Policies and cover

Effective 1 July 2024, stamp duty on eligible business insurance products will be reduced from the current 10% to 9% for the 2024-25 renewal period and will continue to decrease by 1% each year until it reaches 0%. This change is estimated to save our clients around $7 million during the 2024-25 renewal period.

Please note that this reduction applies to most of our policies. Please refer to the summary table on this page to see if your insurance is impacted.

For more information, please visit the government website: https://www.sro.vic.gov.au/publications/changes-state-taxes-june-2023(opens in a new window)

VMIA class of insurance with stamp duty included:

• Aviation Liability
• Combined Liability
• Construction
• Domestic Building Insurance
• Event Liability
• Hangar Keepers Liability
• Medical Indemnity
• Non-Owned Aircraft
• Professional Indemnity
• Property
• Public & Products Liability

VMIA class of insurance with stamp duty excluded:

• Cyber
• Directors & Officers Liability
• Fine Arts & Exhibitions
• Group Personal Accident Journey
• Investment Management Insurance
• Motor Vehicle
• Travel Expatriate/Inpatriate Medical Expenses

If your organisation owns or uses aircraft or an airfield, there’s a risk of aircraft damage or injured passengers. VMIA’s aviation insurance policies cover you against these risks.

We have two types of aviation insurance:

• Hangar keepers' liability covers your legal liability for accidents at the airfield where your aircraft is stored, damage to aircraft and aircraft equipment in your care, custody and control. Legal liability for aircraft maintenance, sales and repair operations is also covered.
• Non-ownership liability covers your legal liability for loss of or damage to aircraft, as well as legal liability to passengers and third parties.

Who's covered?

• Your organisation and any of your employees engaged in operating, repairing, maintaining and using your aircraft or operating an airfield.

What's covered?

Hangar keepers' liability

• Legal liability for property damage and bodily injury as a direct result of the services you provide at your airfield premises
• Loss of and damage to aircraft or aircraft equipment in your care, custody and control on the ground or during test flights
• Bodily injury or property damage arising from aircraft maintenance, sales or repairs.

Non-ownership liability

• Legal liability in respect of accidental loss of, or damage to aircraft
• Legal liability relating to accidental bodily injury and accidental property damage caused by the aircraft, or by a person or object falling from the aircraft
• Legal liability for accidental bodily injury to passengers when entering, on board, or alighting from the aircraft
• Loss of or damage to passengers’ baggage and personal effects arising from an accident to the aircraft
• Bodily injury or property damage arising from aircraft maintenance, sales, or repairs.

Policy documents

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Business travel insurance covers employees for medical treatment, emergency medical evacuation, flight cancellation or lost luggage during overseas, interstate and intrastate (beyond 50km) business trips.

Who’s covered?

• Employees or authorised personnel and their accompanying family members who are under the age of 85 (unless otherwise agreed with VMIA).

What's covered?

• Personal accident — provides compensation for injury and sickness as per the table of benefits
• Medical expenses incurred following an injury, sickness or disease (for overseas travel only)
• Loss of baggage, travellers' cheques, travel documents, credit cards and money
• Loss of deposits and cancellation charges
• Hire car excess expenses
• Additional expenses from unforeseen circumstances
• Alternative employee expenses if replacement staff are required
• Evacuation cover and personal safety if it’s unsafe to remain at the location
• Extra territorial workers' compensation
• Personal liability
• Private travel (maximum 14 days) forming part of a business trip
• Business travel up to 180 days.

This is a brief overview of policy features only. Please refer to the policy wording below for full details of cover and exclusions.

Policy documents

More information

For more information about your insurance policies, please log into our portal(opens in a new window) email us at contact@vmia.vic.gov.au or learn more about what to do in an emergency when travelling overseas.

VMIA provides insurance to more than 500 cemetery trusts, on behalf of the Victorian Government and the Department of Health (DH).

Who's covered?

• All Victorian public cemetery trusts

What's covered?

