The Garden Clubs of Australia Inc’s Insurance

Introduction

Affiliated member clubs have access to comprehensive and competitive insurance policies under The Garden Clubs of Australia Inc’s Master Insurance Scheme.

The Insurance Scheme offers the following policies for an Affiliate’s members;

• Public and Products Liability

• Personal Accident Insurance

These policies are effective Australia wide.

The Insurance Certificate of Currency provides your Affiliated Club’s members coverage from 30th April each year for 12 months to the 30th April the following year.

Please refer to the Summary of Covers information sheet for a summary of each of these policies.

Public & Products Liability

This policy indemnifies The Garden Clubs of Australia and all affiliated Clubs against negligence claims bought against them by third parties for personal injury or property damage as a direct result of the clubs’ activities.

The policy extends to include property owners cover in respect of open gardens held at a member’s home, where the property owners’ home insurance policy does not provide cover, because of the insured activity, whether or not a fee is charged. Subject to the property owner being a member of an affiliated club.

For full information on this policy, please refer to the following documents;

Broadform Liability Insurance Master Policy Wording

Client Schedule of Insurance

Personal Accident – Voluntary Workers

The policy provides benefits in the event of death, incapacity of a member, resulting from an accident whilst the member is engaged in voluntary work on behalf of their Club, including direct uninterrupted travel to & from such activities.

For full information on this policy, please refer to the following documents;

• DUAL Voluntary Workers Personal Accident Insurance PDS & Policy Wording

• Client Schedule of Insurance

How to Opt-in to the Master Insurance Scheme

To opt-in to the Master Insurance Scheme each club must complete the Insurance Application Form found below;

Insurance Application/Renewal Form – Form 2

Mail or email completed form to:

insurance@gardenclubs.org.au

Insurance Officer, The Garden Clubs of Australia Inc

27 Westmorland Drive

LEEMING WA 6149

Insurance Renewal

The Master Insurance Scheme renewal each year on the 30th April.

Each Affiliate club is to provide an updated GCA Insurance Form 2 by the 10th February plus the GCA Form 4 if any contact details have changed.

GCA Insurance Application/Renewal – Form 2

GCA Change of Contact Details – Form 4

An account for the insurance period, April 30 – 29 April is emailed to your club secretary/contact person after renewal.

Certificate of Currency

Payment is directly debited each April before a current Certificate of Currency is emailed to the Group’s main contact.

Please keep your Certificate of Currency as there is a $20 processing fee for replacements.

If you need a replacement Certificate of Currency, please complete the below form.

GCA Request for Replacement of Insurance Certificate of Currency – Form 5

No Certificates of Cover for Insurance (Certificate of Currency) will be posted.

All Certificates of Cover will be emailed to the current Contact of your gardening organisation as listed in The Garden Clubs of Australia Inc’s database. Please keep multiple copies in separate secure folders with the Secretary, Treasurer and/or President.

Please ensure your email details are up-to-date with our Membership Secretary.

How to Report an Incident

To report an incident, clubs are to complete the following form and return to GCA.

Incident Report Form

Other Important Insurance Documents

Trident Insurance Group Pty Ltd (ABN 81 066 347 224), is The Garden Clubs of Australia Inc’s insurance broker who holds an Australian Financial Services Licence (AFSLN 237360) which authorises them to provide financial product advice in relation to general insurance products.

Please read Trident’s Financial Services Guide (FSG), as its purpose is to help you decide whether to use the financial services they provide. It outlines the types of services they offer, as well as explains how they are remunerated for these services.

If you have a complaint about the products or services that Trident has provided, please refer to their Complaints Procedure.

Association Liability Insurance download

Privacy Policy download

Insurance 2 Trident Underwriting Broadform Liability Insurance download

Policy Schedule Voluntary Workers download

Insurance Officer

Our Insurance Officer, Eric Bateman can be contacted for further details, email telephone 0424 430 844.

Frequently Asked Insurance Questions That Make it Easy to Provide answers to Your Group

When you enter any contract you must make sure you understand the terms and conditions. Many contracts will contain an insurance section and or indemnity conditions. Never sign a contract that either imposes additional liability on your Garden Club or limits liability upon others. You will breach the Garden Clubs policy terms and conditions. Always seek professional legal advice before entering into any contract.

No. Group Personal Accident & Public / Products Liability are the only Insurance policies.

