Not for profit insurance

Protection to pay or defend claims when your organisation is facing payment of damages for property damage, or personal injury to participants or members of the public

• Claims are managed by specialists with years of experience in the NFP sector
• We walk with you at every step through the claims process.
• Expert panels of assessors and legal advisors are engaged to resolve matters, minimising damage to your organisation’s reputation

24/7 personal accident cover for your volunteers while engaged in Volunteer duties on behalf of your organisation. Protection for those who freely give their time for the sake of your cause, if they are injured while carrying out unpaid duties

• Covers loss of income, total or permanent disablement, cost of domestic home help, cost of student tutorials, non-Medicare medical expenses

Protect your building and contents against loss, destruction or damage.

• Buildings can be repaired and contents replaced or hired for an immediate return to operations 
• Talk to us about Business Interruption cover which can cover loss of profits following a claim, or provide additional funds to hire an alternative premises to keep you operational after a loss

Specifically designed to protect your organisation and its representatives against legal costs and claims for damages from an act, omission or breach of professional duty

This is a broad cover that could include claims for matters arising from wrongful advice, teaching, pastoral counselling, content in publications,, social media commentary, broadcasts or even inadvertent breach of copyright

• Cover that recognises NFP and charity activities
• Prompt attention to claims
• Access to panel lawyers who are experts in the field of professional indemnity matters who can help protect the organisation from reputational damage, minimise claim costs and seek to avoid unnecessary litigation

Protects executive and non-executive directors, and the organisation against claims resulting from a wrongful act

This product has been specifically designed to protect NFP and charity organisations against a wide range of exposures they face. These can include breaches of taxation law, unfair dismissal claims or other employment practice breaches, occupational health and safety claims, managing public relations, statutory liability matters, employee crime and embezzlement

• Appropriate cover, prompt attention to claims and access to experts in the field can protect your organisation and its Directors from reputational damage, minimise claim costs and seek to avoid unnecessary litigation

Addresses exposure from internet fraud, hacking, virus, and data or privacy breaches.

Covers you in the event your computer systems are disabled due to cyber attacks, being held to ransom, financial systems disabled, unable to accept donations, unable to carry out necessary charity operations, stolen funds due to social engineering scams, private and sensitive information being accessed or leaked resulting in possible privacy breach fines and penalties.

• Third Party Claims covers you against claims from others, from failing to keep their data secure. This includes claims for compensation, investigations, defence costs, and fines or penalties from breaching the Privacy Act 
• Business Interruption provides reimbursement for loss of profits resulting from the breach, as well as any other additional necessary expenses you have to continue business as usual
• First Party Costs reimburses you for costs you incur to respond to a breach, such as IT Forensic Costs, Credit Monitoring Costs, Public Relations Expenses and Cyber Extortion Costs (including ransom payments to hackers)

Cover for loss or damage to cars, vans, buses, trucks,trailers or motor vehicles owned by your organisation, or damage to a third party’s property

• Tailor the level of cover you need from third party damage to fully comprehensive cover on your organisation’s vehicles
• Options to include cover for Comprehensive cover can also provide hire vehicles following a claim, so you can continue to be mobile
• Priority treatment to minimise disruption and inconvenience to your organisation’s programmes

Bespoke corporate travel insurance for travel related to your NFP or charity. This covers you for financial loss due to trips needing to be cancelled due to illness or injury, costly medical expenses if a team member is injured while travelling, lost, stolen or damaged baggage while travelling, excess if a hire car is damaged, repatriation in the event of a significant claim. Enhanced Corporate Travel cover which includes protection against specific Covid-related losses if an insured person contracts Covid whilst travelling

• We can tailor this cover according to your needs.
• From group policies to cover entire teams on mission, to personal cover for leisure travel
• Get peace of mind knowing all travellers are protected with one insurer to deal with
• Personal effects, baggage and equipment can be quickly replaced

Cover for medical expenses, treatment and rehabilitation costs that relate to a work injury. Government legislation requires all organisations who employ must have Workers Compensation Insurance.

• ACS Financial can source Workers Compensation Insurance in ACT, TAS, WA, NT. All other states should refer to government-approved providers
• Options for different insurers, with price comparisons
• We assist you with the completion of declaration forms
• Protection for employees if they’re injured at work
• Solutions to cover Working Directors who may not be covered by Workers Compensation policies in certain states of Australia