Property

Property covers your Trust for physical loss or damage to property due to events such as fire, explosion, vandalism, weather perils, earthquake, theft, or accidental damage. It also covers loss of revenue and additional costs of working due to property damage.

Combined Liability

Combined Liability covers your Trust for its legal liability from personal injury and/or property damage claims by third parties arising out of the Trust's business activities.

The policy also provides cover for your Trust in relation to third party claims for financial loss arising from a breach of professional duty.

Cyber Insurance

Cyber Insurance covers your Trust for expenses associated with a breach of your computer systems. Coverage includes expenses related to forensic investigation, data restoration, public relations, crisis management, and mandatory notification requirements.

Directors and Officers Liability

Directors and Officers Liability provides cover for your Trust's directors and officers for third party claims arising from their actions and decisions while acting in an official capacity (including employment-related violations).

Group Personal Accident

Group Personal Accident covers volunteers for accidental-bodily personal injury while performing their duties, resulting in loss of life, permanent or temporary disablement.

Optional covers

Optional insurance policies are available to Trusts on an "offer and acceptance" basis including:

• construction risks (contract value over $500,000)
• business travel
• journey (personal accident).

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Combined liability insurance covers your organisation for legal and professional liabilities arising from negligence or a breach of your professional duties which result in personal injury, property damage or financial loss to third parties.

While conducting your business activities, you may receive a claim for personal injury, property damage or financial loss from a client, member of the public or another organisation. Defending these claims, even if y`ou are not at fault, can result in costly legal expenses.

Who's covered?

Your department or agency, its directors, officers and employees, volunteers and people that represent your business.

What's covered?

• Legal liability to pay compensation for personal injury to third parties arising from your business activities or goods
• Legal liability to pay compensation for damage to third party property arising from your business activities and goods
• Legal liability to pay compensation for advertising liability
• Legal costs associated with the defence of claims made against you.

Financial losses suffered by third parties because of:

• A breach of professional duty
• An act, error or omission
• Misleading or deceptive conduct
• Libel, slander or defamation.

This is a brief overview of the policy only. Please refer to the policy wording below for full details of cover and exclusions.

Panel of External Expert Reviewers (PEER) Program

The PEER Program forms part of Safer Care Victoria’s (SCV) Incident Response Program. It provides a centralised pool of independent panel members that health services can invite to participate in serious or sentinel event review work — for example, on a root cause analysis (RCA) panel.

For more information regarding the PEER Program and your Combined liability insurance cover, please contact your Risk Adviser or email us at contact@vmia.vic.gov.au

Policy updates

The following changes have been made to the VMIA 2025-2026 Combined Liability policy.

The 1.2.4 Coverage for eligible emergency resource providers has been added to all VMIA Client’s Combined Liability policies at no additional charge.

The purpose of this clause is to provide cover for Emergency Service Resource Providers (the Insured) if called upon by a Victorian Control Agency to assist State in an event of a State Emergency. The cover provided by this clause has been sub limited to $10,000,000 with a $5,000 Excess to apply subject to policy terms, exclusions and conditions of the policy wording.

Policy documents

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Program overview

The CSO Program is insurance coverage for eligible CSOs funded by the Victorian Department of Families, Fairness and Housing (DFFH), Department of Health, and Department of Justice and Community Safety (DJCS) or other relevant departments. This can include organisations in aged care, community housing and neighbourhood houses.

In partnership with Neighbourhood Houses Victoria, we have produced a scenarios-based risk management and insurance guide for committees of management of Neighbourhood Houses. Download the guide below.

In partnership with University of the Third Age (U3A) Network Victoria, we have produced a scenarios-based risk management and insurance guide for committees of management of U3As. Download the guide below.

Insurance Program Overview

If you have more questions download our Community Service Organisations Insurance Program:

Personal Accident Insurance for Volunteers

Insurance For Events

Certificates of Currency

What is covered?

