Have you tried an LCIS triple scoop insurance ice cream?

You know that moment when you have to decide which flavour? When it comes to insuring your community group for a broad variety of risks, we say to get at least three policies… and you can‘t go past a Neapolitan combo!

Classic vanilla is just like our Public & Products Liability cover because it‘s the most well-known, common and staple protection needed.

It can cover:

Legal Costs

Covers your organisation‘s legal costs in the event that a claim is made against your organisation including for claims alleging negligence.

Property Damage Covers damage to property caused through your organisation‘s activities including damage caused by negligence.

Personal Injury

Covers your organisation if your organisation has caused injury to someone in the course of your organisation‘s normal activities.

Third Party

Covers you for claims made by third parties.

Damaged/Goods Covers your organisation for damage caused to other people‘s property in your organisation‘s custody or control.

Chocolate is like our Associations & Officials Liability because it‘s complimentary to vanilla due to it‘s rich flavour and will protect against any claim in relation to potential financial loss or compensation associated with the group‘s management. Such as:

Legal Costs

Covers your organisation’s legal costs if you are sued by a third party alleging they have suffered a loss because of an alleged ‘Wrongful Act’.

Wrongful Acts

What is a Wrongful Act? It is defined as a negligent act or omission, breach of duty, breach of power of authority or misleading statement.

Investigation Costs

Costs and expenses incurred by the Organisation or an Officer to investigate a claim further can be covered by the policy.

Additional Benefits

Our policy has been extended to include these additional benefits.

Fraud and dishonesty – sublimit $25,000

Statutory fines and penalties – sublimit $100,000

Strawberry is like our Volunteer Workers Policy because it‘s sweet like the people who volunteer for your organisation. This cover will provide your members with financial compensation for personal injury sustained when undertaking activities on behalf of your organisation in an official capacity.


Setting up for an event.

Serving tea and coffee.

Selling or taking tickets at an event.

Acting as an usher or information guide.

Picking up rubbish on a beach.

Cleaning out the storage shed.

Locking up the premises.