Association Liability
Non-Profit Insurance
AUD 500 /year
AUD 10M
AUD 500
All States
No
- Association Liability
- Crime
- Employment Practices Liability
- Professional Indemnity
- Statutory Liability
- charities
- non professional sporting clubs
- associations and not for profit
Product Overview
Association Liability by ProRisk Underwriting Pty Ltd is built for incorporated associations, charities, and non‑professional sporting clubs across Australia. It brings management, employment, professional, crime, and statutory covers into one package, so associations manage risk in one place.
The policy includes protection for directors and officers when decisions are challenged, plus cover for professional services given by the association. It also responds to employee crime, employment practices issues, tax audit costs, and statutory exposures like OH&S investigations and penalties.
About Association Liability by ProRisk Underwriting Pty Ltd
Limits are available up to AUD 10 million, with a starting excess from AUD 500 for eligible risks. Pricing starts from around AUD 500 per year, with final terms set through ProRisk’s underwriting and ProBind platform.
The cover is available in all states, with no separate broker contract required through the IBmarkets listing. ProRisk’s underwriting team and digital quote and bind platform help associations quickly tailor limits and excess within the available range.
Brokers who want more detail can review the linked product documents and ProRisk webpage on this IBmarkets product page. When a risk looks like a good fit, the contact and quote request tools like the ‘Contact Underwriter for Quote’ on the page give an easy next step.
Association Liability by ProRisk Underwriting Pty Ltd FAQs
What types of organisations can apply for the policy?
Association Liability by ProRisk Underwriting Pty Ltd is designed for incorporated associations and not-for-profit organisations. Typical examples include charities, community associations, and other membership bodies that need structured governance cover across the country.
This product sits in the Non-Profit Insurance space, so it aligns well with organisations that exist primarily for community or member benefit. Interested readers can explore Non-Profit Insurance guidance if they want more context on this segment.
Can sporting clubs apply for Association Liability by ProRisk Underwriting Pty Ltd?
Yes, non professional sporting clubs are specifically listed as a target class for this association liability product. This suits volunteer-run or community clubs that hold funds, run events, and appoint committee members.
Eligible sporting clubs can work through their broker to access ProRisk’s underwriting team and online ProBind platform for quotes and binding.
What kinds of statutory or regulatory exposures are considered within this association liability policy?
The policy addresses statutory-type exposures that commonly affect associations, such as occupational health and safety investigations and related penalty risks. It also includes cover for tax audit, helping with costs when authorities review the association’s tax affairs.
Together with the wider liability sections, this gives incorporated associations a structured response to everyday regulatory scrutiny.
What are the main coverage sections included in Association Liability by ProRisk Underwriting Pty Ltd?
The association liability package brings together several key sections under one policy for not-for-profit associations. It includes management liability for directors, officers, and the association, along with employment practices cover for certain workplace disputes.
The policy also contains professional indemnity for specified services, crime cover focused on employee dishonesty, and statutory and tax audit cover for OH&S-type exposures, penalties, and tax review costs.
What limit and excess ranges are available under this association liability cover?
The product shows maximum policy limits available up to AUD 10 million for suitable association risks. It also notes a minimum excess from AUD 500, with premiums starting from around AUD 500 per year.
Brokers can use ProRisk’s ProBind platform to refine limits and excess within this range when arranging Association Liability by ProRisk Underwriting Pty Ltd for eligible not-for-profits.
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