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. This includes any person acting on behalf of your organisation, including clinical workers, non-clinical workers and volunteers, when administering naloxone to a patient or person.

Volunteer caregivers

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

Policy updates

We’ve added cover for Formal Investigations into all Professional Indemnity CSO products to cover your organisation for legal representation costs to respond to a formal administrative or formal regulatory inquiry by a governmental, regulatory, self-regulatory, professional, statutory or official body or institution body.

Covered event

We added the following 'Covered Event' definition and conditions to provide clarity around the management of claims relating to Coronial Matters:

• New policy definition can be found on page 9: ‘Covered Event’ means a matter, fact or circumstance which is likely in the opinion of VMIA to give rise to a Claim and for which an indemnity has been provided under this policy
• New Condition 6.23 - Conduct of Covered Events can be found on page 11
• New Condition 6.24 - Co-operation with Covered Events can be found on page 11

Does your organisation work with children? Find out more about your insurance cover

The Victorian Government communicated that from 1 July 2019, non-government organisations who deliver services to children and receive Victorian Government funding will be required to be:

• incorporated separate legal entities that can be sued in their own right in child abuse proceedings, and
• appropriately insured against child abuse.

If your organisation holds insurance with us under the Community Service Organisation Program, Community Service Organisation Education Program or has been issued a Combined Liability Policy, you have insurance in place for child abuse claims.

However, if there are any changes to your funding arrangements from the Victorian Government, this may impact your eligibility for VMIA insurance cover. It is important to note that if there is a change to your Victorian Government funding, you must contact your funder to understand the implications to your insurance cover.

If you have any questions, please contact one of our team at contact@vmia.vic.gov.au or on 9270 6900.

The National Redress Scheme for Survivors of Institutional Child Sexual Abuse

Redress has been established 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, contact us so we can answer questions relating to your policy.

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Program overview

Organisations that may qualify for this cover are CSOs funded by the Department of Education (DE) including kindergartens, learning centres and other education-funded organisations. For more information about eligibility, please contact the Victorian Department of Education(opens in a new window).

Download our Kinder reference guide, a management guide for early childhood services committees of management.

Download our quick insurance reference guide:

Insurance Program Overview

Personal Accident Insurance for Volunteers

Insurance For Events

Certificates of Currency

What's covered

Public and products liability

Cover for your organisation 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, while performing their duty, for accidental bodily injury that results in loss of life, permanent or temporary disablement.

The National Redress Scheme for Survivors of Institutional Child Sexual Abuse

Redress has been established 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, contact us so we can answer questions relating to your policy.

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Construction risks – material damage and liability insurance provides protection for physical loss or damage to construction projects and legal liability arising from their execution. This includes new erections, construction, alterations, testing and commissioning as well as protection during any defects liability period.

This cover is required because VMIA’s property and combined liability (public and products liability) policies exclude construction activities over $500,000 in value.

Who is covered?

• Your organisation as the project principal
• Contractors and subcontractors
• Any other parties’ physical activities at the worksite.

What is covered?

Below is a brief overview of policy features. Please refer to the policy wording for full details of the cover and exclusions.

• Section 1 - Material Damage:
  • physical loss, physical destruction or physical damage to Insured Property – work in progress, construction materials, and specialised construction plant and equipment (when agreed) – occurring during the construction period or defects liability period.
  • ‘Insured Property’ includes:
    - permanent or temporary structures, materials and supplies
    - temporary buildings, camp buildings, project buildings and all contents
    - formwork, false-work, scaffolding, access platforms, hoardings and mouldings
    - consumables, drawings, documents and electronic data.
  • Cover extends to anywhere within Australia whilst at the worksite, during pre-fabrication, in storage and during inland transit.
  • Additional costs such as removal of debris, expediting expenses, emergency services expenses, temporary protection of property are also insured.
• Section 2 – Liability:
  • Covers damages and compensation for third party personal injury, property damage and advertising injury sustained during the construction period or defects liability period.
  • Cover extends to State insured entities (excluding municipal councils and associations) for related liabilities arising from Completed Operations and Products.
  • Legal defence costs and expenses are also insured.

