, social activities including awards presentations,
fundraising, BBQ's and other social gatherings.

Please note that some fundraising and extreme training techniques may not be covered by
the definition of "Activities Covered" in this policy e.g. bungee jumping, car rallies, bull
riding rodeos etc. Please contact Willis on 1300 945 547 if you are unsure as to whether
you require insurance cover for any other activities.

What are sanctioned activities?

Sanctioned activities are those activities that are approved by Australian Little Athletics or
their affiliated State Associations or Clubs/Centres. Sanctioned activities include events
that are organised by these groups. Training sessions are designated to be sanctioned if
they are diarised, prior to the training session commencing.

How can we prove that we have Public Liability Insurance?

If you are asked to provide proof of insurance by anyone (e.g. local council or a property
owner) you will require a Certificate of Currency. Certificates of Currency are available
from Australian Little Athletics or its affiliated State Associations. A Certificate of Currency
is also located on this website by clicking here.(please ensure this is linked to the
Certificate of Currency tab)

Is the Association/Club/Centre covered for any fundraising events that we may
have throughout the season?

Yes, Association and club fundraising activities are automatically covered under the
National Insurance Scheme. These activities may include but are not restricted to trivia
nights, presentation nights, membership drive sausage sizzle at the local shops etc.
However, some activities such as the use of jumping castles could be excluded under the
policy. Please refer to Willis for confirmation that the activity is covered.

Are external contractors covered?

No, external contractors should carry their own public liability insurance.

What should an Association/Club/Centre do before signing a Lease/Hire
Agreement?

Thoroughly read any agreement before signing. A lease/hire agreement is a legal
document and as such it would always be advantageous to have a suitably qualified legal
expert review any hire/lease agreements.

In most cases lease/hire agreements will make reference for insurance or include an
indemnity/hold harmless clause. It is our recommendation that you refer any agreements
containing these clauses onto our office to ensure you are aware of any insurance
implications.
3. Personal Accident

What is Personal Accident (Sports Injury) insurance?

Personal Accident insurance is a policy that covers you in the event that you are injured
whilst participating or travelling to or from training or events that are sanctioned by
Australian Little Athletics or their affiliated State Associations or clubs. The policy will pay
out an income or a lump sum in the event of disability, disablement or death, caused by an
accident.

What does the Personal Accident (Sports Injury) insurance cover?

The Personal Accident policy covers items such as death, disablement, non-Medicare
medical expenses, loss of income, student tutorial costs, domestic home help costs and
parental assistance. You are covered for injuries even if the accident was your fault.

When does the cover apply?

Cover applies in the following circumstances:

       a.   Competing in official club/centre, state and national events
       b.   Organised training or practice sessions for activities as described in (a) above.
       c.   Travelling directly between activities in (a) or (b) above, and your residence or
            place of employment.
       d.   Staying away from your home district during a tour for the purpose of
            participating in sanctioned activities
       e.   Engaging in voluntary, administrative or organised social activities of Australian
            Little Athletics or its affiliated Associations or Clubs/Centres.

Do I need to have private health insurance if I am covered by the personal
accident section of this program?

This is a personal decision. However, it must be remembered that the personal accident
cover is limited to keep the costs as low as possible.

What constitutes organised training?

Organised training is training that is approved by either Australian Little Athletics or an
affiliated State Association, your club/centre or a coach. You must keep a record, prior to
the training session commencing of any individual training that you are undertaking in case
an accident occurs.

What do I do if I am involved in an accident?

       1. Advise your club official who will arrange for an incident report form to be
          completed.

       2. A claim form will need to be completed and submitted as soon as possible. The
          declaration on the claim form needs to be signed by your club/centre and then
          forwarded to your State Association. If you have any questions or require
          assistance, please contact Willis Insurance brokers on 1300 WILLIS (i.e 1300
          945 547).

Where can I find a Personal Accident claim form?

A claim form is located on this website by clicking here (please link to the Australian
Little Athletics Personal Accident Claim Form, attached). Alternatively, please
contact Willis Insurance brokers on 1300 WILLIS (i.e 1300 945 547).
When should I send in a Personal Accident claim form?

A claim form should be completed and submitted as soon as you become aware that you
will be making a claim. You do not have to wait until after you have completed treatment
for your injury. Please note that any treatment rendered necessary by injury must be
completed within 12 calendar months from the date of such injury occurring for expenses
to be covered.

