Insurance

Radio Margaret Studio

Radio Margaret River 

Insurance for community broadcasters

We’ve partnered with KBI Specialty Insurance Brokers (KBI) to provide members with exclusive and specialised insurance offerings.   

Community broadcasters have unique risks and should consider insurance policies that are tailored to their needs. Working together closely with the CBAA, KBI offers a tailored and robust insurance program for members. 

Coverage Options

KBI’s coverage options include: 

  • Association Liability - Tailored insurance product offering a number of beneficial coverage sections including Directors & Officers, Employment Practices, Crime, Statutory Liability, and more.

  • Media Liability (including defamation) - Protection against defamation, copyright infringement, privacy concerns, and more. Every CBAA member should consider media liability coverage.

  • Public Liability - A staple requirement for nearly every organisation, this coverage protects against claims made for property damage and personal injury to third parties caused by your negligent acts.

  • Voluntary Workers - Coverage extends to protect your volunteers if they are injured while undertaking voluntary work for your association or not-for-profit. This cover can also be an additional layer of protection for the board.

  • Property & Equipment - Cover for broadcasting and transmission equipment, including outdoor broadcasting equipment, as well as laptops, and other office equipment or contents. 

  • Cyber - A must-have for any organisation holding data or operating online, covers can include costs and losses incurred as a result of cyberattacks, incident response costs, business interruption, liability, and cybercrime. 

About CBAA and KBI

KBI is a locally owned insurance broker, with offices in Sydney, Melbourne, and Perth, that specialises in providing tailored insurance offerings to associations and their members. They work in niche areas where they can tailor their offerings, advice and support to help their clients make an informed decision. As CBAA's endorsed insurance partner, KBI offers unique support to community broadcasters.

Our partnership with KBI Specialist Insurance Brokers (KBI) supports our members. While KBI may choose to sponsor or support specific CBAA activities aimed at advancing the industry, it is important to note that CBAA does not receive any direct financial incentives or benefits from KBI as part of this relationship. KBI PTY LTD is an Authorised Representative (450152) of KBI Group Pty Ltd (ABN 56 167 437 121, AFSL 494792). 

Any advice in this content is general in nature and does not take your personal circumstances into account. When considering the purchase of an insurance policy, you should consider whether the advice is suitable for you and your personal circumstances. Before you make any decision about whether to acquire a certain product, you should obtain and read the KBI Financial Services Guide and relevant product disclosure statement.  

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KBI Case Study image

Case Study: Strengthening Governance After a Claim

When a volunteer-run community radio station faced a serious defamation as a result of a governance decision, the consequences were significant — legally, financially and culturally. This anonymised case study walks through what happened, how the claim unfolded, and the critical role Association Liability insurance played in protecting the station from more than $170,000 in legal and settlement costs. Most importantly, it shares the practical governance lessons that emerged, including the need for clear policies, procedural fairness and careful communication. It’s a powerful reminder that even well-intentioned decisions can carry risk, and that strong governance frameworks are essential for every community broadcaster.

Read Case Study

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