Policy documents

More information

If you have any queries, you can contact the Construction team directly at vmiaconstruction@vmia.vic.gov.au

Cyber insurance covers your organisation for losses and expenses related to a breach to your network security and computer systems.

Policy updates

The Cyber Program has an increased limit of liability for all VMIA clients from 1 July 2024.

Who is covered?

Your department, agency (or hospital) and its directors, officers and employees.

Many organisations handle personal and corporate data, whether it’s employee profiles, health records, credit card information, sensitive demographic information or budget and funding information. In an ever-increasing legal and regulatory environment, our Cyber Insurance policy provides a risk transfer solution if your data is put at risk due to a cyber incident.

What's covered?

VMIA’s Cyber Insurance covers first-party expenses (incurred by your organisation in the event of a cyber incident) and third-party expenses (amounts your organisation is legally liable to pay to third parties, due to a cyber incident).

Protection for your organisation includes:

• Computer expert services
• Legal services
• Notification to affected persons and/or privacy regulators
• Call centre services
• Public relations and crisis management
• Credit monitoring or identity monitoring products
• Restoring or recreating impacted systems and data
• Business Interruption loss.

Protection for claims made by third parties includes:

• Defence of claims made by third parties due to a personal information data breach
• Legal liability to pay compensation
• Regulatory defence and penalties for a violation of a privacy law
• Failure to comply with a privacy policy
• Failure to prevent transmission of malicious code to outside parties
• PCI fines (Theft/loss of payment card data).

This is a brief overview of policy features only. For full details, please refer to the policy wording.

Reporting an incident

A Cyber Incident Response Service (CIRS) is available to all Victorian Government organisations. It’s a confidential service provided through the Department of Government Services (DGS).

Following this initial report to CIRS, organisations should notify VMIA of an incident as soon as possible.

What incidents should be reported?

• suspected or confirmed malware or ransomware phishing emails that reach government employees
• suspected or confirmed data breach
• theft, loss or unauthorised disclosure of personal data
• denial-of-service (DoS/DDoS) activity on a government system
• website defacement
• unauthorised use of government branding in phishing emails, and other forms of malicious cyber activity.

How do I report an incident?

To report an incident, you should:

Step 1:

Contact the Cyber Incident Response Service on 1300 CSU VIC / 1300 278 842 or email cybersecurity@dpc.vic.gov.au

Step 2:

Please lodge a claim via the VMIA portal(opens in a new window) or if you’re unable to access the portal due to the Cyber incident you should immediately notify VMIA on 03 9270 6900 or claims@vmia.vic.gov.au

For after-hours assistance, contact one of our partner organisations on 1300 135 790, who will provide support within an hour of a reported breach.

Cyber Insurance claims

As soon as you suspect any theft, loss, unauthorised disclosure of, or unauthorised access to information within your organisation, you should immediately notify VMIA. If this occurs outside working hours, please contact our partner organisation. The sooner we know about an incident, the more we can do to help.

Please include the following in your notification:

1. a short description of the incident
2. the date the incident occurred (if known)
3. the date your organisation discovered the incident
4. whether you’ve already engaged DGS’s Cyber Incident Response Service
5. contact information for the designated breach coordinator.

Please don’t include any personally identifiable information or protected health information.

At this stage in your investigation, try to preserve all evidence and secure your IT systems.

A VMIA Claims Manager will respond to the notice and schedule a phone call to discuss the incident and preliminary investigation. Key stakeholders in your organisation (those who will be involved in investigating the incident) should be on this phone call, and at a minimum, your designated incident response coordinator.

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Directors and officers liability insurance covers your organisation's directors and officers for third party claims arising from their actions and decisions while acting in an official capacity.

Defending these claims can be lengthy, expensive and often require additional resources. This policy features financial support throughout.

Who's covered?

