Association Liability Insurance

Introduction

Association directors, officers and committee representatives have a legal, professional and statutory responsibility under the Corporations Act, to members, employees, voluntary workers and the general public. Innocent mistakes or omission can be made, irrespective of strong corporate governance application. This insurance will provide the protection you need if a claim is made.

QBE Insurance Group

This policy offers the security of QBE Insurance Group, Australia's largest international insurance and reinsurance company and one of the top 25 in the world. QBE operate in all key insurance markets with offices in 45 countries staffed by around 13,000 team members. In Australia, QBE provides localised services from more than 50 offices spanning each state and territory.

QBE has a Standard & Poor's Insurer Financial Strength Rating of A+/STABLE and has been named General Insurer of the Year by the National Insurance Brokers Association (NIBA) for the past seven years.

Policy Cover

The policy is designed to cover the key risk exposures of an Association.
Cover includes:

• Directors and Officers Personal Liability
• Association Reimbursement
• Entity Cover (claims against the Association itself)
• Employment Practices Liability
• Professional Indemnity (wrongful advice to members or the public)
• Fidelity (employee theft)
• Statutory Liability (fines and penalties)
• Claims made under the Trade Practices Act
• Defamation
• Protection for Office Bearers / Committee / Volunteers
• Claims made against past association representatives

Pricing

Our premiums are very competitive and start at $800 for $1,000,000 cover.
We offer indemnity limits up to $20,000,000.

Examples of real premium savings are noted below:

Client	2008/09 premium paid	2009/10 premium paid	Saving with Rowland House
A	$11,700	$4,840	$6,860 (58%)
B	$7,000	$2,570	$4,430 (63%)
C	$3,750	$2,250	$1,500 (40%)
D	$3,750	$1,720	$480 (22%)
E	$1,200	$820	$380 (32%)

We proudly provide the following client testimonials:

"We have found this is a vital, valued and well priced service"
Dr Colin Benjamin, CEO, Psychotherapy & Counselling Federation of Australia Inc

"Friendly, fast and a great result. It was a pleasure insuring with Rowland House / QBE"
Carole Miller OAM, CEO, Keep Australia Beautiful Queensland

"The cost saving was surprising and the service professional and responsive"
Ross Walden, Executive Director, Australian Video Rental Retailers Association Ltd

"Outstanding service and policy coverage"
Andrew Judkins, Executive Manager, Australian Driver Trainers Association Vic Inc

To obtain an indicative quotation, please send an email to davidf@rowlandhouse.com and provide the following basic information:

• 1. Gross revenue
• 2. Number of members
• 3. Expiry date of current policy
• 4. Current insurer

To obtain a binding quotation, please download a copy of the QBE application form and forward to Rowland House, together with the associations latest audited financial statements.

For all telephone enquiries, please contact us on 1800 642 747 and ask for Helen or David. We look forward to providing you with a quote and answering any questions that you may have.

Other Available Cover

• Public and Products Liability Insurance
• Property and Contents Insurance
• Voluntary Workers Personal Accident Insurance
• Travel Insurance