Is the Medicare Gap claimable under the Personal Accident Policy?

No, the Health Insurance Act (Cth) 1973 does not permit the Insurer to contribute to any
charges covered by Medicare (including the Medicare Gap). 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. In addition, there will be no refund in respect of:

      a.   any expenses recoverable by You from any other insurance scheme or plan
           providing medical or similar coverage or from any other source except for the
           excess of the amount recoverable from such other policies/plans.
      b.   any expense to which the National Health Act (Cth) 1953 or any of the
           regulations made there under apply.

What are the age limitations under the Personal Accident Cover?


     Capital Benefits section:               Maximum Benefit:                              Formatted Table

Insured Persons 18 to 865 years      $150,000 (Death)                                      Formatted Table
(85 years for voluntary workers)                                                           Formatted Table

                                     $250,000 (Paraplegia,
                                     Quadriplegia

                                     $250,000 (Permanent Total
                                     Disablement)



Insured Persons 65 to 850 years      $150,000 (Death)
(85 years for voluntary workers)
                                     $10,000 (Death where there are
                                     no dependents)


                                     $Nil (Paraplegia, Quadriplegia

                                     $Nil (Permanent Total
                                     Disablement)



Insured Persons Under 18 -           $20,000 (Death)
Accidental Death Only

                                     $250,000 (Paraplegia,
                                     Quadriplegia and

                                     $250,000 (Permanent Total
                                     Disablement)
Non-Medicare Medical section:

Insured Persons aged 3 to 80 85 years. (85 years for voluntary workers)

Loss of Income

Insured Persons aged 3 to 850 years. (85 years for voluntary workers)

What is the maximum benefit period for Loss of Income and Non-Medicare
Medical claims?

104 weeks in respect of Loss of Income and 52 weeks in respect of Non-Medicare
expenses.

What is the Excess/Elimination Period under the Personal Accident Policy?

There is a $50 excess in respect to making a claim for Nnon-Medicare medical treatment.
If you are making a loss of income claim you are subject to a 7 day elimination period
which also takes into account any accrued sick leave or other entitlements. This means
that any loss of income during this period is not claimable.

Is the cost of Ambulance Transport covered under the Program?

Yes, Ambulance transport is a non-Medicare medical expense and as such covered under
the Personal Accident section of the Program (up to the limits that you are entitled to).

Can I claim on my Private Health Insurance as well as the National Program for
personal injury claims?

You must initially claim on your Private Health Insurance and then claim on the National
Program for any non-Medicare medical costs that exceed the limits of your Private Health
Insurance.

Can I claim loss of income benefits if I only work on a casual basis?

Yes, you can claim loss of income benefits if you work on a full time, part time or casual
basis. The weekly accident benefit is 80% of your net weekly income up to a maximum of
$1,000 per week, whichever is the lesser. Please note that your employer needs to
complete the loss of income section of the claim form.

Can I make more than one claim during the year?

Yes, you can make more than one claim during the year. It is important however, that you
obtain a clearance from your treating physician prior to returning to little athletics.
Example of a Medical Claim

Barry is a 25 year old office worker who has injured his leg whilst competing in a local club
hurdles race. He has been advised by his local doctor that he has to undertake physiotherapy
treatment, as well as have some x-rays. He is advised that he requires surgery. Barry has a
weekly earning of $1,000 net per week. As a result of his injuries, he has 12 weeks off work.
He does not have any Private Health cover.

PAYING THE CLAIM
Medical Expenses
(Government legislation does not allow General insurers
to cover any costs subject to a Medicare rebate)
Private practitioner Covered by Medicare *
visit
Surgeon             Covered by Medicare *
X-Ray/MRI           Covered by Medicare *
Anaesthetist        Covered by Medicare *
Public Hospital     Covered by Medicare *
Accommodation
Private Hospital                                  $1,500
accommodation 3
days @$500
9 Physiotherapy                                     $450
visits @ $50 per
visit
      Sub Total                                   $1,950
      Less $100                                  $1,850
      excess
Loss of Income 12                                $6,600
weeks @ $600 per
week (less 7 day
excess)
Total Claim                                      $8,450
Payment


*Medicare may not provide 100% reimbursement for all treatment. In some cases a
"GAP" (i.e shortfall) may be payable.
How To Make A Claim


Please select the class of business under which you are intending to make a claim.