• Costs of legal action for a covered claim brought against directors and officers
• Advance payment of legal and other defence costs
• Legal costs and expenses relating to investigations and raids
• Costs of challenging extradition or deportation
• Costs of protecting your ability to act as a director or officer
• Costs to mitigate adverse effects of reputation in the media
• Automatic run-off cover
• Pollution cover - subject to policy sub-limit
• Outside directorships - for those required to sit on an external board at the request and authorisation of their employer
• Employment practices violation.

Policy updates

The following changes have been made to the VMIA 2025-2026 Directors and Officers policy.

The 1.2.3 Emergency Service Resource Providers has been added to all VMIA Client’s Director and Officers policies at no additional charged.

The purpose of this clause is to provide cover for Emergency Service Resource Providers (the Insured) if called upon by a Victorian Control Agency to assist State in an event of a State Emergency. The cover provided by this clause has been sub limited to $10,000,000 with a $5,000 Excess to apply subject to policy terms exclusion and conditions of the policy.

The following Exclusions 2.1 Fines and Penalties and 2.4 Industrial Action has been updated and/or added to clarify the intention of these exclusions. These changes have not any way reduced cover previously provided under VMIA Directors and Officers policy.

The 2.1 Fines and Penalties now clearly specifies that fines, penalties, liquidated damages, punitive damages, exemplary damages, aggravated damages or multiple compensatory damages are excluded, however this exclusion does not apply to the cover under 1.2.9 for an Insured Officer.

The addition of the 2.4 Industrial Action Exclusion intent is to clarify that any labour disputes initiated in relation to Employee Bargaining Agreement by a union on behalf of a collective body of employees is excluded, except where the Employee Bargaining Agreement forms part of an individual employment contract terms exclusion and conditions.

Policy documents

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

EmRePSS overview

The Emergency Resource Providers Support Scheme (EmRePSS) is an insurance program that covers an organisation or individual that provides their equipment, labour or professional services to a control agency during eligible emergencies.

In conjunction with the Office of the Emergency Services Commissioner, VMIA developed EmRePSS to ease the impact of insurable losses (property and legal) on private resource providers.

This scheme applies when a resource provider lends or hires resources for emergency-related tasks at the request of, and under the direction of, a control agency.

A control agency is a participating Victorian Government department or agency, which requests and directs specific tasks in the event of an eligible emergency.

EmRePSS will operate in eligible emergencies where:

• the resource provider is responsible to, or under the direction of, a control agency for emergency response activities
• supply is under an ad-hoc arrangement for reward or for loan — i.e. not under a pre-existing contract for the provision of emergency supplies or services to a state department/agency or a local government body.

Who’s covered?

An organisation or person that supplies equipment, labour, or professional services for the purposes of responding to an eligible emergency.

What's covered, policies & updates

Directors and Officers Liability

Directors and Officers Liability provides cover for civil or criminal claims made against the resource provider’s directors and officers.

Property Insurance

Property Insurance provides cover for physical loss or damage to your property used in an eligible emergency, which includes the loss of revenue and income consequently.

Motor Vehicle

Motor vehicle insurance provides cover for any damage to a resource provider’s vehicle and legal liability for damage to third party property because of an accident involving the resource provider’s vehicle used in an eligible emergency.

Professional Indemnity

Professional Indemnity provides cover for the resource provider for an alleged breach of their professional duties.

Public and Products Liability

Public and Products Liability covers resource providers for legal liabilities arising from activities that result in personal injury or property damage to third parties.

Any emergency activities that are conducted purely on private property with no involvement of a control agency are outside the scope of EmRePSS.

Control agencies & eligible emergencies

A control agency is a participating Victorian Government department or agency, which requests and directs specific tasks in the event of an eligible emergency.

An eligible emergency means an emergency that is responded to by an EmRePSS control agency, and which relates to the safety or health of persons in Victoria or property in Victoria. Eligible emergencies are also referred to in Table 9 “response control agencies” of the State Emergency Management Plan.

