Who is covered?

Queensland Rugby Football League Limited, its Divisions, affiliated Referees’ Associations, Coaches, Committee Members, Declared Officials, Referees and Voluntary Workers.

When & where is cover provided?

The policy runs for the period 4pm 31^st December 2006 to 4pm 31^st December 2007 and provides cover Worldwide (excluding USA & Canada).

What is covered?

·         Public Liability

·         Products Liability

·         Property in Care, Custody or Control

Covering your legal liability to pay compensation for Personal Injury, Property Damage, and/or Advertising Liability, that happens during the period of insurance which is caused by an occurrence in connection with the Insured’s premises or business (sport of Rugby League including Rugby League Sevens & League Tag).

You must be aware that the policy provides cover for administration and the development, promotion, organisation and conducting of Rugby League (including Rugby League Sevens & League Tag) games and coaching courses and/or clinics including officiating in officially appointed (by Referees Association) School matches.

It is important to understand that all social & fundraising activities other than BBQ’s after games & training and raffles must be referred to the insurer via this office for approval.  Should your Association conduct any fundraising or social events other than those mentioned you must contact OAMPS LASER at least 2 weeks prior to the event so that we may refer to the Insurer.  Depending on the event/activity referred you may be required to take out additional cover.  The cost of any additional cover (if any) will be determined on a per case basis. 

• Participant Liability

Protects the insured against those sums for which it becomes legally liable to pay because of actions brought against it by a participant whilst competing and/or practicing in an insured activity.  This insurance does not apply to claims or incidents brought by one participant against another participant for personal injury or property damage occurring whilst competing and or practicing in the sport of Rugby League

• Tenants Liability

Protects the insured in regard to its legal liability incurred from its occupation of its rented premises. This liability protection does not apply to liability, which is assumed under an agreement or lease unless that liability would have attached without such agreement or lease.  (Please refer to “Venue User Agreement” contained in the Tear Out Documents section of this Handbook)

• Property Owners Liability

Protects the insured for its legal liability arising from ownership of the premises.

• Property in Care, Custody or Control

Relates to legal liability for damage to property in your care, custody or under your legal control.  This section does not cover malicious damage caused by the Insured or repair of Insured’s work that was incorrectly or inadequately or defectively performed on or in respect of it.

• Advertising Liability

Protects the Insured for such things as Libel, Slander or Defamation (not made with the prior knowledge of the falsity thereof); infringement of patent, copyright design or title or slogan; privacy or unfair competition or idea misappropriation under an implied contract; any invasion of right of privacy where occurring unknowingly and unintentionally and committed or alleged to have been committed during the period of insurance in any advertisement, publicity articles, broadcast or telecast and arising out of the activities of Rugby League.

Sums Insured
Public Liability:                       $10,000,000 any one occurrence during the period of insurance.

Products Liability:                   $10,000,000 any one occurrence and in the aggregate during the period of insurance.

Property in Care,

Custody or Control:                 $50,000 any one occurrence.

Excesses:                              $500 each & every Property Damage occurrence
                                              Note: Excesses applying are the responsibility of the defending
                                              party and will not be paid by the QRL.

How to obtain a certificate of currency?

Simply contact OAMPS Laser on 1800 SPORT 1 (1800 776 781) or email craig.hodgson@oamps.com.au and advise the full legal entity name of your Association together with details of where the Certificate is to be forwarded.

Professional Liability Insurance                                                         

Who is covered?

Qualified Registered Coaches, Registered Referees, Trainers and Registered First Aid Officers attached to Queensland Rugby Football League Limited, its Divisions, affiliated Referees’ Associations, Local Leagues and Clubs.

When and where is cover provided?

The policy runs for the period 4pm 31^st December 2005 to 4pm 31^st December 2006 and provides cover Worldwide (excluding USA & Canada).

What is covered?
 

• Professional Liability

Covering you against liability to pay compensation or damages for personal injury and/or property damage arising from a claim first made against the Insured and notified to the Insurer during the Period of Insurance resulting from a breach of Professional Duty in connection with the Insured's business (sport of Rugby League including Rugby League Sevens & League Tag).

You must be aware that the policy provides cover for administration and the development, promotion, organisation and conducting of Rugby League (includes Rugby League Sevens & League Tag) games and coaching courses and/or clinics including officiating in officially appointed (by Referees Association) School matches.

Sums Insured
Professional Liability:              $5,000,000 any one occurrence and in the aggregate during the period of insurance.

Excesses:                              $500 each & every Property Damage occurrence.
                                              Note: Excesses applying are the responsibility of the defending
                                              party and will not be paid by the QRL.

Directors & Officers Liability Insurance (Optional)

Who is covered?

Any natural person who has been, now is or shall become a elected director or trustee, elected or appointed officer, employee, or committee member (whether or not salaried) of participating QRL affiliated Referees’ Association, any natural person acting in a voluntary capacity on behalf of participating QRL affiliated Referees’ Association and at the specific direction of such organisations.

When & where is cover provided?

2005 policyholders

Policy runs from 4pm 5^th February 2006 to 4pm 5^th February 2007  provided   the completed   proposal form (refer to “tear out documents” section) and payment are received in this office by 28^th February 2006.  Policy provides Australia wide cover.

New applicants

Policy runs from the later of 4pm 5^th February 2006  or date the completed  proposal form (refer to  “tear  out  documents” section )   and   payment   are  received   in  this  office   through   to   4pm       
5^th February 2007.  Policy provides Australia wide cover.

What is covered?

Covering on behalf of an insured all loss which such insured becomes legally obligated to pay

on account of any claim first made against the insured during the policy period, for:

a)             a Wrongful Act,

b)             Employment Practices, or

c)             Personal Injury or Publishers Liability, 

committed, attempted, or allegedly committed or attempted, by such Insured before or during the Policy period.

Sum Insured:                             $1,000,000 any one claim

                                                $5,000,000 in the annual aggregate

Deductible:                                $2,500 each and every claim

                                             Note: Excesses applying are the responsibility of the
defending party and will not be paid by the QRL.

Exclusions:                           

·         Bodily injury / property damage (Employment Practices Liability carve back)

·         Prior claims and or known circumstances

·         Deliberate and fraudulent acts

·         Failure to maintain insurance

·         Contractual liability

How much does it cost?

         $260 for Associations holding stamp duty exemption

         $275 for Associations without the exemption

Acceptance Criteria       

·         Association must be incorporated

·         Liabilities must not exceed assets

·         Policy does not extend to cover the business operation of full time licensed clubs

How to arrange cover?

To arrange cover fully complete the Chubb proposal form (refer to “tear out documents” section) and return to OAMPS Laser Insurance, GPO Box 1113, Brisbane QLD 4001 together with a cheque for full payment.

To download Stamp Duty Exemption Form click on the below link:-