Gallagher has been providing specialist insurance and risk management solutions to the sporting industry for more than 30 years. We're proud to support all levels of sporting participation from grassroots through to the elite professional level.

Our expert brokers have worked alongside Rugby Australia to deliver an insights-led approach to rugby risk mitigation, be it for whole of game insurance programs or bespoke insurance solutions for elite and representative players. Gallagher's data and insights about injury trends and risk exposure have helped shape our risk management policies.

What does a Rugby Australia insurance program cover?

Gallagher is the appointed insurance broker to Rugby Australia Limited.

Our specialist brokers at Gallagher have partnered with Rugby Australia to tailor an insurance program encompassing Public and Professional Liability, Professional Indemnity, Personal Injury and Club Management Liability coverage.

Under this program, referred to as the National Risk Management and Insurance Program, Rugby Australia Limited and its members and affiliate members, including member clubs and associations of the various state members, registered players, coaches, trainers, managers, administrators, voluntary workers and/or selectors are covered.

The Rugby Australia program does not include Golden Oldies and school rugby unless specifically extended.

This group policy provides basic cover for registered players, coaches, officials and others stated as covered who suffer injuries arising out of participation in sanctioned rugby competitions and rugby events that are referred to in the policy.

Cover also extends to:

  • Organised training
  • Travelling between home / work and training or games
  • Staying away from home for a tour
  • Administrative and social activities of the insured Club / Union.


  1. Capital Benefits — A lump sum benefit for permanent injuries, payable based on a table of events available in the full policy wording.
  2. Weekly Benefits — Loss of Income cover to a maximum of $300/week for the period that the Insured Person is wholly unable to work due to the rugby injury (excludes 28 day excess period).
  3. Non-Medicare Medical Benefits — Reimbursement of medical expenses to a maximum of $3,000 -excluding any medical costs covered wholly or partly by Medicare ($100 excess).

Other benefits

Additional benefits available under the Personal Injury Insurance policy include expenses that may be incurred as a result of a rugby injury including:

  • Funeral Expenses
  • Parents Inconvenience Travel and Accommodation

For further information, please refer to the Insurance Program Quick Guide or contact the Gallagher Sport team.

The Public & Products Liability Insurance group policy provides protection for clubs and associations should something go wrong involving a third party. Claims of personal injury or property damage that a third party suffers (or claims to have suffered) can be incredibly expensive. Even if the club or association is not at fault, your club or association may still incur considerable legal costs defending any claim. Public Liability insurance safeguards your club or association by providing protection against such losses and claims.

"Loss" includes, but is not limited to:

  • Damages
  • Judgments
  • Settlements
  • Costs
  • Defence Costs

Cover applies to liabilities arising out of, and in connection with, sanctioned rugby competitions and rugby events that are referred to in the policy, and includes all official activities connected with the sport of Rugby including club social, and fundraising activities.

A Loss must arise out of an insured's "Sporting Activities", which under the policy means —

  • The activities of a club, association, or other insured entity playing or administering Rugby.
  • It includes all official activities connected with the sport including club social and fund raising activities.
  • It does not include the activities of a "Licensed Club", which means a commercial premises with a liquor licence used by members and guests. A clubhouse or sports pavilion with a liquor licence will not be deemed a licensed club.
  • It includes the hiring or leasing out of club premises to a third party subject to the conditions outlined here.

Policy Limit:

  • Public Liability: $20,000,000 any one occurrence
  • Product Liability: $20,000,000 any one occurrence and in the aggregate

Excess: $1,000 each and every occurrence

For further information, please refer to the Insurance Program Quick Guide or contact the Gallagher Sport team.

The Professional Indemnity Insurance group policy covers Rugby Australia accredited coaches and officials against legal and associated costs that may arise in the case of an accusation of negligent acts, errors or omissions.

This policy excludes claims arising from a player against a player however persons coaching, refereeing, officiating or supervising Rugby or training for Rugby are afforded coverage under this section for actions taken against them by players. This includes "Medical Officers" defined as any person providing medical assistance or service, including but not limited to paramedics, ambulance officers, nurses, or suitably qualified volunteers.

Policy Limit

  • Professional Indemnity - $10,000,000 any one occurrence an in the aggregate

Excess: $1,000 each and every occurrence

Please note: the Professional Indemnity policy is a claims made policy. This means that the policy indemnifies for claims first made against you and notified to the Insurer during the period of insurance. It is therefore extremely important that notification is given immediately to the Gallagher Sport team or the Insurer as soon as you are aware of any circumstance that may lead to a claim.

For further information, please refer to the Insurance Program Quick Guide or contact the Gallagher Sport team.

The Management Liability Insurance group policy covers the insured Club / Union and their officers for claims against them for alleged Wrongful Acts whilst acting for or on behalf of the Club / Union.