Claims

To start the EmRePSS claims process, log into the VMIA portal(opens in a new window) and submit a claim for any circumstances or incidents that might result in a potential claim as soon as possible. If in doubt, please report it.

More information

For more information about these policies or any insurance matters, email contact@vmia.vic.gov.au

Environmental damage can have serious financial and reputational effects on an organisation. Environmental liability insurance helps protect your organisation from the various risks and legal liabilities associated with pollution or contamination conditions.

Who’s covered?

Your department, organisation, agency or hospital directors, officers and employees are all covered.

What's covered

• Onsite and offsite remediation costs resulting from pollution conditions
• Cover for sudden and gradual pollution conditions
• First party business interruption resulting from pollution conditions
• Third party claims for pollution conditions caused during transportation
• Third party coverage for remediation costs, bodily injury and property damage.

More information

For details about obtaining a quote for Environmental Liability Insurance, email us at contact@vmia.vic.gov.au

Fine art exhibitions insurance protects against loss or damage to artworks and personal property at exhibitions anywhere in the world.

Whether artwork is lost or damaged during transit or display, this policy covers artwork from when it leaves its original space until its return after exhibition.

Who’s covered?

Organisations that declare works of art for exhibitions.

What's covered

• Works of art (including film and other media) on display anywhere in the world, including during ‘bump-in’ and ‘bump-out’ periods
• Storage of artworks on premises anywhere in the world
• ‘Wall to wall’ transit — from the time the property is moved (from its normal location) while in transit anywhere in the world until its return.

This is a brief overview of policy features only. Please refer to policy wording below for full details of cover and exclusions.

Policy documents

More information

For more information about your insurance policies, email us at contact@vmia.vic.gov.au

Group personal accident insurance provides compensation to volunteers in your organisation for permanent or temporary bodily injury, as a result of an accident. This cover includes compensation for accidental loss of life.

Who’s covered?

• Volunteers including board members, practical placement students, work experience students and job seekers.

What's covered

• Lump sum benefit in relation to permanent total disablement or accidental loss of life
• Weekly injury benefits payable for up to 24 months
• Non-Medicare medical expenses (payable subject to the Commonwealth Private Health Insurance Act 2007 and excludes any Medicare gap)
• Lump sum benefit in relation to fractured bones
• Lump sum benefit in relation to dental procedures
• Additional rehabilitation and non-income earner benefits, as per policy wording.

This is a brief overview of policy features. The link below has full details of cover and exclusions.

Policy documents

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Journey insurance provides cover for employees or nominated persons involved in accidents when travelling between their home and work.

If injured while commuting, this policy provides income support or compensation, which workers' compensation doesn't cover.

Who’s covered?

• Employees
• Persons nominated by the policy holder.

What's covered

• Lump sum benefit concerning permanent total disablement or accidental loss of life
• Weekly injury benefits payable for up to 24 months
• Lump sum benefit in relation to fractured bones
• Lump sum benefit in relation to dental procedures
• Additional benefits as per policy wording.

This is a brief overview of policy features. Please refer to the policy wording below for full details of cover and exclusions.

Policy documents

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Patient care can be complex and can sometimes result in errors that may cause harm to patients. Health service providers may be held liable for personal injuries, resulting in costly settlements and legal expenses if sued.

Medical indemnity insurance covers Victorian public health service providers against claims for compensation for personal injuries arising from the provision of healthcare services.

Who’s covered?

• Victorian public health services and their employees
• Contracted registered health practitioners treating public patients of a Victorian public health service
• Students under the supervision of a registered health practitioner
• Locums whilst treating patients of a Victorian public health service
• Rural GPs and registrars under the separate Rural GP Medical Indemnity Policy:

This is a brief overview of policy features only. Please refer to policy wording below for full details of cover and exclusions.

