AFL Umpires

Volunteer Club Umpires and League Appointed Umpires

Download Current PolicyClub Management LiabilityAsset Protect

Who is Covered

All volunteer club umpires, Football Leagues with internal umpiring divisions and Umpires who form part of an Umpiring Association are eligible for cover.

What is Covered

All volunteer club umpires are covered under the Australian Football National Risk Protection Programme to the level of cover taken out by their club. Speak with your Club to find out what cover they are currently using.

Football Leagues with internal umpiring divisions and Umpires who form part of an Umpiring Association* are provided automatic Personal Injury cover at Bronze Level.

Bronze Level Cover

  • Non-Medicare Medical Costs
    • 50% Reimbursement
    • $2,000 max. per claim
    • $100 excess per claim
  • Capital Benefits
    • $100,000*
  • Quadriplegia/
    Paraplegia Benefit
    • $1,000,000 maximum

*For terms and conditions and further details on our policies and benefits contact Marsh on 1300 130 373

Please keep in mind

Personal Injury cover is a policy for injuries occurring due to an accident. It is not a sickness or illness policy.

Personal Injury cover can pay for Non-Medicare Medical Expenses. These include physio, chiro, dental, ambulance transport and private hospital accommodation.

Personal Injury cover is not Private Health Insurance or Life Insurance.


It is strongly recommended that all players investigate their personal insurance needs. Players should consider the benefits of:

  • Private health Insurance
  • Life Insurance
  • Loss of Income (particularly for self-employed players)
  • Ambulance Subscription


Upgrading cover is optional and is available for teams or individuals. Upgrade options include:

  • Increasing Non-Medicare benefits
  • Adding Loss of Income cover

Some States and Leagues do this automatically so check with your club what level of benefits you qualify for.


Summary of Cover Policy Wording

Find out more. Call Marsh on 1300 130 373


A Personal Injury claim form is located on the Downloads page of this website or can be obtained by contacting Marsh directly on 1300 130 373.

Claim Form Make a Claim Online