Personal Accident

Non-Medicare Medical Expenses and Loss of Income Claims
We require a claim form to be completed for any Non Medicare Medical Expenses and / or Loss
of Income claims. Please complete the claim form (please link to the Australian Little
Athletics Personal Accident Claim Form, attached) and forward to your State
Association (please link to the “State Association Links” tab) along with any medical
receipts for reimbursement.

Capital Benefit Claims
If you become aware of a potential Capital Benefit claim or permanent or partial disablement
claim, please notify Willis immediately, (02) 9285 4111 or 1300 WILLIS (i.e 1300 945 547).

Public & Products Liability and Professional Indemnity

In the event of a liability claim, do not admit liability under any circumstances. Contact Willis
Australia Limited immediately to notify any incidents on (02) 9285 4111 or
1300 WILLIS (i.e 1300 945 547).

Association Liability

Any circumstances giving rise to an Association Liability claim is to be notified to Willis as soon
as possible on (02) 9285 4111 or 1300 WILLIS (i.e 1300 945 547).

Money

Please contact Willis on 1300 WILLIS (i.e 1300 945 547) to obtain a claim form.

Property & Equipment

Please contact Willis on 1300 WILLIS (i.e 1300 945 547) to obtain a claim form.
Policy Wordings
Please click on the Policy Wording you would like to view.

Please ensure the below classes of business are linked to the attached policy
wordings.

Personal Accident Policy Wording

Public & Products Liability / Professional Indemnity Policy Wording

Association Liability Policy Wording

Money

Property & Equipment Policy Wording
State Association Links

As with the Athletics Australia site, please ensure that the State Associations are
listed in alphabetical order, contact details below and logos attached.

Australian Capital Territory Little Athletics Association
Kerry Boden
PO Box 4047
AINSLIE ACT 2602
Tel: (02) 6247 1296
Fax: (02) 6247 1297
Email: admin@actlaa.org.au

Little Athletics Association of New South Wales
Kerry O’Keefe
Locked Bag 85
PARRAMATTA NSW 2124
Tel (02) 9633 4511
Fax (02) 9633 2821
Email: admin@laansw.com.au

Queensland Little Athletics Association
Simon Cook
PO Box 6037
FAIRFIELD GARDENS QLD 4103
Tel (07) 3255 9426
Fax (07) 3255 9438
Email: s.cook@qlaa.asn.au

South Australian Little Athletics Association
Pam Sard
PO Box 146
TORRENSVILLE SA 5031
Tel (08) 8352 8144
Fax (08) 8352 8155
Email: pamsard@tpg.com.au

Tasmanian Little Athletics Association
Vicki Samson
PO Box 104
CLAREMONT TAS 7011
Tel 1300 888 713
Fax (03) 6249 7240
Email: adminla@bigpond.com

Victorian Little Athletics Association
Dean Paulin
Locked Bag 1011
PORT MELBOURNE VIC 3207
Tel (03) 9676 3600
Fax (03) 9676 3601
Email: dean.paulin@vlaa.asn.au

Western Australia Little Athletics
Hannah Tebbutt
15 Harrogate Street
LEEDERVILLE WA 6007
Tel (08) 9388 2339
Fax (08) 9388 2340
Email: hannah@walittleathletics.com.au
What is Covered

Please ensure that this page is set out using the same format as the Athletics
Australia site

Covers included in the Australian Little Athletics Program

Public & Products Liability and Professional Indemnity

Personal Accident

          Capital Benefits
          Non-Medicare Medical Expenses (and other benefits)
          Loss of Income

Association Liability

Money

Property and Equipment

This information is only a summary of the cover provided. The policy documents with full terms
and conditions are available by clicking here

Covers not automatically included in the Australian Little Athletics Program

The following classes of insurance are not available under the Australian Little Athletics
Program;

       Fire & Perils
       Machinery Breakdown / Electronic Equipment
        Deterioration of stock
        Compulsory Third Party
        Motor Vehicle
        Travel (there is travel cover in place for national sanctioned activities, please contact
           Australian Little Athletics ph: (08) 9227 0702 for details.
          Workers' Compensation

If you would like a quotation on any of the above covers, please contact Willis on 1300 WILLIS
(i.e 1300 945 547).


