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Insurance summary table

Insurance typeEligible for coverNot eligible for cover*CLM requirements
Public liabilityCLMs managed by a statutory land manager (SLM) and Commons TrustsCLMs managed by a corporation^ or a councilCover includes public and products liability, professional indemnity and directors and officers liability. Conditions and exclusions apply.
PropertyCLMs managed by a statutory land manager (SLM) and Commons TrustsCLMs managed by a corporation^ or a councilConditions and exclusions apply.
VolunteersCLMs managed by a statutory land manager (SLM) and Commons TrustsCLMs managed by a corporation^ or a councilThe Treasury Managed Fund (TMF) provides cover for voluntary workers while undertaking authorised CLM activities.
Conditions and exclusions apply.
CLMs MUST obtain insurance cover for volunteer activities not covered by TMF. 
Off-reserve activitiesCLMs managed by a statutory land manager (SLM) and Commons TrustsCLMs managed by a corporation or a councilCLMs not eligible MUST obtain insurance relevant to any off-reserve activities NOT relating directly to the reserve.
Liability and personal accident cover for volunteer workers can be extended to cover off-reserve activities that are carried out for the purposes of the reserve. 
Conditions and exclusions apply
Workers compensationNot coveredNot covered

Where a CLM has paid employees, it MUST:

Motor vehiclesNot coveredNot coveredVehicles owner by the CLM MUST be insured for third party property damage and CTP insurance. The CLM should also consider relevant insurance, such as comprehensive insurance.  
Contractors or sub-contractorsNot coveredNot coveredCLMs MUST ensure that contractors and subcontractors have the necessary insurance before entering the site. A Certificate of Currency should be requested to confirm their insurance cover.
If the contractor/subcontractor does not provide evidence of insurance, the CLM MUST NOT enter into the contract.

*Not eligible for cover – CLMs that are NOT eligible for cover through the Treasury Managed Fund (TMF) MUST obtain their own insurance.

^Corporations – cover is not usually provided to CLMs managed by a corporation. With prior approval, however, cover may be granted when activities of the corporation are not profit-making and the corporation cannot afford to maintain its own insurance. If you believe you are eligible please contact the Insurance Team.

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