Insurance

A member of a rescue team wearing a yellow shirt and red cap is working with equipment in a storage area, with other rescue personnel in the background.

Overview

Surf Life Saving Tasmania (SLST) is part of the Surf Life Saving Australia National Insurance Program, which provides a range of insurance protections for members, clubs and volunteers.

This program supports members and clubs in managing risks associated with Surf Life Saving activities. However, it is important to understand that insurance cover is limited and subject to policy terms, conditions and exclusions.

Two lifeguards running on the beach near the water, wearing yellow jackets, red shorts, and red hats, each holding a yellow rescue tube.

What cover is available?

The National Insurance Program includes three core types of cover:

  • Provides limited financial support to members who are injured while participating in sanctioned Surf Life Saving activities, including patrols, training, competitions and events.  This cover does not replace private health or income protection insurance.

  • Helps provide protection to clubs against the financial risk of being found liable for:

    • Injury to another person

    • Damage to property

    This cover applies to sanctioned Surf Life Saving activities and events in Australia.

  • Helps cover a range of financial risks for clubs, directors and officers.

Member Insurance Information Brochure

  • Useful Resources

    • Member Insurance Information Brochure

    • SLST Certificate of Currency (Public Liability) 2026-27

    • Member Insurance Flowchart Poster for Clubs

    • Gear & Equipment Insurance FAQS (Marsh Insurance)

    Member Insurance Resources

  • Marsh Insurance

    SLST’s insurance is managed through the Surf Life Saving Australia National Insurance Program, administered by Marsh Australia. For detailed information, including policy wording, exclusions, Certificate of Currency and to make a claim:

    Competitive rates are available for other selected policies through Marsh due to economies of scale delivered through the national insurance scheme. 

    • Marine Hull – e.g. surf boats, IRBs

    • Motor Vehicle insurance

  • Important Limitations

    It is important for members and clubs to understand that:

    • Insurance does not cover all costs associated with injury or incidents

    • Cover only applies to authorised Surf Life Saving activities

  • Your Responsibilities

    To ensure insurance coverage applies, clubs and members must:

    • Participate in approved or sanctioned activities only

    • Follow SLST and SLSA policies and procedures

    • Complete required risk assessments and approvals (e.g. Special Events)

    • Maintain accurate membership and operational records

    • Follow SLST incident reporting processes

  • Making A Claim

    If an incident occurs:

    • Follow SLST incident reporting processes

    • Submit the relevant claim documentation to Marsh as soon as possible

    • Contact Marsh for claim enquiries and support

    Volunteers (Marsh)

    Clubs (Marsh)

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