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Insurances
- Professional Indemnity Insurance (PII)
- Risk Management Guide
- Public Liability
- Associations Liability (formerly Directors and Officers) Insurance
- Office Pack insurance
- NACLC & State Associations policy
- State PII Reps
NACLC manages and coordinates a number of insurance schemes for the benefit of CLCs. Once a centre becomes a member of a State or Territory Association, they have the option of joining one or more of NACLC’s nationally negotiated and highly discounted insurance schemes, including Professional Indemnity Insurance (PII) and Associations Liability Insurance (formerly Directors and Officers Insurance), and are covered automatically by NACLC’s free Public Liability insurance.
NACLC works closely with AON Risk Services Australia Limited in Adelaide to provide these insurances. CGU Insurance is the current insurer, and have insured community legal centres since 2002.
Professional Indemnity Insurance (PII)
The NACLC bulk Professional Indemnity Insurance (PII) scheme and its associated Risk Management regime is a successful and cost-effective way for CLCs to manage both their risk and their PII. Almost 90% of centres participate in the scheme.
The Risk Management Guide, annual cross-checks and compulsory state PII meetings help individual Centres understand and manage risk in their legal practice, identify possible new risks and act to minimise risks and prevent and/or mitigate claims being made against them.
The scheme also gives centres and their people responsible for the legal practice access to an experienced PII state representative (and through them, the National PII Network) who can assist them with any questions they may have about their risk and managing their files and legal work. PII State representatives freely and generously give their time to supporting centre workers with risk and insurance issues and are a great resource for all but particularly for less experienced, lawyers and centres.
To contact a PII representative, please click here.
The PII Network maintains a list of each CLC’s Responsible Person/s.
Risk Management Guide
The Risk Management and CLC Practice Guide is now available for member CLCs only on the NACLC Members' page.
Public Liability
NACLC offers free public liability cover to all CLCs that are members of State or Territory Associations of CLCs. The national policy provides public liability cover to the limit of $20 million, at no cost to them.
Associations Liability (formerly Directors and Officers) Insurance
NACLC also offers a bulk Associations Liability Insurance scheme, and almost 80% of centres participate in the scheme.
The Associations Liability Policy covers CLCs’ Board Members (past, present and future) against any claims for ‘wrongful acts’ committed or alleged to have been committed by them in their capacity as Directors or Officers of the CLC. It also provides cover for the Legal Centre, Centre Manager and Board Members against Employment Practice Claims, such as wrongful dismissal or discrimination claims. The policy also covers the entity (i.e. the legal centre) itself. Claims for wrongful acts including defamation are also covered.
Office Pack insurance
As part of the negotiated services, CLCs are also able to take out if they wish a reduced price but comprehensive Office Pack insurance.
NACLC & State Associations policy
NACLC and the State Associations have a separate policy to that for CLCs. Associations covered are NACLC, QAILS, NSWCLC, The Federation of CLCS (Victoria), SACCLS and CLCA WA.
State PII Reps
| NACLC | WA (Chair) |
| ACT | NSW |
| NSW | NT |
| QLD | SA |
| TAS | Tas |
| VIC |
|