In relation to hosting events, training groups, or organised activity, our insurer, V-Insurance Group, has provided the following advice:
Whilst there is not an exclusion on the Public Liability Insurance policy relating to sickness, Athletics Australia, all MA’s and affiliated clubs have a duty to exercise reasonable care to prevent personal injury and property damage and to comply with all statutory obligations, by-laws or regulations which provide for the safety of other persons and property. If for example, government restrictions are declared on sporting events or mass gatherings and you still sanctioned these activities, insurers may deny a claim for breaching this duty of care. The Public Liability / Professional Indemnity insurance does not protect against fines or penalties imposed by law.
Please also be reminded the Public Liability insurance provides cover for bodily injury and/or property damage although negligence must be proved in order for compensation to be paid to a third party. Costs associated with defending the matter would however be covered under the policy. In the instance that one member infected another with COVID-19 and the newly infected member wanted to hold Athletics Australia, MA’s and affiliated clubs responsible. We believe it would be very difficult to trace the original source of infection and hold Athletics Australia, MA’s and affiliated clubs responsible.
We would like all members, affiliated clubs, and coaches to consider the above, and be aware that you may not be covered by the insurance policy included in your membership/affiliation if you choose to ignore recommendations and guidelines set out by the State, Federal Government and local authorities. Some venues have imposed stricter guidelines around the use of their facilities, and we ask that you also adhere to these.
We are aware this is a difficult time for all and want to ensure the safety and wellbeing of all members.
If you have any questions, please do not hesitate to get in touch with one of the Athletics Victoria staff at firstname.lastname@example.org
If you require any further information in relation to the Coronavirus COVID-19 it can be found from the Australian Government Department of Health or for general advice regarding COVID-19, call the Australian Government’s Coronavirus health Information Line on 1800 020 080.