As with the Athletics Australia site, after clicking on “Covers included in the
Australian Little Athletics Program” Public & Products Liability and Professional
Indemnity, please ensure this is the next page

Public & Products Liability and Professional Indemnity

Public & Products Liability Insurance

Professional Indemnity Insurance

The above two headings should be links leading to the following pages;
Public & Products Liability (including Professional Indemnity) Insurance

Who is insured under this policy?
Australian Little Athletics Inc including all affiliated State Associations, Centres, Clubs and all
registered members, officials, accredited coaches, voluntary workers, executives and members
of the Board of Management.

Who is the insurer?
Australis Group Underwriting Pty Ltd underwritten by on behalf of QBE Insurance (Australia)
Limited.

What is the period of Insurance?
From: 4.00pm 30th31st SeptemberAugust 20079 to: 4.00pm 31st August 200810
Both Local Standard Time at the Insured's head office

What is the scope of cover?
This policy provides protection for members that are held liable for a negligent act that results
in property damage or bodily injury anywhere in the world excluding USA & Canada.

What are the insured activities?
Administration, promotion, organisation and participation in athletics activities including
sanctioned training sessions and training camps, coaching, the rendering of first aid, provision
of food and drink, publication of newsletters, sale of merchandise, property owners or property
occupiers liability, social activities including awards presentations, fundraising, BBQs and other
social gatherings.

Please note that some fundraising and extreme training techniques may not be covered by the
definition of "Activities Covered" in this policy e.g. bungee jumping, car rallies, bull riding
rodeos etc. Please contact Willis on
1300 WILLIS (i.e 1300 945 547) if you are unsure as to whether you require insurance cover
for any other activities.

Where are you covered?
Anywhere in the world, except the United States of America and Canada.

What are the limits of liability?
Public Liability
$20,000,000 in respect of any one occurrence arising out of the one event during the period of
insurance.

Products Liability
$20,000,000 in respect of any one occurrence during the period of insurance.

Property in Physical or Legal Control of Insured
$100,000 in respect of any one occurrence during the period of insurance.

What is the policy excess?
$1,000 each and every occurrence.

Note: The payment of the $1,000 excess is the responsibility of the defending party
and will not be paid by Australian Little Athletics or its affiliated State Association
unless otherwise agreed.

What is excluded?
The following exclusions may affect you;

          Contractual Liability
          Tobacco - Personal injury arising directly or indirectly out of or due to the inhalation
           or ingestion of, or exposure to a) tobacco or tobacco smoke b) any ingredient or
           additive present in articles, items or goods which contain or include tobacco
          Asbestos
          Assault & Battery
   Any act(s) of terrorism
   Information technology hazards, computer data, program and storage
   Fines & Penalties or liquated damages
   Punitive damages, exemplary damages, aggravated damages and any additional
    damages resulting from the multiplication of compensatory damages
Professional Indemnity Insurance

Who is insured under this policy?
Qualified Coaches and Officials of Australian Little Athletics and all affiliated bodies including all
approved event managers and race directors, State and Territory Associations and
clubs/centres.

Who is the insurer?
Australis Group Underwriting Pty Ltd underwritten byon behalf of QBE Insurance (Australia)
Limited

What is the period of insurance?
From: 4.00pm 31st0th SeptemberAugust 20079 to: 4.00pm 31st August 200810
Both Local Standard Time at the Insured's head office

What is the scope of cover?
This policy provides indemnity to a coach or official if they are held liable for an error or
incorrect advice which results in injury or property damage to a third party.

Where are you covered?
Anywhere in the world, except the United States of America and Canada

What are the limits of liability?
$5,000,000 any one period of insurance

What is the excess?
$1,000 each and every occurrence.

Note: The payment of the $1,000 excess is the responsibility of the defending party
and will not be paid by Australian Little Athletics or its affiliated State Association
unless otherwise agreed.

How to make a claim?
As with the Athletics Australia site, please ensure this questions links to the “How to
Make a Claim” tab.
Personal Accident Insurance

Who is insured under this policy?
All registered members and all officials, trialling members, coaches, committee members,
employees including apprentices, voluntary workers and work experience students of Australian
Little Athletics and all affiliated bodies including State and Territory Associations and clubs.

