Policies overview

The CSO Program is insurance coverage for eligible community service organisations funded by Victorian State government departments.

CSOs in this program provide diverse services and include aged care, disability services, family and community housing, neighbourhood houses, and advocacy services.

Who’s covered?

Eligible CSOs funded by the Victorian Department of Health and Human Services, the Department of Justice or other relevant departments. For more information about eligibility, please contact the local office of your relevant Victorian government department or the Funded Agency Channel. 

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 or criminal 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 health care services.

Volunteer care givers

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

More information

For more information about your insurance policies email us at

Page last updated: 7 June 2017