The Garden Clubs of Australia Inc’s Insurance Page


Does your Club need to recharge your Insurance for 2020/2021? Download and read the 2020 Form 2 Insurance 2020_2021 and complete the enclosed form ASAP.
A very competitive and favourable insurance policy under The Garden Clubs of Australia Inc’s Master Insurance Scheme is available to affiliated member clubs. The insurance Scheme offers Public Liability, Product Liability and Accident Insurance for its members, and is legal and effective across all Australian States and Territories.
Your application for an affiliated membership will be processed quickly.
Once the Affiliation fee is paid, Insurance cover will be provided immediately the Insurance fee has been paid. An interim fee is calculated on the period you join the Insurance cover until April of that year.
A Certificate of Cover will be sent by email.
Renewal will be from April each year for 12 months respectively.
Certificates are sent to the respective Insured members by email only.
If a mailed copy is requested, the Insurance Officer must be contacted directly to discuss your situation and an extra fee will be levied.

Insurance Officer

Our Insurance Officer can be contacted for further details, email Greg Lane or telephone 0459 782 630.

Insurance Certificate

If you have not received your insurance certificate please advise the Insurance Officer so that a replacement can be supplied by email.
Replacement Insurance Certificates as a paper copy will be provided at a cost of $25.00 including postal charges.
Enquiries to GCA Insurance Officer Greg Lane, Email

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.

Cover of Insurance Notices

No Certificates of Cover for Insurance will be posted.
All Certificates of Cover will be emailed. to the current Secretary of your gardening organisation as listed in The Garden Clubs of Australia Inc’s database.
Please ensure your email details are up-to-date with our Membership Secretary.

Further Questions:

Do you have any questions concerning Insurance Cover?
Should answers to your Insurance related questions not be satisfied in the Q&A section on this Page, send an email to our: Insurance Officer or telephone Greg Lane on 0459 782 630

Change of address Notification

It is also very important that you notify any change of postal address.
An administrative fee of $25 for a replacement Insurance document, will be levied if notification of change of address, prior to April 1 of the current year’s Insurance document was not provided.
Thank you for your support and the request for our Insurance cover for your affiliated group.