Who is the insurer?
ACE Insurance Limited

What is the period of insurance?
From: 4.00pm 31st30th SeptemberAugust 2007 t2009 to: 4.00pm 31st August 200810
Both Local Standard Time at the Insured's head office

What is the scope of cover?
                                                                                                   Formatted: Bullets and Numbering
       .a. Competing in official club, state and national events.
      a.b. Organised training or practice sessions for activities as described in (a) above.
      b.c. Travelling directly between activities in a) or b) above, and your residence or place
           of employment or the premises of Australian Little Athletics or its affiliated
           Associations or Clubs.
      c.d. Staying away from your home district during a tour for the purpose of participating
           in sanctioned activities.
      d.e. Engaging in voluntary, administrative or organised social activities of Australian
           Little Athletics or its affiliated Associations or Clubs.



Where are you covered?
Worldwide

What is covered?
Capital Benefits, Non Medicare Medical Expenses (and other benefits) and Loss of
Income As with the Athletics Australia site, please ensure that “Capital Benefits”,
“Non Medicare Medical Expenses (and other benefits)” and “Loss of Income” are
linked to the individual pages containing details on these topics

What are the Age Limitations?
3 - 850 years of age (85 years for voluntary workers)

How to make a claim?
As with the Athletics Australia site, please ensure this questions links to the “How to
Make a Claim” tab.
Capital Benefits

What is covered under this section?
Please insert the table of benefits attached. Attachment titled “Table of Benefits”.

What are the age limitations?
  Capital Benefits section:         Maximum Benefit:

Insured Persons 18 to 865     $150,000 (Death)
years (85 years for voluntary
workers)
                              $250,000 (Paraplegia,
                              Quadriplegia

                                $250,000 (Permanent
                                Total Disablement)



Insured Persons 65 to 850     $150,000 (Death)
years (85 years for voluntary
workers)                      $10,000 (Death where
                              there are no dependents)


                                $Nil (Paraplegia,
                                Quadriplegia

                                $Nil (Permanent Total
                                Disablement)



Insured Persons Under 18 -      $20,000 (Death)
Accidental Death Only

                                $250,000 (Paraplegia,
                                Quadriplegia and

                                $250,000 (Permanent
                                Total Disablement)




What is excluded?

The policy will not respond to any claim under this section of the policy if the claim arises
directly or indirectly out of any of the following;

          Any injury, medical condition, or weakness known to the insured person or which
           would have been known to a reasonable person in the circumstances to have existed
           prior to the commencement of this policy
          Illness
          Any condition that is caused by repetitive movements or actions of your sport
          Any injury where you are entitled to receive a benefit from any statutory transport
           accident scheme or statutory workers compensation scheme



Please refer to the policy document & product disclosure statement (please link the
words in red to the “Policy Wording” tab) for details of policy conditions and exclusions.
Loss of Income

What is covered under this section?
This benefit provides cover for insured persons who are disabled from an injury relating to
events covered and are unable to work.

What are the benefits payable?
80% of your net weekly income up to a maximum of $1,000 per week, whichever is the
lesser. The benefit period is 10452 weeks from the date of injury.

What is the policy excess?
The first 7 days income from the date of injury is excluded.

What are the age limitations?
3 - 80 years of age (85 years for voluntary workers)

What is excluded?
The policy will not respond to any claim under this section of the policy if the claim arises
directly or indirectly out of any of the following;

          Any injury, medical condition, or weakness known to the insured person or
           which would have been known to a reasonable person in the circumstances to
           have existed prior to the commencement of this policy
          Illness
          Any condition that is caused by repetitive movements or actions of your sport

The insurer will not pay weekly benefits;

          For junior persons
          While you or the insured person are awaiting surgery unless agreed in writing
           by the insurer
          If you or the insured person recommence participation in any sport
          For more than one injury at any one time


Please refer to the policy document & product disclosure statement (please link the
words in red to the “Policy Wording” tab) for details of policy conditions and
exclusions.
Non-Medicare Medical Expenses and Other Benefits

What is covered under this section?
This section covers;

          Non Medicare Medical Expenses
          Student Tutorial Cost
          Emergency Home Help
          Out of Pocket Expenses
          Bed Care / Extra Cash
          Broken Bones Benefit



What are the benefits payable?

1) NON-MEDICARE MEDICAL EXPENSES

This covers insured persons for NON-MEDICARE MEDICAL Expenses. The policy is for
reimbursement only. That is, the member must pay the account and then claim
reimbursement under this insurance cover.

