Event Insurance for Community Groups

Excluded activities under One-off Event General Public and Product Liability Insurance: What's not covered

When securing event Insurance, it is essential to understand which activities are excluded from coverage. This knowledge helps you plan effectively, avoid unexpected risks, and ensure you have the appropriate protection.  In the event of a claim, if you have engaged in an excluded activity, the Insurer may refuse to pay the claim, leaving you personally responsible for any costs, including damages, legal fees, and other expenses.

In addition to the below list, please carefully review the Policy Wording and Endorsements, which detail the terms and conditions of the Policy.

Animals

❌Animal Show / Animal Auctions / Farm Sales

❌Dog/Cat Show

❌Petting Zoo

❌Cattle Drives or Parades

❌Rodeos

Children and Family

❌ Santa Photos

❌Youth Camps

❌Kindergym/Play Centre

Community Business

❌Press Conference

❌Startup Pitch Event

❌Tool/Electrical Goods Lending/Fixing

❌Trade Show

❌CPR Training/First Aid Courses

❌Trade Show

❌ Technology Expo

Community Fairs and Festivals

❌ Fire Show / Performance / Dancing / Spinning / Fireworks / Pyrotechnic Displays

❌Ice Bath / Big Freeze

❌Kite Flying

❌Obstacle Course

❌Tractor Rides/Pulls/ Lawnmower Racing/ Tractor Pulls / Hay Wagon Pull Races

❌Rally/Car Rally

❌School Fair / Fete

Parties / Events / Galas

❌Bachelor and Spinster Ball (B&S)

❌School Formals and Afterparties

❌Schoolies/Leavers

❌University Ball

❌Ladies' Day

❌Hens & Bucks / Bachelorette Parties

❌Blue Light Disco/Disco Parties

❌Music Dance Party

❌Vegas Night (Casino Night)

❌Pub Crawl

❌Bonfire / Open Fire

❌Pool Party

Recreation and Leisure

❌Boat Show

❌Escape Room

❌Camping

Religion/Church

❌ Jehovah's Witness Door-to-Door Ministry

❌ Pilgrimages 

❌ Religious Retreat

❌Spiritual Workshop

Sport

❌Acrobatics

❌Archery

❌Billycart and other gravity powered vehicles

❌Bushwalking /Hikes

❌Charity Swim

❌Cheerleading

❌Childrens Gymnastics / Calisthenics

❌Children Sporting Tournament / Carnival / Sports Day

❌Circus

❌Cycling

❌Darts Tournament/Competition

❌Diving

❌Equestrian / Gymkhana / Horse Racing, Dog Racing, Camel Racing

❌Fitness Challenge

❌Fishing/Fishing Competition/Angler Fishing

❌Golf Days

❌Horse Racing, Dog Racing, Camel Racing

❌Ice Hockey

❌Ironman/Surf Lifesaving Competition

❌Kabaddi

❌Kids Surf Life Saving Competition/Activities

❌Lawn Bowls

❌Motor sports

❌Polo Event

❌Pool Party

❌Race Meeting/ Racecourse Operations

❌Rockclimbing

❌Rodeo

❌Roller Derby

❌Rugby

❌Sailing / Yacht Club Operaiton / Ocean Racing

❌Shooting/Hunting Competitions

❌Skate / BMX / Scooter Competitions

❌Skydiving/Abseiling (Sponsored Extreme Challenges)

❌Sporting Competitions of Any Kind For Financial Reward

❌Sporting Events Athletics(Long Jump, High Jump, Triple Jump, Pole Vault, (Discus, Shot Put, Javelin, Hammer Throw)

❌Sports in Swimming Pool (Waterpolo, Aqua-aerobics etc)

❌Stand Up Paddle Boarding

❌Swimming Carnival / Competition

❌Trampolining

❌Weight Lifting Competition

❌Whip Cracking

❌Wood Chopping/Log Chopping

If you are undertaking any of the following please make sure you consult with us before proceeding:

⚠️ Tree Planting/Environmental Cleanup

⚠️Traditional Smoking Ceremonies

⚠️Sporting Festival/Game or Sports Tournament/Sport Club Presentation Night

⚠️Religious and Spiritual Festivals/Events (Baha'i, Buddhist, Christian, Hindu, Islamic, Jewish, Sikh, Holy Communion, 

⚠️Mardi Gras

⚠️Lunar New Year/Australia Day Celebration (With Alcohol)/ Cultural Food and/or Wine Festivals, Halloween

⚠️Childrens Play Group

⚠️Agricultural Shows

⚠️Science Fair

⚠️Workshop/Retreat

⚠️Political/ Lobbying/ Protest Rallies/Protest marches

Please note: This is not an exhaustive list of all excluded activities.  If you have any questions regarding the acceptance criteria, are uncertain about your Policy cover, or if your intended activity is not mentioned, we encourage you to contact us for further clarification.