What's covered

• Injuries (physical and mental) to patients arising from errors, or negligence by registered health practitioners while providing healthcare services
• Injuries to patients arising from errors, or negligence of students, under the supervision of registered and experienced staff, while providing healthcare services
• Liabilities arising from the administration of healthcare or first-aid at the scene of a medical emergency, accident or disaster, as a good representative of the general public
• Legal costs and expenses for defence and settlement of claims
• Participation in clinical trials and health and medical research - see guide below
• Any person acting on behalf of your organisation, including clinical workers, non-clinical workers and volunteers, when administering naloxone to a patient or person.

Risk rated premiums

Policy documents

Rural General Practitioners

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Motor vehicle insurance provides cover for loss or damage to insured vehicles and legal liability for damage to third-party property caused by insured vehicles.

Who’s covered?

Your organisation and anyone authorised to drive your fleet vehicles in the conduct of your organisation’s business.

What's covered

• Theft, accidental damage or malicious damage to an insured vehicle — we will repair, reinstate or replace it (based on its age, market value or sum insured in Schedule)
• Any legal liability arising from loss or damage to someone else’s property caused by an insured vehicle
• Hire costs following an accident or theft of an insured vehicle
• Excess-free windscreen cover on insured vehicles up to 5 tonnes.

This is a brief overview of policy features only. Please refer to the policy wording below for full details of cover and policy exclusions.

Instructions on how to use the Zurich ‘Z Track’ motor claims platform(opens in a new window)

Policy documents

Applicable to all VMIA motor insurance clients

Policy updates

The following changes have been made to the VMIA 2025-2026 Motor Vehicle Fleet policy.

• Under Section 17 - Extensions Applicable to all Sections of the Policy, Clause 17.13 Coverage for Eligible Emergency Resource Providers has been added to all VMIA Clients’ Motor Vehicle Fleet policies at no additional charge.
  • The purpose of this clause is to provide cover for Emergency Service Resource Providers (the Insured) if called upon by a Victorian Control Agency to assist State in an event of an eligible State Emergency. The cover provided by this clause has been sub limited to $10,000,000 with a $5,000 Excess to apply subject to policy terms, exclusions, and conditions of the policy wording.

More information

Here’s an infographic on Fleet Management tips and opportunities designed to assist with risk mitigation.

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

Property insurance provides cover for physical loss or damage to your property as a result of (for example) fire, explosion, vandalism, weather perils, earthquake, theft or accidental damage.

If your organisation owns or assumes responsibility for buildings, contents, watercraft, plant and machinery, this policy covers replacement or reinstatement costs in the event of damage. It also insures a resulting shortfall in revenue or increased costs to maintain your organisation's services.

Who’s covered?

Your organisation.

What's covered

• Loss of or damage to business premises and contents
• Damage to watercraft
• Loss or damage to goods while in transit anywhere in Australia
• Architects', surveyors' and consulting engineers' fees
• Statutory fees applicable to the rebuilding of damaged property
• Costs associated with the extinguishing fires
• Costs for demolition and debris removal, storage and disposal
• Costs for establishing temporary protection and safety of site, such as fencing and shuttering
• Replacement of locks following the theft of keys
• Loss or damage of tools, machinery, plant and equipment
• Loss or damage of stock, materials and merchandise
• Loss or damage to your staffs’ personal property held on premises
• Loss or damage to customers' goods and visitors’ property held on premises.

This is a brief overview of policy features only. Please refer to the policy wording below for full details of cover and exclusions.

Policy documents

Policy updates

The following changes have been made to the VMIA 2025-2026 Property policy:

The 1.2.2 Coverage for eligible emergency resource providers has been added to all general government clients’ Property policies at no additional charge.

The purpose of this clause is to provide cover for Emergency Service Resource Providers (the Insured) if called upon by a Victorian Control Agency to assist State in an event of a State Emergency. The cover provided by this clause has been sub limited to $10,000,000 with a $5,000 Excess to apply subject to policy terms, exclusions, and conditions of the policy wording.

