Financial Management and Insurance


In the ever-increasing world of litigation, it is vital that your club protects its assets with adequate insurance.

Insurance is a common risk management tool that may minimise your club’s liability. However, insurance is a reactive rather than a pro-active risk management tool and therefore other risk management strategies should be adopted in order to reduce the risk from occurring.

Examples of legal claims that clubs can be exposed to:

  • negligence claims – e.g. personal injury or decisions made
  • criminal liability – including claims for sexual offences and discrimination
  • occupier’s liability
  • work health and safety
  • employment liability – e.g. unfair dismissals

Insurance Quote

Types of Insurance

Your club’s risk assessment process will identify the type of risks that the club could be exposed to. This will then help determine whether insurance is available and appropriate.

Some policies that may be applicable to your club include:

  • Public liability insurance
  • Professional indemnity insurance
  • Directors and officers liability insurance
  • Associations liability insurance
  • Personal accident insurance
  • Work health and safety cover
  • Workers compensation
  • Property contents insurance
  • Fidelity insurance
  • Building insurance
  • Travel insurance

It is recommended that a checklist should be used on an annual basis to manage your club’s insurance.

Player Liability Insurance

Golf Australia maintains a Player’s Personal Liability Insurance Policy for all members of an affiliated golf club.

Broadly this policy covers the legal liability of your members to pay compensation for personal injury or property damage which occurs while playing or practising golf or attending a golf event or venue as a player, guest or spectator.

Personal liability arising from the use of a motorised or non-motorised golf buggy is also included.

The cover is provided up to a limit of $20 million.

For further information including a copy of the policy wording and schedule please refer to the following documents:

Click here for Personal Liability Frequently Asked Questions


Click here for Player's Personal Liability Schedule 2016.pdf

Click here for Player Liability Policy

Club Insurance Options for Increased Cover

Golf Australia has also arranged further optional policies that clubs can elect to take up to cover members’ personal equipment and personal accident:

(i)   Personal Accident Insurance

      Click here for Player Personal Accident Frequently Asked Questions

      Click here for Player Personal Accident Policy

(ii)  Personal Equipment Insurance

      Click here for Player’s Personal Equipment Frequently Asked Questions

      Click here for Player’s Personal Equipment Policy

Business Insurance for Golf Clubs

Through Golf Australia’s partnership with Sportscover to form Australian Golf Insurance; an exclusive insurance scheme is available that provides tailored, quality cover for golf clubs.

The policies include cover for golf clubs property, liability, professional indemnity, management liability and voluntary workers risk.

Benefits of using Australian Golf Insurance

Australian Golf Insurance is a specialist Golf Club Insurance Policy offering bespoke cover for property, liability, professional indemnity, management liability and voluntary workers risks.

The policy is accessible by golf clubs through any licensed insurance intermediary (broker) and therefore clubs are not required to change their broker relationship.

  • To obtain a quote click on the link below:

Australian Golf Insurance

Insurance Assistance

For further information click here Australian Golf Insurance

or contact Sportscover on (03) 8562 9100 or for all insurance inquiries and to obtain further information on the above optional policies.

Click here to download a Golf Equipment and Player Personal Liability Claim Form