Specialised Liability Insurance for the sailing industry 

Designed for Australian Sailing affiliated clubs 

Network Insurance House has developed and tailored liability policies to protect Australian Sailing Affiliated Clubs against a range of potential exposures at competitively priced rates. 

Features of the policy include

• $20 million in cover
• On land and on water coverage
• Professional Indemnity cover included 
• Marina Liability Coverage can be included
• Member to Member cover included
• Participation in sailing activities cover included
• Tailored enhanced endorsement for watercraft 

Protect your sailing business 

Comprehensive, tailored protection for your sailing club or association. 

Protect your business and your assets. 

Superior cover for your sailing club at a cost-effective price
Just like any commercial enterprise sailing clubs need protection against a range of risks. Network Insurance House will tailor an insurance solution to meet your club’s needs using the collective buying power of Steadfast to get you a great rate. 

We tailor cover to suit your club’s needs however can it may typically include: 

• Property Insurance for the club premise and stored craft 

• Accidental loss or damage on buildings and contents (including docks, wharves and jetties) 

• Burglary - Theft of Club Property 

• Glass - Replacement Costs 

• Business Interruption 

A sound understanding of the sailing industry from an experienced team 

Our research based approach to your sailing business means we will propose the correct level of cover to suit your club. It might be an existing package from one of Steadfast underwriters or we might need to research and explore the insurance market to find the policy that best suits your business. 

Club Management Liability Insurance 

Designed for Sailing Club Directors & Officers 

Management Liability protects the individuals and the Club in relation to the exposures associated with managing a Sailing Club. 

In addition to the covers below, cover for insolvency can be made available following your agreement to fully disclose the Club’s financials. 

The key elements to the cover are as follows: 

Management Liability 

• Individual’s defence costs, damages and settlements. 

• Public relations expenses. 

• Investigation cover (including OHS and pollution). 

Corporate Liability 

• OHS defence and investigation 

• Breach of contract 

• Identity Fraud 

• Crisis Costs 

Employment Practices 

• Employment practices liability for individuals 

• Third Party harassment/discrimination 

Crime Protection 

• Acts occurring prior to and during the policy period which are discovered during the policy period. 

• Extends to employees, third parties and shareholders. 

• Destruction and damage of money or securities. 

• Legal fees and reconstitution costs. 

Statutory Liability 

• Fines and pecuniary penalties against individuals and the company. 

Tax Audit 

• Tax Audit Expenses

Personal Injury Insurance 

Automatic cover for any current financial members of an Australian Sailing affiliated club 

Australian Sailing members 

This Insurance program provides benefits to registered members of Australian Sailing Affiliated Clubs who are injured whilst participating in a sanctioned race, training, or fundraising event.

Automatic Cover 

Cover is Automatic for any financial member of an Australian Sailing Affiliated Club. 

Cover is also extended to: 

• Participants in an accredited Australian Sailing Discover Sailing course (when registered in the national database) for a period of up to 3 months after completion of the course. 

• SailPass holders (on the days registered). 

Cover is not valid if participating at, or on the premises of a non-affiliated club. 

Australian Sailing Summary of Insurance Cover 

Death & Permanent Disablement 

A lump sum benefit is payable in the event of death or a Permanent Disability. The scale of benefits is defined in the policy.
The death benefit is $50,000 and $100,000 for permanent and total disablement. 

Non-Medicare Medical Expenses 

Reimburses up to 100% of Non-Medicare medical expenses up to a maximum of $5,850 subject to a $50 excess. Cover is limited to expenses incurred within 12 months from the date of injury. 

Student Tutorial Costs 

Reimburses up to 80% of costs incurred up to a maximum of $450 per week for home tuition by a qualified tutor if the Injury stops the Insured Person from going to their external tutor outside the home for up to 52 weeks with a 7 day excess period. 

Domestic Help Benefit 

Reimburses up to 80% of costs incurred up to a maximum of $450 per week for a recognised and licensed home help service if the Injury stops the Insured Person from usual and normal duties as a homemaker, sole provider for dependant children such as child-minding, cleaning, cooking, school pick up and drop offs for up to 52 weeks with a 7 day excess period. 

Broken Bones 

We will pay up to $5,000 any one accident. Cover only applies if the event occurs within twelve (12) calendar months of the date of Injury. Please refer to the policy wording and Certificate of Insurance for details of the cover provided and policy limits. 

Dental 

We will pay up to $1,250 any one accident. Cover only applies if the event occurs within twelve (12) calendar months of the date of Injury. Please refer to the policy wording and Certificate of Insurance for more details of the cover provided and policy limits. 

Loss of Income 

Weekly Benefit 85% of pre-Injury Salary, if prevented from working in your Occupation up to a maximum of $450 per week. The benefit period is 52 weeks and the excess is 7 days. 

Funeral Benefit 

We will pay up to an additional $10,000 for funeral expenses in the event of the death of the insured person where the death is covered by this Policy. 

Please note this is a summary of the cover provided and please see the policy schedule and wording for full terms and conditions

Policy Documents 

Policy Schedule. 

Policy Wording. 
Claim Form.

Marine Hull Insurance

Yacht, Sailboat & Cruiser Insurance 

Cover for your sailing craft 

We can refer you to one of Australia’s largest boat insurance providers Club Marine who can offer you insurance protection for your Yacht, Sailboat or Cruiser. They offer protection in the event of a crisis, such as collision, sinking, fire, storm or theft. 

You may be able to tailor your policy to suit your individual boating needs.

Off The Beach Dinghies 

We are pleased to confirm we have entered into partnership with one of Australia’s most progressive and largest boat insurers Club Marine to deliver an insurance package for owners and sailors of “Off The Beach Dinghies”. 

This cover is applicable to trailerable, non-powered sail boats launched off the beach. 

“Off The Beach Dinghy” cover offering is now provided by Club Marine, an Australian insurance agency underwritten by one of Australia’s largest general insurers, Allianz Australia Insurance Ltd. Club Marine actively supports more than 100 yacht clubs, fishing tournaments, boat shows, regattas and volunteer marine groups. 

Club Marine offer an insurance package for “Off The Beach Dinghy” owners which has features which may suit your boating needs. 

Features and benefits 

• Sailboat racing cover up to 100NM race length 

• Australia wide coverage 

• Australia wide transit cover for boats designed to be transported on own trailer 

• Up to $10 Million legal liability cover arising from the use of the boat 

• 24/7 emergency claims service