U3A Sunshine Coast Inc. have three separate Insurance policies:

1.Association Liability – limit $5 million, covering the following ..

• Association Liability Insurance to protect the organisation against the threat of litigation.
• Directors/office-bearers, management or committee members (including spouses);
• Professional indemnity insurance covers tutors for claims relating to breaches in professional duty;( not sports tutors)
• Policy extensions include Occupational Health and Safety, Defamation, Fidelity ( loss of funds) Fraud and Dishonesty, and loss of Documents.

2. “Sports” Insurance – a special cover for tutors of physical activities
This sports insurance covers  coaches, trainers, instructors, referees, umpires, officials, first-aid personnel with indemnity to the insured for legal liability claims made during the period of insurance arising from a breach of professional duty, errors or omissions in connections with the sport .
$1 million max for any one claim.

3.Volunteers Accident Insurance: this is a special accident insurance to cover our volunteers whilst working in the office or other related volunteering work – there is a $50 000 limit for any one accident and limits for particular injuries.

Note that we do not cover all members in our policies – only volunteers, tutors and office-bearers.

Note : This information is of general nature only . Specific conditions about any of these policies are available in documents held in the U3A Office.

Print (pdf) a simple explanation of our insurance.