Local Community Insurance Services - Community Association Insurance; Voluntary Workers Insurance; Volunteer Personal Accident Insurance; Risk Management Process; Risk Management Insurance; Community Group Risk Management.

Do I need Public and Products Liability cover?

It is really important you have both Public & Products Liability under the one insurance policy. Some insurance providers only offer Public Liability, which means you are not covered for the products you sell. This is important because if your products injure someone, cause someone to become ill, or damage property you could be found liable, but without the Products Liability components in the policy you do not have any cover for this risk.

For example, if you put on a sausage sizzle fundraiser and the sausages you sell to the public are not cooked properly and cause those people to become seriously ill, this policy will cover you. However, if you only had public liability cover only and not products, the policy would not respond in this instance and you could be required to pay compensation out of your own pocket. Examples of what Public & Products Liability insurance covers

Our additional policy benefits

• Property whilst in the physical or legal control of the Insured (Limit $250,000)
• Voluntary workers included under the definition of Insured
• 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;
• Cover includes the organising of small community events (up to 500 people). To ensure your event/s are adequately covered please notify us of the event details as some exclusions apply.

Covering sub groups, sub-committees & branches

This policy provides cover for the insured named on the policy only. The policy does not cover the legal liabilities of any other group, business, committee or individual who is not part of the named insured organisation. Related organisational groups can be added to a policy as sub-groups or sub-committees on the basis that:

• They are not incorporated.
• They should not have their own independent bank account. There should be a bank account set up by the umbrella body on behalf of the sub group.
• A member of sub-group or sub-committee must sit on the parent group management committee or submit reports to the parent group management committee for governance.
• Groups share similar interests/activities.

If the related organisations meet each of these then they can be noted on the policy schedule as covered. An additional assessed base premium plus taxes and statutory charges would be charged for each related group.

Stallholders

It is really important that you have both Public & Products Liability under the one insurance policy.

Some insurance covers only offer Public Liability, which means you are not covered for the products you sell. This is important because if your products injure someone, cause someone to become ill, or damage property you could be found liable, but without the Products Liability component in the policy you do not have any cover for this risk.

Our policy covers both Public and Products Liability:

• Product liability which protects you if the goods you sell cause an injury or sickness to your customers; and
• Public liability which protects you if you cause an injury to someone in the vicinity of your stall, or you cause damage to third party property.

However, we cannot provide cover through LCIS for stallholders selling certain products/services. Please click on the link below for a full list of excluded produces/services: Activities and/or products not covered by this insurance

As the LCIS focus is on not-for-profits and community groups we are unable to arrange cover to businesses.

Examples of what Public and Products Liability doesn’t cover:

• People injured in the normal course of playing a sport however it does cover incidents where your organisation has mis-managed the premises. For example if a cricket pitch has not been covered with enough sand and a footballer injures their knee by hitting the pitch during a game.
• Personal Accident for your volunteers. Our Volunteer Workers Personal Accident policy will cover this.
• Claims for financial damages made against your organisation by a third party. You may require Association Liability policy to cover these circumstances.

Covering sub groups, sub-committees & branches

This policy provides cover for the insured named on the policy only. The policy does not cover the legal liabilities of any other group, business, committee or individual who is not part of the named insured organisation. Related organisational groups can be added to a policy as sub-groups or sub-committees on the basis that:

• They are not incorporated.
• They should not have their own independent bank account. There should be a bank account set up by the umbrella body on behalf of the sub group.
• A member of sub-group or sub-committee must sit on the parent group management committee or submit reports to the parent group management committee for governance.
• Groups share similar interests/activities.

If the related organisations meet each of these then they can be noted on the policy schedule as covered. An additional assessed base premium plus taxes and statutory charges would be charged for each related group.

Stallholders

It is really important that you have both Public & Products Liability under the one insurance policy.

Some insurance covers only offer Public Liability, that means you are not covered for the products you sell.

Download LCIS Stallholder Flyer

This is really important because if your products injure someone, cause someone to become ill, or damage property you could be found liable, but without the Products Liability component in the policy you do not have any cover for this risk.

Our policy covers both Public and Products Liability.

We cannot provide cover through LCIS for stallholders selling certain products/services. Please click on the link below for a full list of excluded produces/services: Activities and/or products not covered by this insurance

As the LCIS focus is a community groups we are unable to provide cover to businesses.

This policy does not cover claims arising from the use by buskers of knives, swords (including theatrical knives and swords) or any activity involving the use of fire.

Additionally, you need to be aware there are specific exclusions under LCIS PPL Policy coverage in relation to the following:

• Children’s rides and animal rides
• Any amusement rides and devices
• Inflatable recreational equipment.

Liability Limit

This is the total dollar value your policy will cover you for. Most lease/hire agreements for premises or facilities will require an insurance policy limit of at least $10M. However where you have a crowd exposure the risk is increased from a single incident to one that would cause injury to many people, which means you should consider a higher cover limit of at least $20M.

Examples of crowd exposures

• providing food at either a community dinner, a stall at a community event, a fundraising BBQ or night market
• where you organise a community or family event such as a birthday, engagement, wedding or reunion

The bigger the event the greater the risk that $10M cover may not be enough. By opting for a $20M cover you are in effect doubling your protection for only approximately a 25% increase in total premium cost inclusive of all fees and charges.

Excess

An excess is the additional dollar amount you are required to pay when your policy covers you for a claim made against you. To find out how much excess your policy has, check your Policy Schedule in respect of each claim type.