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Association Liability

Not for profit and charitable associations provide vital services to the community. Managing a not for profit organisation can, however, carry with it a significant element of liability risk to individuals.

Board members and senior managers can be held personally liable for their actions or failure to act in certain circumstances.

Association Liability Insurance provides protection for the organisation as well as its Directors and Officers from a range of exposures relating to employment practices, fraud or fines and penalties. It also extends to protect against errors or omissions in the provision of advice and training.

The Association Act of 2009 introduced increased penalties for Director and Officers who breach their legal duties.  Examples of such breaches are:

  • Conflict of interest
  • Misuse of knowledge gained on Board
  • Misuse of position on Board
  • Trading while insolvent
  • Complicit involvement

An Association Liability policy typically covers your legal defence costs as well as the compensation and legal costs incurred in response to allegations of ‘wrongful acts’ committed by a Not For Profit organisation, and/or its management.

Who does Association Liability protect?

Normally the association and its directors, secretaries, officers, trustees, committee members, employees, volunteers and any individual acting for the association at the direction of a board or management committee of the Association.

It is important to note however that cover will not apply in cases where illegal personal gain or advantage is acquired, or a criminal or fraudulent act is proven.

Who needs Association Liability Insurance?

  • Industry Associations
  • Charities and other Benevolent Societies
  • Educational Institutions / Universities
  • Political Associations
  • Professional Associations
  • Licensed Clubs
  • Religious and Community Organisations
  • Sporting Associations
  • Unions

Every Not For Profit organisation’s insurance needs are different, and will require a tailored risk solution. Whitbread recommend you speak to an insurance broker who can assist you in obtaining the right cover for your organisation.

Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer-specific policy wording for inclusions, exclusions, terms and conditions. 

Covered Features

  • Association Liability Fidelity & Crime

    Fidelity & Crime

    Covers the organisation against loss of money, securities or inventory resulting from fraudulent or dishonest acts committed by their employees.

  • Association Liability Internet Liability

    Internet Liability

    Protects the organisation against third party claims that arises from internet operations. Incidents such as data security breach or privacy loss.

  • Association Liability Directors & Officers

    Directors & Officers

    Provides protection to all Directors & Officers for legal liability they may incur personally in managing an association.

  • Association Liability Tax Audit

    Tax Audit

    Covers the organisation against Taxation audit charges incurred by ATO.

  • Association Liability Professional Indemnity

    Professional Indemnity

    Provides protection to the Association against legal liability which it may incur through the conduct of its activities or the provision of services. 

  • Association Liability Volunteer Protection

    Volunteer Protection

    Covers the liability exposure to the volunteers you have enlisted to carry out the work of your organisation.

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The Whitbread Channel

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Michael Giansiracusa

Whitbread will be closed on public holidays over the festive period, and have a smaller team on hand to assist until Monday 10 January, 2022.

Our team will finish up at 2pm on Christmas Eve, and reopen at 8:30am on Wednesday 29 December, 2021. Our office will also be closed on Monday 3 January, 2022 (New Year’s Day public holiday).

From all of us, we'd like to wish you and your family a Merry Christmas and Happy New Year! For urgent claims assistance during our closure period, please refer to the info

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Renee Cassidy

With the festive season in full swing, and new year steadily approaching, it’s fair to say we are all looking forward to a well-deserved break with plenty of fun and frivolity during the holiday season.

To help keep you, your home and your business safe, we’ve compiled Whitbread's ‘10 Tips of Christmas’ – so you can enjoy a fiasco-free holiday!


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