At Ansvar Insurance we put our customers at the heart of our business.

Understanding Your Risk

We understand the types of risk exposures that Faith, Care, Education, Heritage and Community organisations face.  With over 50 years experience in working in this field, our expertise lies in how we can help you avoid the risks you may face.

With this in mind our specialist insurance policies have been specifically tailored to meet your needs and provide protection.

Background Checks

At Ansvar, we have established a strategic supplier partnership with AIS International, for employee and volunteer background checks. AIS International are a global background screening organisation with over 50 years investigative & background screening experience in over 165 countries. We believe AIS provides an excellent service, are cost effective and we encourage all of our customers and partners to use.

Read more…


Property damage is common. Some ways in which to protect your property include:

  • Having appropriate fire protection installed – automatic sprinkler system; monitored smoke and/or thermal protection; fire hydrants; extinguishers and fire blankets.
  • Removing combustible materials such as cardboard boxes, timber, old furniture or clothing that could be used to fuel a fire.
  • Using a metal bin with a lockable lid to store your rubbish and locating it away from buildings.
  • Having an induction program in place for all contract workers and providing adequate supervision of contract workers while on site and ensuring they always sign in and out when entering and exiting the property.
  • Having adequate perimeter fencing around the whole property to prevent unauthorised entry and/or exit (e.g. absconding).
  • Ensuring a preventative maintenance program is in place covering all aspects of the property. This program should be strictly followed with automatic reminders of scheduled maintenance.
  • Ensuring all fire exit signs are illuminated.
  • Regularly service and test fire fighting equipment and ensure it is tagged in accordance with Australian Standards. Ensure designated staff are trained in the use of fire fighting equipment and have first aid training.
  • Scheduling regular cleaning of commercial kitchen filters, canopies and ducts.
  • If not already in place, consider implementing a vermin control program if necessary.
  • Commercial kitchen filters canopies and ducts should be part of a scheduled cleaning program.

The media is constantly reporting on cases and alleged cases of abuse. Through this organisations and individuals can suffer significant reputation damage.  While many of these cases refer to incidents in the past, abuse continues to occur today.

One of the key reasons abuse is so often allowed to occur unchecked is because staff supervision is ineffective or non-existent. Agency staff in particular, may not be personally known to staff members of the organisation, this may be a contributing factor to cases of abuse.

There are many good reasons why your organisation should take preventative measures and know your legal obligations.  Because legislation varies from state to state, it is important that you understand the laws relevant to your location.
When it comes to protecting the vulnerable some ways to mitigate risk include;

Developing a policy statement on Client Protection

A policy statement will demonstrate the seriousness with which you view the prevention of abuse and will allow you to draft a framework to guide your actions in the future. It will become a document you can present to all paid and unpaid staff and will ensure the issue of Client Protection is communicated.

Documenting the way in which staff are selected

In this document the terms staff and employee encompass: paid employees, unpaid employees, volunteers, students, people on work experience, management, board members, contractors, and others who may act on behalf of the organisation. The way in which positions are appointed may leave your organisation exposed to infiltration by those with predatory motives. As many organisations have already adopted “best-practice” procedures, without appropriate screening protocols your organisation may be seen as an easy target. As a first step, ensure appropriate working with children and police checks are always carried out.

Implementing sound supervision practices

Screening applicants is not a total solution and it can never be assumed that your processes are 100% effective.  It is essential to create an environment where the opportunity for incidents of abuse is reduced.

As part of your Client Protection policy include a section that describes the qualities and behaviours that are expected of people who work with clients as well as behaviours that are considered inappropriate. This “Code of Practice” should be detailed in its expectations, as it will make them easier to monitor and enforce.

Developing an appropriate response plan

Whilst it is hoped that you will never have to deal with an allegation of abuse, it is important that you have a response plan in place so that from the moment the allegation first arises, you will know what to do.

Your board of directors and senior management can be held personally liable for claims brought against them or the organisation.  This creates a significant responsibility for senior executives.

Any failure on the part of a director or senior manager in carrying out their responsibilities properly or any wrongful act committed by them may catch them unaware and burden them or the organisation with legal expenses and a sizable financial liability.

