Lawn Bowl Clubs Insurance

Additional Benefits

        •  Liability cover extended to include participation cover
        •  Member to member liability
        •  Malicious damage to greens $20,000
        •  Storm damage to greens $20,000
        •  Member & visitors property cover for fire $5,000
        •  Theft resulting from burglary for members & visitors property $2,000
        •  Accidental damage to building and/or contents $1,000
        •  Flood cover & fusion of motors $2,000 (new benefit)
        •  Resultant spoilage of frozen food $1,000 (new benefit)
        •  Fidelity cover $2,000
        •  Nil waiting period applies for voluntary workers insurance
        •  104 weeks benefit period applies for voluntary workers insurance    
        •  100% applies to a specified sum insured amount for Non-Medical 
           Medicare expenses
        •  Volunteers are automatically covered up to 85 years of age and can be 
           extended upon request
        •  Local Adelaide insurer
        •  Risk management provided for each club

Participation Cover

Do you know what “Participation Cover” is ??

        1.  The term simply means an injury sustained whilst playing bowls
        2.  Virtually every liability insurance policy available in South Australia has 
             an exclusion that will deny any claim that involves an injury sustained by
             a member or a visitor, whilst participating in a sporting activity
        3.  However, in conjunction with Bowls SA, Portfolio Planning Solutions 
             has set up a facility with a recognised local insurance company that 
             includes this participation extension to the standard public liability 
             policy

What if one of your members...........

        •  Slipped or fell on a bowls mat and hurt themselves whilst participating 
            in a game??
        •  Was hit in the face by a kitty whilst participating in a game??

Are you covered?

If you have participation cover then there is no doubt about it.    However, if you don’t, ask your broker directly and wait for a yes/no answer... you probably wont get one!  Unfortunately someone still needs to pay the money for the injured member/visitor and usually this kind of incident will result in a law suit which in most cases means the closure of the club,  bankruptcy. etc.  

Obviously, all liability claims are subject to negligence being proven.

Any questions, please contact David Millington on (08) 8291 2800.