• Broad cover & minimal exclusions We insure the risk others may not.

  • Tailored for community groups We understand your risks and cover them.

  • Nil or low excess Very rarely pay more when you claim.

Principles & Processes

Risk Management Principles are key resources to help you identify and manage risks associated with your group’s activities, including those at events. However, for more specific event risk management information click here.

Risk Management Principles Identifying Hazards – hazards are risks!
  • Previous records/activities
  • Experience, local or overseas
  • Discussions with people/members etc.
  • Survey/questionnaires
  • Look – physical inspection of possible risks
  • Observe activity
  • Look at worse case scenarios
  • Employ professionals / specialists
  • Consult associations / organisations
  • Carry out your own research vis the internet or publications or insurers
Assess Risks

Identify how risks to your organisation or event can impact. Consider:

  • Health & safety of staff, members and/or volunteers
  • Financial implications like your legal liability from injury claims
  • Insurance premiums, assists in negotiating insurance
  • Detriment to your reputation, publicity and/or credibility
  • How the credibility and confidence members have in the organisation could be damaged
  • Cost to fix or replace property and equipment
Implement Controls

While risks can be transferred through an insurance policy, such as Public & Products Liability, this should not be seen as a waiver of your responsibilities regarding the safety and security of your participants, suppliers and members of the public. You still need to manage risks because you have a duty of care (a legal liability) to do so.

  • Develop a Risk Management Plan including relevant policies and procedures
  • Ensure your members/volunteers are aware of your policies & procedures
  • Let your members/volunteers know their roles and responsibilities
  • Someone needs to take on the role of monitoring the risk/s
  • Resources (physical, equipment, financial, plant, etc) available
  • Allocate the right persons (trained people) to manage any incidents
Monitor Risks & Performance
  • Debrief the incident, including any team feedback on your Risk Management Plan (policies & procedures)
  • Review the incident that occurred. Analyse why it occurred and how it could have been prevented
  • Review the way your risks were managed to see if the incident could have been prevented
  • Consider what you should change to prevent a similar incident from occurring

Some risks can be transferred by contract. This is applicable to the following examples:

  • Suppliers, performers, amusement operators, stall holders, exhibitors
  • People who are coming to the event and require your agreement to be on site
  • They need to have their own Liability insurance and your interest noted as Principal

We are here to help, so please do not hesitate to contact us for further information or if you have any questions about the risk management information we have provided you.