Established in 2004, CommunityGuard is a group insurance scheme established for the benefit of community learning organisations and other not-for-profit community groups.

It's important to protect your organisation and your employees. Unfortunately, not-for-profit groups are just as susceptible to insurance claims as any other business. Whether it be for property damage, a disgruntled employee or an injured third-party, not-for-profits are not immune to legal and financial risks.

The Key Insurance Classes of the Tailored Insurance Scheme are:

1) Public and Products Liability

Public Liability Insurance protects you and your business against the financial risks of being found liable for a third party death or injury, loss or damage to property or economic loss resulting from your negligence.A Public Liability Insurance policy will typically cover you for:

Legal representation costs incurred during the settlement of a claim
Injury or damage to a third party caused by your business' activities
Damage caused by your business to someone else's property
Loss and damage of goods

2) Property & Business Interruption

This type of insurance covers Material Loss or Damage and Business Interruption.

Section 1 - Material Loss or Damage. Physical loss or destruction of or damage to the property insured, caused by a peril not excluded.
Section 2 - Business Interruption. Loss resulting from interruption to the business consequent upon physical loss or destruction of or damage to property used by the Insured by a peril not excluded.

3) Association Liability Insurance

Association Liability Insurance provides cover for Civil Liability Professional Indemnity, Office Bearer' Liability and Association reimbursement, Association Liability, Employment Practices Liability, Crime, Tax Audit and Legal Consultation.

4) Personal Accident Insurance

Personal Accident Insurance covers all voluntary workers of the Insured, students attending work experience, all employees and staff of the Insured. It also provides death and capital benefits and weekly injury benefits.

5) Cyber Insurance

There are two main policy types/extensions we recommend to businesses and organisations looking to arrange Cyber Insurance. These are:

Cyber Crime Insurance (or Cyber Crime Policy Extension) - provides cover for theft of money as a result of a cybercrime event, for example social engineering fraud, phishing, phreaking or other forms of cyber fraud involving loss of money.
Cyber Liability and Privacy Protection Insurance - provides cover for:
- First Party (own) costs and expenses (excluding theft of money) as a result of a cyber event, or breach of privacy, as defined by the Insurers policy wording.
- Fines and penalties incurred as a result of a Cyber event, or breach of privacy, as defined by the Insurers policy wording.
- Business Interruption/Consequential Loss (excluding theft of money) as a result of a cyber event, or breach of privacy, as defined by the Insurers policy wording.
- Third Party costs and expenses (excluding theft of money) as a result of a cyber event, or breach of privacy as defined by the Insurers policy wording.

6) Motor Fleet Insurance

Motor Fleet Insurance provides comprehensive protection for organisations managing multiple vehicles, helping to safeguard against financial loss from accidents, theft, or damage. Whether you operate a small company fleet or a large commercial vehicle network, having the right business car insurance ensures your vehicles and drivers are covered.

A Commercial Motor Insurance policy can typically include:

Comprehensive insurance
Fire, theft and third-party property damage
Third-party property damage only

There are also additional benefits that can be tailored specifically for your business including automatic additions and deletions, sign writing, greater driver flexibility and higher legal liability limits.

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Benefits of a Group Insurance Scheme

A group insurance scheme offers several benefits, especially for organisations like not-for-profits and community groups. Here are some key advantages:

The ability to leverage competitive premiums without the need to compromise on quality
Insurance policies specifically tailored to meet the specific needs of members which eliminates paying for unnecessary cover
Provides an additional membership benefit for your organisation/group
Combined claims history helps to lower risk to the insurer and therefore assists in lowering premiums
Professional advice with a dedicated and knowledgeable insurance broker who knows your industry and can give you feedback on insurance-related matters
Direct broker support for your members, reducing the number of insurance-related enquiries to the group/association
Ease of access where members can make annual declarations and access insurance information, policies, certificates of currency and schedules through a password protected portal

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Your Service Team

Your servicing broker can assist with insurance quotations, policy administration and risk advice throughout the year.

Should a claim arise, our experienced in-house claims team can provide advice and assistance with the lodgement of your claim. To make a claim or enquire about the status of your claim, please email claims@gsaib.com.au.

For any other enquiries, please contact our office on (02) 8274 8100. We have a wealth of experience in our team and will gladly put you through to someone who can assist.