Insurance Information

Through the Regional Arts Victoria Membership Program, our Individual and Organisation Members have access to heavily discounted insurance offerings.

Insurance for Individual Members

Regional Arts Victoria offers General Liability insurance to Individual Members. The cost is $180 in addition to the $60 annual membership fee – total $240 annually. RAV takes out two insurance policies on behalf of Members with a combined total liability cover of $30M. (One General Liability Insurance policy wording is available here and you can find the other one here)

Insurance for Organisation Members

Regional Arts Victoria offers three insurance policies to Organisation Members:

1. Association Liability Insurance (Read the Association Liability Insurance policy wording here)
   
2. Personal Accident Insurance for Volunteer Workers (Read the Volunteer Workers Insurance policy wording here)
   
3. OPTIONAL General Liability Insurance RAV takes out two insurance policies on behalf of Members with a combined total liability cover of $30M. (One General Liability Insurance policy wording is available here and you can find the other one here)

The fee for optional Combined Liability Insurance, in addition to Organisation Membership, is calculated according to the Gross Annual Income of the organisation, as per the table below.

GROSS ANNUAL INCOME (from all sources, including grants)	MAXIMUM CL INSURANCE FEE	TOTAL COST
Up to $5,000	$250	$500
$5,001 to $10,000	$400	$650
$10,001 to $20,000	$600	$850
$20,001 to $50,000	$900	$1,150
$50,001 to $100,000	$1,200	$1,450
$100,001 to $200,000	$2,000	$2,250
Over $200,000	$3,500	$3,750

Contact

Regional Arts Victoria is not authorised to provide insurance advice. If your question about insurance is not answered below, all questions regarding insurance policies should be directed to:

Anne Buckley Senior Account Executive, Gallagher
Email: [email protected]
Direct: 07 3002 3043
Mobile: 0457 718 942

To obtain a copy of your insurance certificates, or to follow up on the status of your application, please contact us on 1300 882 531 (Press 1 for Membership) or [email protected]

The below are frequently asked questions about the insurance offered as part of Regional Arts Victoria Membership. If you have questions about our membership program, please read our Membership Information & FAQ here.

Insurance FAQs

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Insurance Types

What is General Liability Insurance?

General liability insurance offers protection to you, your company and employees for claims involving bodily injury and property damage resulting from your products, services or operations. Coverage extends to insure third parties i.e., members of the public, if they seek compensation for your legal liability (negligence). This policy excludes pure financial
loss.

This policy is endorsed to cover:

• Products liability
  • The Insured is indemnified by this Section in accordance with the Operative Clause for and/or arising out of accidental Injury, Damage or Advertising Liability occurring during the Period of Insurance and arising out of or in connection with any Product. ‘Product’ means any tangible property after it has left the custody or control of the Insured which has been designed, specified, formulated manufactured, constructed, installed, sold, supplied, distributed, treated, serviced, altered or repaired by or on behalf of the Insured.
• Professional liability
  • The rendering of or failure to render professional advice or service by the insured or any error or omission connected there with subject to policy conditions and exclusions
  • Liability arising out of the rendering or failure to render medical advice at the Insured’s Premises by Medical Persons employed by the Insured to provide first aid and ancillary medical services;
  • Personal Injury or Property Damage arising from the Insured performing activities as described in the Business Description of this Policy.
• Pollution Liability
  • The Insured is indemnified by this Section in accordance with the Operative Clause for and/or arising out of accidental Injury, Damage or Advertising Liability occurring during the Period of Insurance and arising out of Pollution which was the direct result of a sudden, identifiable, unintended and unexpected event occurring in its entirety at a specific time and place during the Period of Insurance subject to policy exclusions.
• Advertising Liability
  • The insured is indemnified by this section in accordance with the operative cause arising from advertising liability
  • Advertising liability means: infringement of copyright of, or passing off a title or slogan, unfair competition, piracy or idea misappropriation contrary to an implied contract; invasion of privacy; or defamation, libel, slander committed or alleged to have been committed during the period of insurance in any advertisement, publicity article, broadcast or telecast arising out of your advertising activities or any advertising activities conducted on your behalf, in the course of advertising the products, goods or services related to those products, subject to policy exclusions.
• Molestation / Sexual Abuse Extension – The Molestation / Sexual Abuse Extension is limited to the activities involving:
  • Services to children when funded by the Victorian State Government
  • We shall not provide indemnity arising from any person/s unless a current and valid working with children check deeming them suitable to work with children has been requested, received and held on file by the Insured.