NOTE: Only NON-MEDICARE items are claimable (i.e The "Medicare gap" is not
claimable due to government legislation).

The most common "Non Medicare" expenses include:
- Private Hospital                       - Dental
- Ambulance                                   - Chiropractic
- Physiotherapy                               - Osteopathy


Medical expenses that are covered by Medicare (i.e. not covered by this sports injury
policy) include:
- Doctor’s Fees                             - Surgeon’s Fess
- Anaesthetists Fees                          - X-rays


BENEFIT
Reimbursement up to 100% of Non Medicare medical costs, up to a maximum of $10,000
per injury.

EXCESS
$50 excess applies to each injury.

CONDITIONS

       i. If a member belongs to a private health fund, they must claim from that fund first.
      ii. Non Medicare Medical costs are only reimbursed by this policy if incurred within 52
          weeks from the date of injury.
  ii.iii. Nil cover for members aged 75 to 80 years.                                            Formatted: Bullets and Numbering



2) STUDENT TUTORIAL COST


Pays 80 % of costs up to $500 per week for costs actually incurred for tutoring, travel
costs etc to assist full time student.


EXCESS
The first 7 days from the date of injury are excluded.


BENEFIT PERIOD
104 weeks from the date of injury.


3) EMERGENCY HOME HELP


Pays non-wage earners up to 100% of cost to a maximum of $500 per week being for
reimbursement of actual costs incurred for cooking, ironing, washing, cleaning, and child
minding expenses as a result of injury.


EXCESS
The first 7 days from the date of injury are excluded.


BENEFIT PERIOD
104 weeks from the date of injury.


4) OUT OF POCKET EXPENSES


Pays up to 100% of costs up to a maximum of $ $250 per week, up to a maximum of
$52,000, whilst the child is hospitalised to off set costs incurred for baby-sitting, taxi fares
etc.


EXCESS
$25 each and every claim.



5) BED CARE / EXTRA CASH


Is Payable if as a result of an accident you are confined to a bed for not less than 48 hours
under the direction of a Doctor. Benefits payable $50 per day for a maximum period of 20
days.


6) BROKEN BONES BENEFIT


Pays up to $1,000 for broken bones as per the following schedule:-
Accidental Bodily Injury resulting in:
Broken Bone Benefits – Accidental Bodily Injury
(a) Neck skull or spine (complete fracture)                                   $1,000
(b) Hip                                                                         $750
(c) Jaw, pelvis, leg, ankle or knee (other fracture)                            $500
(d) Cheekbone or shoulder                                                       $300
(e) Arm, elbow, wrist or ribs (other fracture)                                  $250
(f) Leg, ankle or knee (simple fracture)                                        $250
(g) Nose or collarbone                                                          $200
(h) Arm, elbow, wrist (simple fracture)                                         $125
(i) Foot (other than Toe or ankle) & hand (other than                           $100
fingers or wrist)                                                                $50
(j) Finger, thumb, toe or toes
Maximum Compensation any one Accident.                                        $1,000
What are the age limitations?
3 - 80 years of age (85 years for voluntary workers)



What is excluded?
The policy will not respond to any claim under this section of the policy if the claim arises
directly or indirectly out of any of the following;

          Any injury, medical condition, or weakness known to the insured person or
           which would have been known to a reasonable person in the circumstances to
           have existed prior to the commencement of this policy
          Illness
          MRI scans (if Medicare registered)
          Costs associated with the prevention of injury. For example, knee braces,
           mouth guards, ankle braces
          Expenses incurred for which a Medicare benefit is payable. The Health Insurance
           Act (Cth) 1973 does not permit the Trustee or Insurer to contribute to any
           charges covered by Medicare (including the Medicare Gap).
          Expenses incurred more than 12 months after the date of injury
          Accounts covered by an ambulance service whether claimed or not
          Accounts covered by private health insurance whether claimed or not


Please refer to the policy document & product disclosure statement (please link the
words in red to the “Policy Wording” tab) for details of policy conditions and
exclusions.
Association Liability Insurance

Who is insured under this policy?
Directors and officers of Australian Little Athletics and all affiliated bodies including State
Associations and clubs/centres

