Find insurance coverage details including summaries of the various standard covers offered by the VMIA to its Community Service Organisation (CSO) client base.
Community Service Organisations' Insurance Guide 2011 - 2012
This guide describes the various insurances arranged to provide coverage for nominated CSOs. The policies described in this guide are renewed annually on 30 June each year.
Community Service Organisations Insurance Guide 2011-2012 [PDF 499KB]
If you are an organisation incorporated within Victoria, with a non-Victorian revenue less than $15,000,000, VMIA is now able to extend the CSO Program to cover ALL your business activities Australia wide for a reasonable additional premium.
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Cemetery Trusts Insurance Guide 2011 - 2012
This guide is a summary of the various insurance products provided as part of the Cemetery Trusts Insurance Program
Cemetery Trusts Insurance Guide 2011-2012 [PDF 843KB]
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Proposal for Australia-wide cover
If you are interested in pursuing this opportunity, please download the proposal form below, complete the required details and fax the form to the VMIA. A quotation will be mailed or emailed to you for your consideration.
Community Service Organisations Proposal for Australia-wide Cover [PDF 170KB]
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Directors and Officers Liability - CSOs
Directors and Officers Liability insurance indemnifies your organisation (including its employees and its Patrons) against legal liability for personal injury and/or property damage claims made against it by third parties that allege their injury or loss was caused by your organisation’s negligence whilst performing authorised activities.
Please note:
There has been a change to the Directors and Officers liability policy wording this year. The following clause has been added to the policy wording:
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5. Employment Practices Violation
5.1 If an Employment Practices Violation Sub-limit is specified in the Schedule for Employment Practices Violations (Public Body), the Authority will indemnify the Officer and the Public Body in respect of any claim (including reasonable professional fees) against it arising out of an Employment Practices Violation.
Always provided that:
5.1.1 The employment violation was committed in good faith by the insured; and
5.1.2 The insured was not aware of the wrongful nature of such violation and would not have been so aware after making reasonable inquiry, which includes independent external legal advice
Further information
If you have any questions regarding this update, please do not hesitate to contact your insurance advisor.
Directors and Officers Liability Policy, CSOs 2011 - 2012 [PDF 78 KB]
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Entity Fidelity - CSOs
This section covers your organisation for theft by its employees of money, securities or other property owned by your organisation or in its care custody and control and for which it is legally liable. Employees include volunteers working for you. Cover only applies where the theft takes place and is reported to the VMIA during the currency of the policy or after the “Retroactive Date”. This means there is no cover for any claim that arises from a theft committed before 30 June 2007.
Entity Fidelity Policy, CSOs 2011 - 2012 [PDF, 54KB]
Medical Indemnity - CSOs
Medical Indemnity Insurance indemnifies your organisation against third party claims resulting from negligence in the provision of health care services which results in bodily or mental injury or death. Please note that you should use your best endeavours to ensure that all consultants and doctors providing medical services for or using your facilities also maintain their own insurance against liability for breach of professional duty.
Medical Indemnity Policy, CSOs 2011-2012 [PDF, 72KB]
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Personal Accident - CSOs
This section provides income protection and/or capital benefits (including death) to nominated staff and people working on behalf of your CSO in the event the insured person suffers an injury due to accident occurring while performing their duty, including associated travel.
Personal Accident Policy, CSOs 2011 - 2012 [PDF, 162KB]
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Professional Indemnity - CSOs
To indemnify your organisation against third party claims resulting from any act, error or omission in the course of Professional Services rendered or which should have been rendered for which your organisation may be legally liable.
Professional Indemnity Policy, CSOs 2011 - 2012 [PDF, 82 KB]
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Public and Products Liability - CSOs
Public Liability insurance indemnifies your organisation against legal liability for personal injury and/or property damage claims made against it by third parties. In this situation, they allege their injury or loss was caused by your organisation’s negligence whilst performing authorised activities. Products Liability insurance indemnifies your organisation against claims made against it by third parties that allege their injury or loss was caused by your organisation’s sale, manufacture or distribution, of its products.
Public and Products Liability Policy, CSOs 2011 - 2012 [PDF, 99KB]
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Volunteer Care Givers - CSOs
To indemnify people covered by the policy, including volunteers, for property damage caused by acts of malicious damage or theft, or accidental damage directly or indirectly caused by any person or persons under the care of the Person Insured.
Volunteer Care Givers Property Policy, CSOs 2011 - 2012 [PDF, 39KB]
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