More information

To help minimise your claims exposure, please refer to our infographic:

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

All Victorian government schools are covered by our insurance purchased by the Department of Education (DE). However, this cover has several limitations which may not address risks for schools using this as their only form of protection.

We recommend you review your school’s current risks and exposures, to decide whether you need additional insurance.

If your school has not received any insurance documentation, please log into our portal(opens in a new window) to download or email us at contact@vmia.vic.gov.au

We have developed insurance tailored to support School Councils. Read below for more detail.

Guides & frequently asked questions

If you need assistance to determine your total asset value, please read:

What's covered, policies & updates

This insurance provides a broad range of cover for School Councils and includes:

Property

Covers physical loss or damage to School Council property (including electronic equipment) as a result of fire, storm, vandalism, burglary and accidental damage.

School Council property covers:

• Buildings*, playground equipment, unregistered vehicles, leased office equipment, portable electronic equipment and all other contents (not otherwise insured) situated at the school
• Shade sails, solar panels, artificial playing surfaces and fencing
• Portable electronic equipment anywhere in Australia
• Money - up to $10,000
• Glass - replacement value
• Business interruption - up to $100,000
• Cost of re-writing records - up to $10,000.

*Buildings refers to over entitlement buildings that are partially/or fully owned by the school council.

The above items, up to the selected insured limits (refer to the 2025-2026 School Councils Insurance Guide linked above) are covered under the School Council Property policy.

Public and products liability for hall hirers and other users of school facilities

Covers venue hirers, community groups and other users of school facilities for their legal liability to third parties for personal injury or property damage arising out of activities at the school.

Group Personal Accident

Covers all enrolled students for accidental bodily injury that results in loss of life, permanent or temporary disablement, broken bones, or dental procedures.

Travel

2025 – 2026 Policy updates

As of 1 July 2025, the travel policy will be updated to include three categories: Interstate, Intrastate International, and travel. Intrastate travel will specifically cover journeys within Victoria and will have different insurance premiums compared to Interstate and International travel.

The Travel policy covers students and teachers for medical treatment, emergency medical evacuation, flight cancellation or lost luggage during overseas, interstate and intrastate (beyond 50km) school trips (excursions, camps, study trips).

School Council Motor Vehicle

Covers loss or damage to vehicles (sedans, light commercial vehicles, buses, and trailers) owned by your school and anyone who drives a vehicle for school business. Claims under this cover are to be submitted directly to Zurich Insurance as directed on our website.

Motor - Special Contingency Damage

Covers damage to motor vehicles and motorcycles owned or leased by the Insured Persons while parked in the school’s car park. Claims under this cover are to be submitted directly to VMIA.

Motor – Loss of No Claim Bonus

Covers loss of ‘no claim bonus’ and ‘excess’ for designated staff and volunteers in the event of an accident where their comprehensively insured private vehicle was being used on authorised school business anywhere in Australia. Claims under this cover are to be submitted directly to VMIA.

How to make a claim

• School Councils should log into the client portal(opens in a new window) and submit a claim as soon as possible for any circumstances or incidents that might result in a potential claim. If in doubt, please report it.
• For all School Council insurance claims, which include Motor — Special Contingency Damage and Motor — Loss of No Claim Bonus (see below for claims relating to motor vehicle accidents involving school-owned vehicles) please log in to the client portal and follow the steps to submit a claim.
• For motor vehicle accident claims involving school-owned vehicles, please login to the client portal and you’ll be directed to Zurich Insurance Group’s website. When making a claim, please quote the claims reference number - 32 VMIA002 GFT.
• If your vehicle needs towing, please call the Zurich Claims Team on 1800 611 372 (available 24 hours, 7 days a week).
• For common questions regarding claims, please refer to the School Councils Insurance Guide and our frequently asked questions:

More information

For more information about your insurance policies, please log into our portal(opens in a new window) or email us at contact@vmia.vic.gov.au

For the right advice on your risk exposure please email us at contact@vmia.vic.gov.au