Who is the insurer?
American International Group AIG Australia

What is the period of insurance?
From: 4.00pm 30th 31st SeptemberAugust 20097 to: 4.00pm 31st August 201008                        Formatted: Superscript
Both Local Standard Time at the Insured's head office
                                                                                                  Formatted: Superscript

What is the limit of indemnity?
$10,000,000 anyone claim
, $10,000,000 in aggregate during the period of insurance

What is the excess?
Nil for Insured Persons cover
$5,000 for fFidelity claims
$2,500 for Employment Practices Liability and all other claims

What is the scope of cover?
Association Liability is essentially made up by 4 covers:

1. DIRECTORS & OFFICERS LIABILITY

Directors and Officers insurance is intended to provide cover for honest mistakes made by
directors, secretaries and other officers concerned in the management of the affairs for the
organisation. Indemnity is provided for loss as a result of a claim arising out of an insured
director's "wrongful act".

Cover is for damages and legal costs incurred in defending an action brought against an
insured director or officer. In addition, coverage is provided for legal costs incurred in the
successful defence of criminal proceedings.

The definition of "wrongful act" includes any error, misstatement or misleading statement,
act or omission or neglect or breach of duty of an insured director or officer in the conduct
of his or her duties - in short, everything an insured individual does or fails to do.

2. PROFESSIONAL INDEMNITY

Liability arising from the breach of professional duty whether such duty is owed in contract
or otherwise in respect of the Insured's legal liability arising from negligent acts, errors or
omissions whenever or wherever committed or alleged to have been committed in
connection with your organisation.

3. EMPLOYMENT PRACTICES LIABILITY

Employment Practices Liability insurance means any of the following practices directed
against any employees, contract worker, temporary workers or any applicant for
employment by the named insured:
       a.   Wrongful refusal to employ an applicant for employment
       b.   Wrongful failure to promote an employee
       c.   Wrongful demotion, negligent evaluation, negligent reassignment or disciplinary
            action.
       d.   Unlawful discrimination which may include discrimination
       e.   Sexual Harassment

4. FIDELITY GUARANTEE
(sub limited to $250,000)

Provides cover against any loss of money, negotiable instruments, bearer bonds or
coupons, stamps, bank or currency notes belonging to the insured or for which the insured
is legally liable, where such loss is sustained in consequence of any dishonest or fraudulent
act or omission of any insured.

Where does cover apply?
The indemnity provided under this policy shall extend to a wrongful act occurring anywhere
in the world but shall not include any claim made in, or determined pursuant to the law of
the USA or Canada.

What is excluded?
The policy excludes the following;

           Outside directorships
           Trusteeships
           Bodily injury and property damage
           Fraud and dishonesty
           Prior or pending claims made, threatened or intimated against such insured
            prior to the period of cover
           Terrorism



Please refer to the policy document(please link to the “Policy Wordings” tab) for
details of policy conditions and exclusions.

How to make a claim? (please link to the How to Make a Claim” tab)
Money

Who is insured under this policy?
Australian Little Athletics and all affiliated bodies including State and Territory Associations
and clubs/centres.

Who is the insurer?
Allianz Australia Insurance AIG Australia Limited.


What is the period of insurance?
From: 4.00pm 30th1st SeptemberAugust 20097 to: 4.00pm 31st August 2008010
Both Local Standard Time at the Insured's head office

What is the excess?
$500 for on premises or outside normal business hours claims
$1,000 for all other claims

Note: The payment of the $500 or $1,000 excess is the responsibility of the State
Association or club/centre and will not be paid by Australian Little Athletics
unless otherwise agreed.

What is the scope of cover?
Theft or loss or destruction or damage caused by any accident.
Cover to apply in the following locations;
   -    In transit, in bank night safe or automatic teller machine
   -    On premises during normal business hours
   -    On premises outside normal business hours
   -    Whilst contained in a securely locked safe or strongroom
   -    In private residences or in personal custody

Where are you covered?
Australia wide

What is the sum insured?

