Insurance
RGA’s Comprehensive Insurance Coverage!
When you join RGA, you’re not just getting top-tier training and support – you’re also getting the security and protection your business and coaches deserve. We’ve partnered with Marsh Advantage Insurance to offer you tailored insurance solutions that meet the unique needs of the movement-based industry.
What’s Covered?
With our RGA subscription, you’ll be covered by a range of essential insurances, so you can focus on what matters most – growing your club and supporting your coaches!
Insurance Coverage via the RGA subscriptions provides the following coverage:
- General Liability $20,000,000 any one occurrence
- Products Liability $20,000,000 any one occurrence and in the aggregate
- Excess $2,000 or $25,000 if personal injury resulting in paraplegia, quadriplegia and/or tetraplegia
- Professional Indemnity
- $10,000,000 any one claim in aggregate
- Excess $1,000
- Retroactive date: Inception of Policy
- Personal Accident
- Management Liability
Exclusions
There is no cover for abuse in the liability policy
Our Trusted Insurance Partner: Marsh Advantage Insurance
We’ve teamed up with Marsh Advantage Insurance, the trusted insurance broker for RGA, to ensure you get the best risk management and insurance solutions. Marsh specialises in sporting associations and clubs, tailoring their coverage to fit the unique needs of our industry.
For any queries or to file a claim, get in touch with Marsh Advantage Insurance directly:
Email: recreationalgymnastics@marsh.com
Important to Note:
- Trampolining as a sport / program is not covered under this insurance. This includes trampoline parks that offer free play programs or programs with skills that fall outside the RGA skills boundaries.
- Trampoline within Recreational Gymnastics Australia is covered under insurance if: – The use of trampoline (standard / in the ground) is being used for learning recreational gymnastics skills.
– Is being used as a station within a session
– Being used for the use of rebound apparatus for learning recreational skills
– Teaching of skills as per the competencies and boundaries of the accreditation level.
When you become a member of RGA, you’re not just signing up for insurance – you’re gaining access to a comprehensive membership that’s built to support your entire club. While your flat fee covers insurance based on your participant numbers, RGA offers so much more than just protection.
By joining, you’re tapping into:
- World-Class Education & Training – Our coach accreditation framework ensures your team has the skills and knowledge to thrive.
- Ongoing Support – You’ll never be alone in your journey. We’re here to provide guidance, resources, and assistance every step of the way.
- Exciting Opportunities – From competitions to networking with like-minded businesses, we’re all about creating growth opportunities for you and your team.
At RGA, we believe that true value comes from combining insurance coverage with professional development, training, and community. Let us help you build a stronger, more successful club while keeping you covered every step of the way.
Insurance Q&A
General Coverage
Is there any insurance cover for volunteers? If yes, where is this outlined in the policy documents?
A: Unpaid volunteers are covered under the Personal Accident policy.
Is harassment (including sexual harassment) covered under the policy? If so, where is this detailed?
A: No cover for harassment.
Can you provide the most recent insurance documentation (policy schedule and wording), or confirm where these can be accessed?
A: The Policy Schedule was provided to all members at the time of your Certificate of Currency being issued. These were emailed to members on October 30 2025 or once financial. The policy documents can also be found in the Members Area under Insurance.
Is Abuse and Molestation covered under the RGA policy?
A: No cover for Abuse and Molestation.
Activities & Program Coverage
Does the policy extend to ninja-style obstacle coaching and gymnastics activities involving height and dynamic movement?
A: Coverage applies only to activities disclosed and approved within the RGA framework. All activities must align with RGA movement boundaries and be verified where required.
Does cover extend to:
- School holiday programs
- Competitions
- Fundraising events
- Off-site activities
- Trials
- School programs both in your venue or at school venue
A: Yes, provided all RGA membership requirements are met (accredited coaches, approved curriculum, movement boundaries). Activities outside the framework must be disclosed to RGA team in writing BEFORE undertaking the activity.
Are the use of trampolines covered?
A: Providing the trampoline is only being used as a training apparatus, the coach holds the appropriate level of accreditation for the skills being coaches and within the skills matrix then they are covered. Trampolining as a program or open gym/venue is not covered under the cover.
Management Liability
Does Management Liability include Employment Practices Liability?
A: Yes, with a $250,000 limit (as per policy schedule).
Does Management Liability include WHS defence costs?
A: Coverage applies to appearance at official investigations (subject to policy terms).
Cyber & Data
Is there any coverage for cyber incidents, including data breaches involving member information?
A: No cyber cover is not provided under the RGA policy.
Participant & Personal Accident Cover
If a participant is not eligible for Medicare (e.g. on a visa), can they claim medical expenses under the policy?
A: Yes, they may claim under the Personal Accident policy, subject to limits and coverage.
Do members have to retain receipts for out-of-pocket expenses up to a set amount before they are eligible to claim? Yes, all records should be kept to lodge and substantiate your claim.
Is the gap expense between Medicare benefit and full expense covered under the policy?
A: The Personal Accident policy provides cover up to the limits and coverage in the policy schedule.
Is attendance at Futures League events covered for both members, non-members competing as well as spectators and Officials covered under Personal Accident and Public Liability?
A: Only financial members and unpaid volunteers are covered.
Claims & Process
What steps must a member take to commence a claim under the RGA policy?
A: For a Personal Accident Claim, the member should complete the claim form using the ‘Make a Claim’ under insurance on our website.
What documentation is required to support a claim?
A: Will differ for every claim, however typical information would include receipts, medical reports, medical certificates, club incident reports etc.
What should a club do immediately following an incident to ensure proper documentation and evidence for a claim?
A: Every incident is different. The club is not responsible for a Personal Accident claim, the individual is.
Is there an excess payable for claims made by members or clubs?
A: Please see the Personal Accident Policy Schedule.
Membership & Transfer Scenarios
If an athlete transfers from an RGA club to a GA club, does their insurance cover transfer?
A: No – they are removed from the RGA program.
If an athlete transfers from another RGA or GA club into our club, are they automatically covered, or are policy updates required?
A: Clubs participant numbers must be kept up to date with RGA.