Insurance for Not-For-Profit Community Organisations

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

In March 2026, GSA Insurance Brokers acquired CoverForce Insurance Brokers and has since assumed responsibility for the ongoing management and servicing of the CommunityGuard scheme. GSA Insurance Brokers brings extensive experience in the not‑for‑profit and education sectors and is committed to maintaining and enhancing the quality, competitiveness, and service standards of CommunityGuard for all participating organisations.

Protecting your organisation, students, staff, and volunteers is essential. Community learning and not‑for‑profit organisations often operate in complex environments involving public access, vulnerable cohorts, volunteer engagement, and strict governance obligations. Whether the risk arises from property damage, workplace or volunteer incidents, safeguarding concerns, or injury to a third party, appropriate insurance protection plays a critical role in protecting your operations, reputation, and long‑term sustainability.

Key Insurance Classes Included in the CommunityGuard Scheme

1) Industrial Special Risks

This cover protects your organisation’s physical assets and financial stability following an insured event.

• Section 1 – Material Loss or Damage
  Covers physical loss, destruction of, or damage to insured property caused by an insured peril.
• Section 2 – Business Interruption
  Covers financial loss resulting from disruption to your operations following insured property damage, including loss of income and increased costs of working.

2) Public & Products Liability Insurance

Public Liability Insurance protects your organisation against claims arising from third‑party injury, death, property damage, or economic loss resulting from negligence in connection with your activities.

Cover typically includes:

• Legal defence and representation costs
• Injury to third parties arising from your operations
• Damage to third-party property
• Loss or damage involving goods
• Products liability exposure (where applicable)

Sexual Abuse Liability

Sexual Abuse cover can be added to the Public & Products Liability policy by endorsement, subject to insurer terms. The inclusion of this cover requires:

• A fully completed Sexual Abuse Questionnaire, and
• Submission of the organisation's Safeguarding Policies and Procedures, which must be reviewed and accepted by the insurer.

The availability, terms, conditions, and limits of Sexual Abuse cover are subject to insurer underwriting requirements and ongoing compliance with approved safeguarding practices.

3) Association Liability Insurance

Association Liability Insurance protects the organisation and its office holders against management and governance‑related risks, including:

• Professional Indemnity
• Office Bearers' / Directors & Officers Liability
• Association Reimbursement
• Employment Practices Liability
• Crime
• Tax Audit
• Legal Consultation Costs

This cover is particularly important for board members, executives and senior staff acting in good faith.

4) Personal Accident Insurance

Personal Accident Insurance provides benefits for:

• Employees and staff
• Voluntary workers
• Students undertaking work experience

The cover includes death and capital benefits as well as weekly injury benefits arising from accidental injury.

5) Cyber Insurance

Cyber risk continues to increase across the not‑for‑profit and education sectors. CommunityGuard supports cyber risk management through the following covers:.

Cyber Liability & Privacy Protection Insurance

Provides cover for:

• First-party response costs (excluding theft of money)
• Fines and penalties where insurable by law
• Business interruption and consequential loss
• Third-party liability arising from cyber events or privacy breaches

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Benefits of a Group Insurance Scheme

Participation in the CommunityGuard group insurance scheme offers several key advantages:

• Competitive premiums achieved through collective buying power
• Insurance solutions tailored specifically to the need of community and not-for-profit organisations
• Elimination of unnecessary or irrelevant cover
• Combined claims experience reducing insurer risk and supporting premium efficiency
• Access to professional advice from brokers with strong sector knowledge
• Direct broker support for members, reducing administrative burden

While the CommunityGuard Scheme offers agreed policies for Industrial Special Risks (Property & Business Interruption), General Liability, Association Liability, Group Personal Accident, and Cyber Insurance, GSA Insurance Brokers is a full‑service general insurance broker.

In addition to the scheme policies, we can quote, place, and manage all other lines of general insurance to support your organisation’s broader risk management needs. This includes, but is not limited to:

• Motor Fleet Insurance
• Corporate Travel Insurance
• Management Liability (outside the scheme where required)
• Accident & Health
• Other tailored insurance solutions specific to your operations

This holistic approach allows us to support your organisation across its entire insurance portfolio, ensuring cover is aligned, appropriate, and efficiently managed under one trusted advisory partner.

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Your Service Team

Under the management of GSA Insurance Brokers, CommunityGuard members are supported throughout the year with:

• Insurance quotations and renewals
• Policy administration and adjustments
• Ongoing risk advice and support

For all enquiries relating to CommunityGuard, your insurance programme, or renewal discussions, please contact:

Rachel Harvey
Senior Client Manager
0436 275 828
rachelh@gsaib.com.au

In the event of a claim, our experienced in‑house claims team is available to provide guidance and assistance from lodgement through to resolution.

Claims enquiries: claims@gsaib.com.au