                                                                  Head Offices       Centres
                                                                  State Offices      Clubs
In transit, in bank night safe or automatic teller machine        $20,000            $10,000
On premises during normal business hours                          $20,000            $10,000
On premises outside normal business hours                         $1,000             $1,000
Whilst contained in a securely locked safe or strongroom          $20,000            $20,000
In private residences or in personal custody                      $20,000            $20,000

What is excluded?
The following exclusions may affect you;

          Loss or damages not discovered within seven (7) working days of the
           occurrence.
          Loss or damage to Money carried by professional money carriers, collectors or
           professional carriers or common carriers.
          Loss from an unattended motor vehicle.
          Loss of or damage to Money while it is outside the Territorial Limits.
          Loss or damage due to shortages arising directly or indirectly from or in anyway
           connected with clerical or accounting errors or loss due to errors in receiving or
           paying out

Please refer to the policy document (please link to the “Policy Wordings” tab) for
details of policy conditions and exclusions.

How to make a claim? (please link to the How to Make a Claim” tab)



Property and Equipment Insurance

Who is insured under this policy?
Australian Little Athletics and all affiliated bodies including State and Territory Associations
and clubs/centres.

What property is covered?
General Property                                                                                   Formatted: Font: Bold, Font color: Custom
All property belonging to the Association and/or club/centre of every description up to an         Color(RGB(158,41,41))
amount of $75,000. This includes sporting equipment, outbuildings, sheds, contents,
electronic equipment and stock.

Machinery Breakdown                                                                                Formatted: Font: (Default) Verdana, 9 pt,
Sudden and unforeseen loss or damage to items of plant and/or machinery caused by                  Font color: Custom Color(RGB(158,41,41))
mechanical or electrical breakdown or electronic malfunction(e.g. fridges, freezers, etc). All     Formatted: Adjust space between Latin and
computers and portable electronic or electrical equipment, transported away from premises,         Asian text, Adjust space between Asian text
such as timing equipment and laptop computers. Cover for spoilage of goods as a result of a        and numbers
machinery breakdown or disruption to the power supply.
Maximum Loss Limit any one loss / any one situation is $3,000.
Deterioration of Stock maximum Loss Limit any one loss/any one situation is $1,000

Who is the insurer?
Allianz Australia Insurance LimitedAIG Australia.

What is the period of insurance?
From: 4.00pm 1 July 2007 31st August 2009 to: 4.00pm 31st August 201008                            Formatted: Superscript
Both Local Standard Time at the Insured's head office

What is the excess?
$250 each and every claim, $100 for food spoilage claims

Note: The payment of the $250 excess is the responsibility of the State
Association or club/centre and will not be paid by Australian Little Athletics
unless otherwise agreed.

What is the scope of cover?
General Property                                                                                   Formatted: Font: Bold, Font color: Custom
Loss or damage as a result of fire, flood, water, impact by vehicles, animals, aircraft, aerial    Color(RGB(158,41,41))
devices (includes articles dropped from an aircraft), riots, strikes, malicious damage,
earthquake, accidental damage, burglary, theft (excluding theft from areas to which the            Formatted: Font: (Default) Verdana, 9 pt,
general public has access) and collision/overturning of conveying vehicle.                         Font color: Custom Color(RGB(158,41,41))

Machinery Breakdown                                                                                Formatted: Adjust space between Latin and
                                                                                                   Asian text, Adjust space between Asian text
Sudden and unforeseen loss or damage to items of plant and/or machinery caused by                  and numbers
mechanical or electrical breakdown or electronic malfunction. All computers and portable
electronic or electrical equipment, transported away from premises, such as timing equipment       Formatted: Don't adjust space between Latin
                                                                                                   and Asian text, Don't adjust space between
and laptop computers.
                                                                                                   Asian text and numbers

Where are you covered?                                                                             Formatted: Font: (Default)
Australia wide                                                                                     Helvetica-Condensed, 10 pt, Font color: Custom
                                                                                                   Color(RGB(35,31,32))
What is the sum insured?
All clubs Property and Equipment is insured for its replacement value up to $75,000 per
club/centre. Please contact Willis Australia (please link to the “contact us” tab) if
you require a higher Sum Insured level.

What is excluded?
The following exclusions may affect you;

         Damage to property insured outside the territorial limits
         Action from the sea, storm surge, tidal wave, high water, seepage or
          percolation of water or water entering the Building as a result of structural
          defects, faulty design or faulty workmanship
         War
         Nuclear
         Lawful seizure
         Wilful acts
         Territorial limits
         Terrorism
         Electronic Data

Please refer to the policy document (please link to the “Policy Wordings” tab) for
details of policy conditions and exclusions.

How to make a claim? (please link to the How to Make a Claim” tab)

				
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