Policy Limit

  • Directors & Officers Liability - $10,000,000 in the aggregate
  • Employment Practices Liability - $10,000,000 in the aggregate
  • Statutory Liability - $50,000 in the aggregate
  • Crime Coverage - $100,000
  • Cyber Coverage (Media Liability) - $10,000 in the aggregate


  • Directors & Officers Liability - Nil Employment Practices Liability - $10,000
  • Crime - $5,000
  • Statutory Liability - $5,000 Cyber (Media Liability) - $1,000

For further information, please refer to the Insurance Program Quick Guide or contact the Gallagher Sport team.

1 Details about Rugby Australia's National Risk Management and Insurance Program are set out on the Rugby Australia website at

1 Details about Rugby Australia's National Risk Management and Insurance Program are set out on the Rugby Australia website at

Additional coverages available

Property Insurance provides cover for your clubhouse and equipment. We can arrange tailored insurance for risks commonly faced by clubs. Common coverage requests include:

  • Buildings (Owned and/or under lease, hire or contractual arrangements)
  • Sporting clubhouses
  • Grandstands
  • Garages and equipment sheds
  • Removal of debris following a claim
  • Club plant, machinery, contents and stock
  • Uniforms/training kits
  • Stock (including merchandise, canteen supplies)
  • Sporting equipment
  • Furniture
  • Office equipment and computers
  • Ground maintenance and line marking equipment
  • High valued medical equipment (excluding consumables)
  • Property and tools of directors and employees
  • Electronic equipment

Please speak to the Gallagher Sports team for more information.

For events and matches outside the approved competition, capacity exists to extend cover to special events on a one off or short term basis.

Insurance coverage can be arranged for the event organiser under the National Rugby Insurance Injury and Liability Insurance plan for Rugby Union events, tournaments, and matches that fall outside of the regular annual Rugby Australia competition pre-season trials, inter association and/or other representative matches/programs.

  1. The application for insurance cover is subject to the event being sanctioned by Rugby Australia, via the relevant Member Union have the authority to sanction events, tournaments and matches which are conducted within their respective jurisdictions).
  2. To apply for Special Events insurance please click on the relevant section below applying to the (to you, your club, body or group) event organiser for next steps;

To apply for Special Events insurance please speak to the Gallagher Sports team.

For teams travelling overseas on rugby tours, it is recommended that players, coaches and officials consider taking out travel insurance. Travel Insurance policies typically provide medical expense coverage as well as cover for baggage, money, loss of deposits, cancellation of travel, emergency assistance and repatriation. When purchasing travel insurance, it is important the policy does not exclude injuries arising from training or playing rugby.

Please speak to the Gallagher Sports team for more information.

Special consideration should be given with regards to players who are not residents of Australia and playing for your club. Although they will be eligible for claims under the Non-Medicare Medical Expense section of the Rugby Australia insurance program, they may not be covered (depending on their individual circumstances) under Medicare, potentially leading to uninsured and/or non recoverable medical expenses.

Overseas players not entitled to Medicare should consider appropriate travel insurance before travelling to Australia or take-out private health insurance whilst in Australia tailored for non-residents. Some of the Private Health Funds offer cover for overseas residents, information can be found on their websites.

Please speak to the Gallagher Sports team for more information.

Benefits for Rugby Australia members

  • Peace of Mind — knowing that basic insurance coverage is in place allowing you to focus on your passion for rugby without unnecessary worries about potential financial liabilities.
  • Tailored Solutions — we partner with Rugby Australia to tailor insurance solutions that align with the unique needs of the rugby community.
  • Inclusivity — the insurance policies include coverage for facets of rugby in Australia including participation, promotion and organisation.
  • Claims Support — in the event of a claim, our claims experts will guide and support you through the claims process.

Certificate of Currency

Make a Claim

If you wish to make a claim or notify an incident for Public Liability, Professional Indemnity or Management Liability, please contact Gallagher Sports Team.

To submit a claim under the Personal Injury Insurance policy, follow the steps below:


1 Complete the Rugby Australia Injury Report form and select 'Yes' to Make Insurance Claim. Please note players participating in Golden Oldies or School based competitions are not eligible to make an insurance claim.


Confirmation of your injury report form submission will be sent via email to the relevant Club/School/Union/Event contact.


SLE (The Insurer / Claims Manager)2 will provide instructions on how to complete the claim lodgement to the player or other person whose email address is noted in the Injury Report form.


SLE (The Insurer / Claims Manager) will contact you for more information if necessary. Depending on the nature of the claim, this may include:

  • Club Secretary Declaration
  • Employer Declaration
  • Medical Certificate(s)


If your claim is approved, Payment or Payments will be made via EFT to your nominated bank account.

Get started

2 Where the aggregate policy deductible in the Personal Injury policy applies claims are managed by the Insurer (SLE) for Rugby Australia.

Related information

The following documents are provided for ease of reference and include important information regarding the Personal Injury Insurance within the Rugby Australia group insurance policy. We encourage all insured parties to download and review them.