Even with the best of intent and rigorous attention to minimising risk, accidents still happen. Because an accident is an unexpected and unintended event that happens despite all of your planning, a responsible organisation must mitigate extremes by having insurance. Insurance is a tangible expression of respecting and protecting those that interact with your group by going through the processes to reduce risk and in the worst case diminishing financial hardship.

It’s an interesting experience purchasing insurance, it puts you in the mind of buying a lottery ticket and hoping it doesn’t win. It can be a painful experience handing over hard earned dollars, to pay for annual insurance premiums when nothing has gone wrong. BUT, when something goes wrong, you will be glad you had the foresight to organise insurance.

Our Community is a world-leading social enterprise that provides resources, advice, tools and training for Australian community groups. Amongst its amazing range of on-line resources there are 13 fact sheets dedicated to insurance and risk management. The fact sheets help groups work thorough the confusing language and understand the choices available to them.