The cost of General Liability Insurance is based on the Organisation’s Gross Annual Income.
Read the General Liability policy wording here.

What is Association Liability Insurance?

Association liability insurance provides protection to the organisation including directors and officers, committee members arising from any claim for any wrongful act, including, but not limited to employment practice breach, fraud and dishonesty, occupational health and safety defence costs, statutory liability (fines and penalties), for which the
insurer agrees to pay on behalf the association.

This policy is endorsed to cover:

• Professional Indemnity

Professional Indemnity insurance covers any claim or investigation attributable to any breach of professional duty, or the provision of any professional services and/or advice or the failure to provide such advice, subject to policy exclusions.

This policy insures all losses arising from any claim for any civil liability first made and notified to us during the insurance period arising from the conduct of the insured’s business (financial loss) subject to policy conditions and exclusions. The Association liability policy excludes Bodily injury/property damage and products liability.

Read the Association Liability Policy wording here.

What is Personal Accident Insurance for Volunteer Workers?

Personal Accident Insurance for Volunteer Workers protects volunteers and members from expenses incurred due to injury sustained while engaged in official unpaid voluntary activities. The following cover is offered.

Insured Persons aged up to 65 (Events 1-19) $200,000
Insured Persons aged under 18 (Event 1 Death) $20,000
Insured Persons aged 66-75 (Events 1-19) $100,000
Insured Persons aged 76-80 (Events 1-19) $10,000
Insured Persons aged 81-90 (Events 1-19) $10,000
$2,000,000 Aggregate

Read the Volunteer Workers Policy information here.

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Gross Annual Income

What is included in Gross Annual Income?

Gross Annual Income is the total annual income from all sources before tax. This includes all income sources, for example:

• Grants received this year
• Sales
• Donations
• The income of groups you plan to auspice
• Dividends

The stated Gross annual Income should be evidenced by financial statements. Organisation Members are able to update the income annually via the renewal process.

Does funding from grants count as part of the turnover for the last 12 months?

Yes, funding from grants is included in the Gross Annual Income. If the organisation receives a grant one year but not the next, they may update the Gross Annual Income via the online renewal form each year, and the fee for optional General Liability Insurance will be adjusted accordingly.

We produce one major event every two years. How should we report on our Gross Annual Income?

The basis of your Insurance cost will be an average of your Gross annual Income over two years. Please enter the two-year-average figure in your renewal form.

What if the Organisation doesn’t have an Annual Financial Report or Audited Financial Statements?

If the organisation is new, they may submit a budget rather than audited financial statements. The budget should list all projected income and expenditure for the current or upcoming financial year. We recommend that organisations make estimates to the best of their ability. There are many Excel budgeting templates available online to use as a starting point.

Some organisations are not required to obtain Audited Financial Statements. In this case, please provide your Annual Financial Report or Profit and Loss Statement.

What should be included in the budget if the organisation is new?

Please provide a thorough budget. Consider all the likely income sources and expense items and list them as budget lines. For example, in the income section you would make estimates for income from grants, fundraising/donations, ticket sales, etc., with a gross income amount at the bottom. In the expenses section, you would get quotes for and/or
estimate venue hire, any costs associated with events, any payments to be made to contractors/employees, insurance, etc., with a total expense amount at the bottom.

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Common Coverage Questions

How do we know if our organisation needs insurance?

Each organisation’s needs are varied, however, some venues/premises/councils require certain types and levels of insurance for organisations using their premises. We advise that applicants who are uncertain of their insurance needs speak to our insurance broker and clarify their insurance requirements with any external parties.

We produce one major event every year. Do we have to take out a twelve-month policy?

