CSO Insurance Guide and FAQs

The CSO Program is insurance coverage for eligible CSOs funded by the Victorian Department of Health and Human Services, the Department of Justice and Regulation or other relevant departments. This can include organisations working in aged care, community housing and neighbourhood houses. For more information about eligibility criteria, visit the Register of Community Services or contact your local council.

Insurance Program Overview

Personal Accident Insurance for Volunteers

Insurance For Events

Certificates of Currency


What cover is provided?

Public and Products Liability

Cover for your organisation to pay compensation for personal injury and/or property damage to third parties arising from your business activities.

Professional Indemnity

Cover for your organisation for an alleged breach of professional duty.   

Directors and Officers Liability

(including Entity Liability and Employment Practices Violation)

Cover for civil claims made against your organisation’s directors and officers (including employment-related matters) while acting in their capacity representing your organisation.

Entity Fidelity

Cover for loss of your organisation’s money or other property arising from any dishonest or fraudulent act committed by an employee or volunteer of your organisation.

Personal Accident 

Cover for volunteers and eligible people within your organisation whilst performing their duty, for accidental bodily injury that results in:

  • loss of life,
  • permanent, or
  • temporary disablement.

Medical Indemnity

Cover for claims alleging negligence while providing healthcare services.

Volunteer care givers

Cover for the property of volunteer care givers, in the event it is damaged by people in their care.

The National Redress Scheme for Survivors of Institutional Child Sexual Abuse

Redress has been established as a means to help right a wrong, and acknowledge harm, as an alternative avenue to a civil claims process.

Victorian government departments and agencies have redress payments covered through the State Budget.

Participation in the scheme and contributions to redress payments, are outside of the nature of liabilities covered by VMIA policies.

VMIA liability policies cover Victorian government departments, agencies and some community service organisations for civil claims for compensation for abuse.

If you have an insurance policy with VMIA, we invite you to contact us so we can answer questions relating to your policy.

More information

For more information about your insurance policies email us at

Page last updated: 3 January 2019