Community
Services

Community Services

Community Services & Not-for-Profit Insurance & Risk Specialists

The true worth of society can be reflected in the way we take care of the most vulnerable members of our community, in helping the less fortunate and working to make the world a better place.

Protecting vulnerable people in our community goes to the very heart of Ansvar’s mission and is why we are dedicated to providing support and protection to organisations that support our communities. Ansvar understand the unique risks faced by Community Service and Not for Profit organisations and wants to ensure that they continue to be able to deliver on their respective purposes.

To this end, Ansvar provides tailored insurance products to help protect charities and not-for-profit organisations’ staff, volunteers, visitors and property and has a range of useful tools and valuable resources that help these organisations manage risks that are unique to this sector.

Community Service Organisations & Not for Profits
Community Sports Clubs

Community Service Organisations and Not for Profits (NFP) may include support and community centres, charity shops, village halls, special interest groups (arts, music, culture, historical societies), environmental charities, animal welfare organisations and a wide range of youth services organisations.

Overall, the Community Service sector comprises both a broad and diverse range of organisations pursuing a variety of charitable goals such as contributing to advancements in health and well-being, aiding community connectedness, helping with training and education, assisting in social welfare and offering religious support.

Community Sports Clubs

Community Sports Clubs include sports administration and non-hazardous sports risks. In fact, Ansvar is one of the largest insurers of sports clubs and associations in Australia.

Ansvar understands the unique risks and challenges faced by community sports clubs and has developed tailored insurance and risk management solutions to accommodate the broad range of activities they perform.

Risk Management

There is increasing pressure on the boards and management teams operating within the community services sector to deliver good governance, as well as safe and relevant services to the communities they serve. Common risks within the Community Services sector include damage to property and equipment, fraud, the safety of volunteers and financial loss.

Damage to Property
& Equipment
Fraud
Volunteers Safety
Financial Loss

Enterprise Risk Management

Our ERM Solutions

Ansvar understands these challenges, which is why we provide a range of community service-focused risk management services and tools including strategic workshops, online incident reporting software and expert advice and tools for the protection of  your organisation, volunteers and community members.

 

Community Service Insurance Products

Community Service and Not for Profit Organisations play an important role in supporting the physical, health and well-being needs of our local communities. Having looked after the insurance and risk needs of thousands of these organisations over many years, Ansvar has developed specialist knowledge and expertise and tailored products to ensure these organisations can continue to deliver and achieve their missions.

At Ansvar, we insure small and large businesses and provide a Business Insurance package product for SME’s and individual products for larger businesses.

 

Community Service Insurance Business Pack
Industrial Special Risks
General Public and Product Liability insurance
Management Liability
Professional Indemnity Insurance
Community Insurance Policy Documents

Community Service Insurance Business Pack

General Public and Product Liability insurance

Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party. Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring. In the event that the organisation is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party.

Physical and sexual abuse cover

Offered as an extension within the Public and Products Liability policy, Ansvar’s Sexual Abuse Cover protects your organisation against allegations of sexual abuse committed by either an employee or volunteer against a member of the public whilst in your care.

The cover is offered to organisations with robust risk management procedures in place and offers peace of mind for a serious risk which is very real for organisations that provide care to vulnerable people including children, the disabled and the elderly.

Choose the cover that’s right for you. With Ansvar’s General Public and Products Liability insurance you can add additional cover to suit your organisation’s needs.

MANAGEMENT LIABILITY

Management Liability Insurance protects you and your organisation against operational risks and exposures.

It is a packaged executive protection insurance policy that typically includes:

  • Entity Liability
  • Directors and Officers Liability
  • Entity Reimbursement
  • Employment Practices Liability
  • Trustees Liability
  • Statutory Liability
  • Internet Liability
  • Entity Crisis Cover

It is designed to protect an organisation, its directors and officers and employees against actions brought by:

  • Regulators
  • Employees
  • Competitors
  • Creditors
  • Shareholders (especially minority shareholders)
  • Clients

Most common types of claims under Management Liability Insurance:

  • Breaches of director’s duties and/or fiduciary duties, including breach of trust
  • False, misleading conduct by directors/officers and
  • Actions alleging improper and illegal conduct
  • Statutory breach of duty i.e. under legislation
  • OH & S prosecutions and inquiries
  • Employment: unfair/wrongful dismissal, discrimination, harassment, wrongful failure to employ or promote
  • Defamation by directors/officers
  • Breach of intellectual property rights by directors/officers
  • Employee theft, including theft of money and property
  • Statutory fines & penalties.
  • Taxation investigation cost
PROFESSIONAL INDEMNITY INSURANCE

Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:

  • Claims preparation costs
  • Continuous cover
  • Court attendance costs
  • Good Samaritan acts
  • Indemnifiable fines and penalties
  • Investigations and inquiries
  • Joint venture
  • New subsidiaries
  • Public relations expenses
  • Run-off cover
  • Spousal liability
  • Vicarious liability
Volunteers Personal Accident Insurance

Ansvar’s Personal Accident cover is designed to provide compensation to volunteers who provide services on behalf of the Insured if they are injured whilst providing those services. Unlike employees, volunteers are not covered under the Insured’s Workers Compensation Insurance Policy. Therefore it is vital that the Insured takes out this cover to protect the volunteers in the event they are injured whilst performing their volunteer duties. The Volunteers Personal Accident cover is a defined event policy, so there is no requirement for the Insured to be negligent in order to claim. It provides an upfront financial benefit in the event that one of the defined events of the policy occurs. It ensures the Insured organisation provides protection to one of its most important assets – its volunteer workforce.

*This cover complements Ansvar’s General Public and Product Liability Insurance policy.

Property Insurance – Commercial premises

This cover provides accidental damage to your insured property at the location(s) where you carry out your operations. Cover applies to the declared property for damage occurring during the period of insurance.

Business Interruption Insurance

Business Interruption Insurance covers you for loss of income and/or increased costs of working as a result of damage occurring during the period of insurance.

Crime Cover

Crime cover protects you for loss of money, burglary or theft of property (other than money), and theft by officials.

Glass Breakage

Glass Breakage covers you for accidental breakage of external and internal glass including leadlight and stained glass.

Breakdown of Mechanical and Electronic Equipment

Machinery Breakdown covers you for breakdowns for equipment such as mechanical equipment, explosion of boilers and pressure vessels.

Electronic Breakdown covers you for the breakdown of electronic equipment, such as computer equipment or point of sale machines, at your location(s).

General Property

General Property covers you for accidental damage caused to specific items that you have elected to insure Australia wide.

Industrial Special Risks

Ansvar’s Industrial Special Risks Insurance (ISR) provides Material Damage cover and Consequential Loss cover for medium to larger Community Service organisations including Not-for-Profits with insurable asset values over $10 million. 

This policy is designed to protect physical assets, including buildings, stock, plant and machinery and other property for losses from fire and perils, burglary, theft, loss of money, glass breakage and mechanical breakdown. 

General Public and Product Liability insurance

Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party. Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring. In the event that the organisation is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party.

Physical and sexual abuse cover

Offered as an extension within the Public and Products Liability policy, Ansvar’s Sexual Abuse Cover protects your organisation against allegations of sexual abuse committed by either an employee or volunteer against a member of the public whilst in your care.

The cover is offered to organisations with robust risk management procedures in place and offers peace of mind for a serious risk which is very real for organisations that provide care to vulnerable people including children, the disabled and the elderly.

Choose the cover that’s right for you. With Ansvar’s General Public and Products Liability insurance you can add additional cover to suit your organisation’s needs.

Management Liability

Management Liability Insurance protects you and your Community Service or Not for Profit organisation against operational risks and exposures. It is a packaged executive protection insurance policy that typically includes:

  • Entity Liability
  • Directors and Officers Liability
  • Entity Reimbursement
  • Employment Practices Liability
  • Trustees Liability
  • Statutory Liability
  • Internet Liability
  • Entity Crisis Cover

It is designed to protect an organisation, its directors and officers and employees against actions brought by:

  • Regulators
  • Employees
  • Competitors
  • Creditors
  • Shareholders (especially minority shareholders)
  • Clients

Most common types of claims under Management Liability Insurance:

  • Breaches of director’s duties and/or fiduciary duties, including breach of trust
  • False, misleading conduct by directors/officers and
  • Actions alleging improper and illegal conduct
  • Statutory breach of duty i.e. under legislation
  • OH & S prosecutions and inquiries
  • Employment: unfair/wrongful dismissal, discrimination, harassment, wrongful failure to employ or promote
  • Defamation by directors/officers
  • Breach of intellectual property rights by directors/officers
  • Employee theft, including theft of money and property
  • Statutory fines & penalties
  • Taxation investigation costs
PROFESSIONAL INDEMNITY INSURANCE

Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:

  • Claims preparation costs
  • Continuous cover
  • Court attendance costs
  • Good Samaritan acts
  • Indemnifiable fines and penalties
  • Investigations and inquiries
  • Joint venture
  • New subsidiaries
  • Public relations expenses
  • Run-off cover
  • Spousal liability
  • Vicarious liability

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For General Enquiries Call

1300 650 540

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