You will need to complete an Event Form and forward to Trident Broking. There may be an extra premium charged for these events. Please note, when estimating your number of attendees do not include the members attending from the hosting club.

Due to the amount of attendee’s, the risk of an incident occurring becomes greater, the more people, the higher the risk.

The Public/Products Liability policy will cover the liability associated with the display. Be mindful that Shopping Centres may ask to have a contract signed to allow the use of their premises. Refer to question 1.

Provided it is a GCA &/or an Affiliated Club Show, the Public/Products Liability policy will cover the liability associated with the exhibition.

No, The GCA’s policies have a common annual due date which is 30th April each year.

No. Each year you are asked to declare you member numbers in December. Once declared, the premium is based on that declaration for the year even though your membership may increase or decrease during the year.

“Garden Clubs of Australia is not offering blanket Directors and Officers Insurance protection owing to the complex nature of the application and the limited number of clubs that have expressed interest”
We have however secured detail of suitable coverage through our brokers, Trident and the product information sheet show here explains the coverage provided.
There is also an information sheet at Trident forms here which is detailed and should be forwarded to Belinda Caunt whose contact details are on the Information sheet.
Should you prefer you can arrange similar insurance coverage through your own contacts.

The activities of the GCA have been described to the Insurer as: To extend knowledge throughout the community of gardening, horticulture and its uses, and garden design; To promote and encourage various aspects of community based horticulture activities; To educate the public in the protection and conservation of our natural resources; To contribute to, encourage and participate in activities assisting Botanic Gardens and other like-minded horticultural institutions; To develop and co-ordinate the education of affiliated members of GCA and like minded organisations; To co-operate with other agencies to further the interests of horticulture and conservation; To promote and encourage areas of floral art; To encourage assistance to charities; To be non-political and non-sectarian in all undertakings.

It provides legal liability coverage associated with the sale of goods.

No. This is a group policy and coverage cannot be altered for one individual club.

Yes. Public / Product Liability has a $500 excess for each and every claim or series of claims arising from the one occurrence. The Personal Accident policy has a $50 excess for all medical expenses claims.

They are not covered by the Group Personal Accident policy as this is for members only. However should a guest be injured as a result of an accident at a GCA function, and which is due to the Garden Club’s negligence, then the club would seek protection from the Public/Products Liability policy from this action.

Yes the Group Personal Accident has an age limit of 100 years. Refer to the policy schedule for limitations and restrictions on cover.

No. In terms of the definition of The Insured on the GCA insurance policies, all Clubs wishing to be insured should be DIRECTLY affiliated to the GCA and not form part of a group that does not exercise active management or control, as provided for under the Corporations Law, over them.

The voluntary members personal accident only provides cover to those who are working in a voluntary capacity for the club. 

This policy does not have a minimum age, however the benefits payable to insured persons under eighteen (18) years of age for Section 1 – Lump Sum insured event 1 will be limited to $25,000.

Association Liability

Trident Insurance Group can also arrange an Association Liability policy for The Garden Clubs Australia Inc’s Affiliate members.

Association Liability cover is not provided/included within the policies arranged by the Garden Clubs of Australian. If you wish to receive a quote and/or discuss this cover in further detail contact Trident Insurance Group directly on (08) 9202 8000 or email info@tridentinsurance.com.au.

Association Liability Insurance is a combined policy specifically designed for associations and nonprofit organisations. Over the years there has been increase in the number of associations and non profit organisations created to meet a wide variety of community needs.

Despite best intentions, many of these organisations and their officers have found themselves at risk of expensive litigation arising from the provision of services to their members or to the public. Due to the increased risk of litigation against associations, non profit organisations and their officers, increased litigation costs and corporate governance requirements, Insureds cannot take the risk of operating without the security of property cover.

The policy provides protection to the individual office bearers and the association against wrongful acts in the management of the association, employment practices liability and fidelity. In addition the policy also provides coverage to the association against claims for financial loss arising out of a breach of professional duty by the association.

Association Liability Flyer

Event Proposal Document

Disclaimer:

We advise that the above information does not take into consideration your personal circumstances, specific objectives or needs and The Garden Clubs of Australia are not authorised to provide you financial advice. Please consider the Policy Wordings and Financial Services Guide before deciding if these products are right for you. If you have any queries or would like financial advice, please contact Trident Insurance Group on (08) 9202 8000