Yes. We access heavily discounted insurance on an annual basis. The premium charged for the Insurance scheme is a minimum deposit premium and is the same cost for one day or up to 12 months. The insurer will only accept a 12-month policy, and this will cover you for all business activities listed under the Insurance Policies above.

Are our Members covered by the insurance policy?

There are specific instances where your members would be covered by the General Liability insurance policy:

• Individual members of Organisation Members
• Instances where our Organisation Member is auspicing a group
• Instances where our Organisation Member is directly overseeing the activities of a group

The activities of groups that are members of yours would otherwise not be covered by the insurance.

If our Organisation engages a paid Event Manager as a contractor to produce an Arts Event, does this policy cover the Event Manager?

• If the event is being produced on behalf of the organisation and the Event Manager is a Member of the organisation, the Event Manager will be covered under the Organisation’s liability policy.
• If an unrelated individual is involved in the production of an Arts Event for a Regional Arts Victoria Organisation Member, and is engaged as a contractor they would be required to arrange their own insurance.
• Insurance is also available to Individual Regional Arts Victoria Members for the approved business activities, including presenting of small festivals and events for audiences of up to 5,000 per event.

Does the insurance cover work on exhibition?

The insurance arrangement does not insure artwork in a gallery. Members would need to obtain a business insurance policy to cover the physical property.

The only time damage to artwork could be insured is if a member is found to be negligent and the owner of work were to hold the member legally liable.

For example:

• If you lock up a building and someone breaks in and steals an artwork, you are not legally liable.
• If you leave the building unlocked and someone breaks in, you then may be held legally liable.

For further information, please contact the insurance broker using the details provided.

If we auspice a group, are they covered by our insurance?

If the activities conducted by the auspice (the group or person requiring support) fit within the parameters of activities covered under the policy and the income from the auspicee is included in the auspicor’s (the group providing support)
reported Gross annual Income.

The auspicee must also be a member of yours.

When does an organisation cease to be covered by insurance?

If a previously covered Member has not completed payment towards the current year’s premium by 15 November each year, an email will be sent notifying them that the organisation is no longer covered under Regional Arts Victoria’s Insurance Policies. Regional Arts Victoria will notify members in writing should we expect that cover under this insurance will be discontinued or will not be renewed.

Who decides who is legally liable?

The decision as to whether a party is legally liable rests with the insurance company and/or the courts. You should ensure that other parties with whom you are engaged also have Public & Products Liability Insurance. You should never admit liability in any way, as it may prejudice your claim.

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RAV and Insurance

How does Regional Arts Victoria work with the insurance brokers?

Regional Arts Victoria acts as a group purchasing body, buying General Liability Insurance on behalf of interested Members. Regional Arts Victoria pays this insurance of behalf of itself and interested Members. These Members then contribute towards the Public & Products Liability Insurance premium. This contribution includes an administration fee. The policy runs for one year from 31 October annually.

Australian Financial Services Licence

As Regional Arts Victoria does not hold an Australian Financial Services Licence, you should consider obtaining your own financial product advice from a person and/or organisation qualified to give such advice under an Australian Financial Services Licence.

As a purchasing body, Regional Arts Victoria has engaged Gallagher Insurance Brokers (AFSL 238312) to arrange policies for our members. You may, at any time, contact Gallagher Insurance Brokers directly to confirm that our affiliate insurance is in place and remains current. Contact details are provided at the top of this page.

Rebates

Regional Arts Victoria does not receive any form of remuneration (including commission) or other benefits that are reasonably attributable to the purchasing activity from the insurer, a broker or any other person for coverage of this policy. Regional Arts Victoria does charge its members an administration fee for arranging this insurance.

Are there any discounts available on insurance?

Regional Arts Victoria has negotiated discounted General Liability Insurance for its members on an annual basis, from October – October each year. Further discounts are not available.

Both Association Liability Insurance and Personal Accident Insurance for Volunteer Workers are included in the Membership fee at a fixed price.

Are there other insurance policies available via Regional Arts Victoria?

No, Regional Arts Victoria is not able to offer variations or additions to the insurance offerings.