| Insurance type | Eligible for cover | Not eligible for cover1 | CLM requirements |
|---|---|---|---|
| Public liability | CLMs managed by a statutory land manager (SLM) and Commons Trusts | CLMs managed by a corporation2 or a council | Cover includes public and products liability, professional indemnity and directors and officers liability. Conditions and exclusions apply. High risk, commercial and illegal activities are not covered. For incident’s that occur on or after 1 July 2024, the minimum claimable amount for a liability claim is $1000. |
| Property | CLMs managed by a statutory land manager (SLM) and Commons Trusts | CLMs managed by a corporation2 or a council | Conditions and exclusions apply. For incidents that occur on or after 1 July 2024, a $300 (exc. GST) deductible is now applicable for all loss or damage claims. |
| Volunteers | CLMs managed by a statutory land manager (SLM) and Commons Trusts | CLMs managed by a corporation2 or a council | The Treasury Managed Fund (TMF) provides cover for voluntary workers whilst undertaking authorised trust activities. Conditions and exclusions apply. CLMs MUST obtain insurance cover for volunteer activities not covered by TMF. The minimum claimable amount is $300. |
| Consequential loss | CLMs managed by a statutory land manager (SLM) and Commons Trusts | CLMs managed by a corporation2 or a council | Consequential loss is assessed on a case by case basis and can be covered in the event of:
The minimum claimable amount is $300. |
| Off-reserve activities | CLMs managed by a statutory land manager (SLM) and Commons Trusts | CLMs managed by a corporation2 or a council | CLMs 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 The minimum claimable amount is $300. |
| Workers compensation | Not covered | Not covered | Where a CLM has paid employees, it MUST:
|
| Motor vehicles | Not covered | Not covered | Vehicles owner by the CLM MUST be insured for third party property damage and CTP insurance. The CLM should also consider other relevant insurance, such as comprehensive insurance. |
| Contractors or sub-contractors | Not covered | Not covered | CLMs 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. |
| Cyber Liability | CLMs managed by a statutory land manager (SLM) and Commons Trusts | Not covered | Cyber exposures are supported within the TMF Statement of Cover and assessed on a case by case basis. Conditions and exclusions apply. |
1Not eligible for cover – CLMs that are NOT eligible for cover through the TMF must obtain their own insurance.
2Corporations – cover is not usually provided to CLMs managed by a corporation however, with prior approval 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, contact the Insurance team.