Typical risk exposures that boards and management face include:

  • Breach of duty/neglect
  • Mergers and acquisitions
  • Shareholder issues
  • Employment practices & HR issues (unfair dismissal, discrimination, sexual harassment)
  • Defamation
  • Reporting errors
  • Inaccurate or inadequate disclosure in company accounts
  • Insolvent trading under Section 588G of the Corporations Act 2001(Cth)

Organisations can suffer financial loss through a variety of ways and having a fraud prevention plan and a business continuity plan will help.

Ways in which an organisation can manage fraud prevention include: effective banking procedures, dual signatories on accounts, password protection, expenditure approval processes, expenditure delegation authority and cash management, counting and storage.

Consider how your organisation could try operating without communications; I.T; staff; building access or a reduced income. Consider how quickly could you recover from a disastrous event or what the implications and financial loss might be if you could not function for three days, three months or three years?

Ensure you brainstorm and plan recovery methods BEFORE a risk event occurs. Be proactive and do not leave the process until it is too late.

Your people are your number one priority and they deserve to be looked after.

When it comes to protecting people some of the risks that are often overlooked include;

  • Providing a safe and suitable environment for your people to visit or work.
  • Ensuring appropriate processes are in place and communicated.
  • Providing adequate training and resources for people to confidently complete their tasks.
  • Providing adequate supervision of tasks, particularly where volunteers and agency staff are involved.
  • Identifying trip and slip hazards, have them logged and actioned by a responsible person.
  • Where required insure adequate disabled access which may include more than one entry/exit point, ramps, lifts or handrails.
  • Drafting and implementing an effective evacuation plan. Display maps in prominent positions throughout the establishment. Carry out regular evacuation drills to ensure staff are aware of what to do in emergency situations.

Incident Management and Reporting is key to harm prevention and enables controls to be dynamic and adapt to the changing circumstances and conditions.
In the video below, Ansvar’s Diana Borgmeyer Head of Risk Solutions discusses a number of topics surrounding Incident Management and Reporting:

  • Why Ansvar encourages our customers to have a well established incident management approach
  • Incident Vs Accident
  • The type of events Ansvar considers important for organisations to report in their incident reporting system
  • Why incident management and reporting is particularly important for organisations who provide services to children and vulnerable adults
  • The role an organisations culture plays in encouraging reporting of incidents and effective management and learning from incidents
  • How Ansvar’s Risk Solutions helps our clients and partners with incident management
  • The software solution Ansvar offers our clients

Click on the video below to watch

View the presentation here which features informative imagery used in the video.


Within this section you will find useful worksheets, white papers and resources for the day to day running of your organisation.

Our documents can be viewed here.


At Ansvar, we offer individualised insurance solutions to customers within our core segments, because we understand that there is no “one-size-fits-all” when it comes to insurance protection.  This is why our products are designed with your unique needs and requirements in mind.

View all of our products here.


We are a specialist insurer of Faith and Charity organisations, Educational and Care facilities, Community groups and Heritage buildings.  Our expertise in these sectors means that we understand and know the risks your organisation faces and how you can minimise them.

We are leaders in providing specialised insurance solutions to the Australian Faith community. With more than 50 years of experience, our extensive history and unique understanding of the diverse and complex nature of the Faith sector mean we offer tailored cover, expert risk management advice and a dedicated claims service.  We can provide the right protection for your place of worship, congregation, staff members and volunteers.
We have a thorough understanding of the unique risks and challenges Care facilities and services face. We focus on providing tailored insurance coverage and risk management services for Aged Care providers, Retirement Villages, Disability Services and Child Care Services and we can provide the right level of protection for your industry.
Educational facilities ranging from primary schools to adult learning centres must be diligent, transparent and incredibly conscientious with their processes and protocols. We understand the types of risk exposures that learning environments face and have developed insurance cover to meet your needs and ensure their assets are protected. We also provide cover for your directors, board members, staff, students and volunteers.
We know that heritage buildings are often complex structures and require specialist risk advice, so we’ve developed a unique Heritage insurance product and range of services to help preserve your community for years to come. Buildings and sites of cultural significance or community importance contribute to our heritage, which is important to protect for future generations.
We understand that the Australian Community Service and Not-for-Profit sector is a growing industry that contributes to society on an invaluable level, often in challenging circumstances. We have designed our products and services to meet the needs of Community Service and Not-for-Profit organisations large and small.

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