Event Public & Products Liability Insurance – Policy Wording

The insurer’s ‘Policy Wording’ sets out the actual coverage terms, conditions, limitations and exclusions provided under the policy. Please access these documents on the links provided and read them thoroughly in conjunction with your Policy Schedule and call us immediately if you require clarification on any issue.

Current Policy Wording:

Please refer to QBE – QM8341-1223 policy wording for:

Website: Public & Products Liability policies from 1 October 2024.

Offline: Public & Products Liability policies from 1 June 2024.

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Previous Policy Wording:

Please refer to QBE – QM8341-0922 policy wording for:

Website: Public & Products Liability policies between 1 March 2024 – 1 October 2024.

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Please refer to QBE Victor Insurance Broadform Liability QM6195-1120 policy wording for:

Website: Public & Products Liability policies before 1 March 2024.

Offline: Public & Products Liability policies before 1 June 2024.

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Difference in Conditions

This endorsement issued attaches to and forms part of the Insured’s Public and Products Liability Policy with QBE Insurance Australia Limited for the current period of Insurance as per the Schedule (and shall not apply to any subsequent periods of Insurance unless agree by QBE).

Extent of Cover

To the extent that under the insured’s previous public liability policy issued by QBE Insurance Australia Limited (the “previous policy”) where coverage existed which does not exist under this policy or was a broader coverage than the similar coverage which exists under this policy (the “difference in coverage”), QBE Insurance Australia Limited will pay the Insured the amount that represents the difference in coverage as if that coverage existed under this policy, subject to the conditions and limitations below.

Conditions and Limitations

QBE Insurance Australia Limited only agrees for the difference in coverage conditions to be payable if:

  1. the previous policy lapsed on the same date as this policy became effective; and
  2. QBE Insurance Australia Limited receives from the insured, prior to cover under this policy becoming effective, a complete copy of the previous policy including all relevant terms and conditions, endorsements, schedules and limits of indemnity; and
  3. all exclusions apply as agreed upon renewal
  4. any difference in coverage that may be payable under this policy is otherwise subject to the terms, conditions and limits of indemnity that applied under the previous policy.