Association Liability Insurance

Protecting small to medium-sized associations, charities or not-for-profit organisations across Australia.

At Upcover, we offer comprehensive Association Liability insurance tailored to protect associations, charities or not-for-profit organisations in Australia.

This coverage safeguards your organisation against potential risks arising from the decisions and actions of directors, officers, and managers. These risks include employment disputes, investigations by regulatory bodies, tax audits, financial crimes, statutory liability, and potential breaches of law.

As a small to medium-sized organisation owner, it's crucial to acknowledge the legal and regulatory risks associated with your operations. Violations of regulations can lead to hefty fines from government or industry regulatory bodies, which could be detrimental to your organisation's financial health. Additionally, the cost of litigation defence can be crippling to an otherwise profitable association.

Association Liability Insurance for associations, charities or not-for-profit organisations offers limits of up to $20m, plus reinstatements, making it a perfect fit for all types of associations, charities or not-for-profit organisations in Australia.

Why choose upcover for association liability insurance?

upcover’s got your back with association liability cover!

At upcover we understand the trauma of going through a complaint, responding to a legal proceeding investigation or being the victim of a financial crime. The association liability insurance for associations, charities or not-for-profit organisations aims at working as a safety net to minimise your out-of-pocket expenses, in paying legal bills, responding to or even settling a dispute - so you don’t have to lose focus on running your organisation, or part with your hard-earned savings.

Why is management liability insurance important for sole traders and partnerships?

Are you aware that there are more than 57,000 charities and not-for-profit organizations registered with the Australian Charities and Not-for-profits Commission (ACNC) in Australia? Despite this large number, only a small percentage of these entities seem to invest in Association Liability insurance, according to statistics released by APRA. The risks associated with managing an incorporated association, not-for-profit, or charity are similar to those of a private organisation, yet many organizations fail to purchase Association Liability insurance. However, there's no reason for these uninsured risks to persist.

Association Liability insurance is important for associations, charities or not-for-profit organisations because it offers coverage for risks and exposures that arise from the decisions and actions of directors, officers, and managers while conducting organisation. These risks could include allegations of discrimination, harassment, wrongful termination, breach of contract, and even negligence.
If a claim is made against a organisation's management team, the cost of legal fees and settlements can be significant, and without the right insurance coverage, the financial consequences can be devastating to the organisation's financial health.
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Association Liability insurance for associations, charities or not-for-profit organisations also provides protection against lawsuits and regulatory investigations, which can otherwise lead to substantial penalties, fines, and damage to the organisation's reputation. Therefore, having Association Liability insurance is essential for associations, charities or not-for-profit organisations to mitigate the risks associated with their operations and protect their financial assets and reputation.