Provincial Union | Club Liability

Gallagher's NZ Liability Insurance programme is arranged by New Zealand Rugby to provide all rugby clubs and provincial unions with a broad level of legal liability protection. 

Policy Period Coverage runs from 31 December 2024 (4pm) to 31 December 2025 (4pm NZLT).

All rugby clubs and provincial unions affiliated with New Zealand Rugby qualify for coverage.

What is covered?

Public/General Liability

This is the most common form of liability insurance, protecting clubs from legal liability to third parties for personal injury or property damage connected to their business activities. Coverage extends to clubroom ownership or leasing and other facilities.

Employers Liability

Protects against employee injury claims that fall outside the Accident Rehabilitation and Compensation Act 1992. Changes to ACC legislation means that employers have increased exposure to claims made by employees for damages as a result of injuries sustained in the workplace.

Statutory Liability

Covers defence costs and penalties (fines) from unintentional breaches (or alleged breaches) of specified Acts of Parliament related to club activities. Coverage applies only where statute allows, excluding deliberate or reckless non-compliance.

Directors and Officers Liability

This covers directors, officers, employees and committee members of the club (and the club itself) for legal liability which arises from any wrongful act committed (or alleged) in the discharge of their duties on behalf of the club. Wrongful acts can include breach of trust, breach of duty, neglect or error.

Employment Disputes

Covers costs, including defence costs, for any claims against an employer (the club) for wrongful acts against an employee. Insurers must be notified as soon as a personal grievance is raised.

Claims made

The policy will not provide cover for any of the following:

• Prior events before 1 April 2006.
• Claims made after the expiry of the policy period, even if the event causing the loss/claim may have occurred during the policy period
• Any known circumstance/claim at commencement of the policy period
• Any facts or circumstances known to have potential to give rise to a claim at commencement of the policy period

Policy Document

Download a Certificate of Insurance, which can be used as evidence of cover. Please note that this links to the policy wording which details the cover provided including the applicable policy conditions & exclusions.

What if our club needs additional liability insurance cover?

The Club Liability Insurance programme addresses the requirements of the vast majority of New Zealand rugby clubs and provincial unions, meaning most individual clubs and unions won't need to arrange separate liability insurance.

However, if the limits of cover are not enough for your club or union (especially for larger clubs or unions with substantial assets or other business activities) then separate or higher cover may be needed. 

What about property insurance for our club?

Insurance cover for club or union property such as buildings, contents, stock, equipment or money is not currently available via this facility.

Gallagher can assist clubs and Provincial Unions with their insurance needs on an individual basis.