Public & Products Liability Insurance
This policy provides your club or community group with an indemnity against all sums which you become legally liable to pay by way of compensation for bodily injury and/or property damage to the public resulting from an occurrence which arises from your negligence or the negligence of your members, including voluntary workers, engaged on behalf of the club or community group.
- Additional policy benefits
- Property whilst in the physical or legal control of the Insured (Limit $100,000);
- Voluntary workers;
- Tenants Liability;
- Car Parking Liability;
- Interest of Landlords;
- Cross Liability;
- Professional Liability in respect of:
- Medical Persons employed to provide first aid or other medical services on premises;
- Professional advice or service where no fee is charged;
- Coaches, Instructors, Trainers (both paid and unpaid).
- Exclusions to cover
- Employment Liability;
- Property in Custody and Control (beyond $100,000);
- Product Defect;
- Loss of Use;
- Product Recall;
- Aircraft, Aircraft Products and Watercraft;
- Vehicles;
- Contractual Liability;
- Professional Liability (except as detailed above);
- Libel and Slander;
- Pollution (sudden and unintended not excluded);
- Territorial Limits – excludes actions brought in USA/Canada;
- Exports to USA/Canada;
- Asbestos;
- Faulty Workmanship;
- Fines, Penalties;
- Punitive Damages;
- Assault and Battery;
- Defect in Design;
- Inefficacy of Computers, Software and Computer Consulting;
- Treatment and Dispensing;
- Child Molestation;
- Amusement devices;
- Security Personnel
- Terrorism
Broadform Liability Insurance Policy
To view the Liability Insurance Policy, you will need a PDF viewer such as Adobe Reader installed on your computer.
View Broadform Liability Insurance Policy (200KB)
Endorsements to Broadform Liability policy not specifically arranged for Community Fairs or Festivals.
The following endorsements apply to the Broadform Liability Insurance Policy PDF document:
Page 5
- 1. Words with Special Meanings:
- You, your, insured is amended at paragraph (2) to read as follows:
- "Any Director, Executive Officer, Employee, partner or shareholder, Committee Member, Office Holders, Manager, Coach or Trainer employee of You or of the parties designated in paragraphs (1) but only whilst acting within the scope of their duties in such capacity".
- 1. Words with Special Meanings:
- Additional clauses are included under You, your, insured as below
- (7) All members of You which shall include any voluntary worker are deemed to be parties comprising The Insured provided that:
- it shall be a condition precedent to the liability of the Company that the member hereby indemnified shall comply with and be subject to the terms and conditions and limitations of this Policy as though such member were the Insured;
- the Limit of Indemnity shall apply inclusive of this endorsement.
- (8) Any Lessor/Landlord in respect of their liability arising from the activities of You or one of the parties shown in (1) or (2) whilst in occupancy of the leased/occupied premises, but subject always to the extent of coverage and the limit of liability provided by this policy. Indemnity will not be provided however where any claim arises from the negligence of the Lessor/Landlord.
Page 7
AMENDMENT TO PARAGRAPH 5 (g) PROPERTY IN YOUR CUSTODY OR CONTROL
- The sub-limit amount shown of $50,000 in this paragraph is deleted and replaced with a sub-limit amount of $100,000.
Page 7
AMENDMENT TO PARAGRAPH 12 PROFESSIONAL LIABILITY
- 12 Professional liability is amended to read as follows:
- “The rendering of or failure to render professional advice or service by You or any related error or omission; but this exclusion does not apply to:
- the rendering of or the failure to render professional medical advice by Medical Persons employed by You to provide first aid and other medical services on Your premises, or
- personal injury or property damage arising therefrom providing such professional advice or service is not given for a fee.
- personal injury or property damage arising from the actions of coaches/instructors/trainers paid or unpaid”.
Page 6
ADDITIONAL PARAGRAPHS TO POLICY SECTION – WHEN YOU ARE NOT COVERED
- 24 PARTICIPATION:
- Personal Injury or damage to property of any person caused by or arising out of the participation of such person or his/her property in any game, match, race, practice, trial, or other sporting activity (including but not limited to swimming, gymnastics, health and fitness activities); but this exclusion does not apply to:
- personal injury or damage to property caused by or arising out of your negligence as a property owner or lessee or occupier or manager of the premises or facility.
- 25 CHILD MOLESTATION:
- The molestation or interference with a minor or minors by
- You or any person comprising You
- any of Your employees, or
- any person performing any voluntary work on Your behalf.
- 26 AMUSEMENTS:
- Will not provide cover in respect of claims arising from:
- Children’s Rides, Animal Rides;
- Amusement Rides and Devices;
- Inflatable Recreational Equipment.
- 27 SECURITY PERSONNEL:
- Personal injury or property damage arising directly or indirectly out of or caused by security personnel.
- 28 TERRORISM:
- Terrorism as defined in the policy wording.
Endorsements to Broadform Liability policy specifically arranged for Community Fairs or Festivals, Street Parades, Residential Street Parties, Carols by Candlelight.
The following endorsements apply to the Broadform Liability Insurance Policy PDF document:
Page 5
- Words with Special Meanings:
- clauses are included under You, your, insured as below
- (7) All members of You which shall include any voluntary worker are deemed to be parties comprising The Insured provided that:
- it shall be a condition precedent to the liability of the Company that the member hereby indemnified shall comply with and be subject to the terms and conditions and limitations of this Policy as though such member were the Insured;
- the Limit of Indemnity shall apply inclusive of this endorsement.
- (8) Any Lessor/Landlord in respect of their liability arising from the activities of You or one of the parties shown in (1) or (2) whilst in occupancy of the leased/occupied premises, but subject always to the extent of coverage and the limit of liability provided by this policy. Indemnity will not be provided however where any claim arises from the negligence of the Lessor/Landlord.
Page 7
AMENDMENT TO PARAGRAPH 5 (g) PROPERTY IN YOUR CUSTODY OR CONTROL
- The sub-limit amount shown of $50,000 in this paragraph is deleted and replaced with a sub-limit amount of $100,000.
Page 6
ADDITIONAL PARAGRAPHS TO POLICY SECTION – WHEN YOU ARE NOT COVERED
- 24 PARTICIPATION:
- Injury or damage to property of any person caused by or arising out of the participation of such person or his/her property in any game, match, race, practice, trial, or other sporting activity (including but not limited to swimming, gymnastics, health and fitness activities); but this exclusion does not apply to:
- personal injury or damage to property caused by or arising out of your negligence as a property owner or lessee or occupier or manager of the premises or facility.
- 25 AMUSEMENTS:
- Will not provide cover in respect of claims arising from:
- Children's Rides, Animal Rides;
- Amusement Rides and Devices;
- Inflatable Recreational Equipment
- 26 SECURITY PERSONNEL:
- Personal injury or property damage arising directly or indirectly out of or caused by security personnel.
- 27 CHILD MOLESTATION:
- The molestation or interference with a minor or minors by
- You or any person comprising You
- any of Your employees, or
- any person performing any voluntary work on Your behalf.
- 28 TERRORISM:
- Terrorism as defined in the policy wording.
This description is issued as a matter of information only and for full terms and conditions you should refer to the policy wording.
We accept no responsibility whatsoever for any inadvertent or negligent act, error or omission on our part in preparing these statements or for any loss, damage or expense thereby occasioned to any recipient of this letter.