Endorsements: General Public and Product Liability Insurance for One-off Community and Family Events

These are amendments which tailor the standard wording to reflect the risks of most community groups and most give a wider scope of operation to the base General Public and Product Liability Insurance Policy.

Although certain risks are excluded in one Policy it does not mean they can’t be covered either by an amendment which may result in a higher premium or an additional Policy that is specific to cover that particular risk.

Below are the Endorsements applying to our General Public and Product Liability Insurance for One-off Community and Family Events.

The following Endorsements and Exclusions attach to, and form part of the QBE General Public And Product Liability Insurance Policy Wording QM8341-1223:

LCIS01 DEFINITIONS
The following amendment is made to section ‘5. Definitions’ of the Policy:

5.21 You, Your, Insured (a) is deleted and replaced with the following:

(a) any director, executive officer, Employees, voluntary unpaid worker which includes committee members, office holders, and managers of You, while acting within the scope of their duties.

LCIS06 PARTICIPANTS IN SPORT, GAME OR AMUSEMENT EXCLUSION
The following additional Exclusion is added to section '2. What you're not covered for' of the Policy: We don't cover your liability for or arising out arising out of the participation of any person in any sport, game, or amusement involving bodily contact with persons, machines or devices.

LCIS08 AMUSEMENTS EXCLUSION
The following additional Exclusion is added to section ‘2. What you’re not covered for’ of the Policy: We don’t cover any claims arising from, contributed by or in connection with: (a) animal rides; (b) amusement rides and/or devices of any description; (c) inflatable recreational equipment.

LCIS16 COUNCIL LIABILITY EXCLUSION
The following additional Exclusion is added to section ‘2. What you’re not covered for’ of the Policy:

This Policy does not indemnify any council for their legal or vicarious liability from the use, operation or provision of any council facilities provided for hire, use or operation by others for any other business conducted by council in connection with such facilities.

LCIS31 FIREWORKS / PYROTECHNICS EXCLUSION
The Insurer shall not be liable in respect of Personal Injury or Property Damage arising from or contributed to by the use, handling, transportation or storage of any fireworks or pyrotechnic or incendiary device. But this Exclusion does not apply to the Insured’s own liability for any act or omission of any contractor or subcontractor provided that prior to the Insured incurring liability such contractor or sub-contractor shall have produced evidence of public and products liability insurance covering such liability for a minimum limit of indemnity of $5,000,000.

LCIS32 TOTAL LISTED HUMAN DISEASE EXCLUSION
The following exclusion is added to the policy: We don't cover your legal liability or any other benefit, cost or expense arising directly or indirectly out of, contributed to by, resulting from or in connection with any listed human disease determined under section 42 of the Biosecurity Act 2015 (Cth) or any Subsequent 32 Confidential The content of this document is confidential. It contains commercially sensitive material, which may disadvantage QBE if it is disclosed to its competitors. This document may not be given to any third party without the prior written consent of QBE. Legislation. For the purposes of this exclusion, ‘Subsequent Legislation’ means:

 · An act or regulation as amended, replaced or re-enacted;

 · Where an act or regulation has been repealed, the current equivalent act or regulation (Commonwealth, State or Territory) with materially the same object or purpose whether in whole or in part.

LCIS33 PROPERTY IN CUSTODY OR CONTROL (AMENDED SUB LIMIT)
The following amendment is made to section '2. What you're not covered for' of the Policy: '2.17 (f). ‘Property in custody or control’ is deleted and replaced with the following: other property temporarily in your physical or legal control, but we won't cover physical damage or destruction of any property you have been working on and our limit under this exclusion 2.17 (f) does not exceed $250,000 for any one Occurrence and in the aggregate for any one Policy Period.

Testimonials: Discover why passionate people from community groups like yours rely on us for Insurance and risk management advice.

⭐⭐⭐⭐⭐

“The Nippy’s Loxton Gift Committee have utilised the services of LCIS for its one day event Insurance coverage for the past few years.

The service provided by the team has been exemplary. With no expert Insurance staff on our committee, we relied on LCIS to guide us through the process. They answered all of our questions and provided key information for our event. We were able to secure a one day Insurance coverage policy, and importantly within our budget, on the same day.

We highly recommend LCIS to any community group looking for advice and Insurance for events or functions they are managing.”

- Robyn Cusick, Nippy’s Loxton Gift Committee
 

⭐⭐⭐⭐⭐

“When I made enquiries with LCIS to discuss options for a public liability policy for my fundraising event each email/phone call interaction with Melissa was a more than a satisfactory experience.

In fact, she made the process one that was seamless and supportive. I thought that such a process might be difficult but this was not the case.

Many customers like to complain, but I am one who also takes the time to share the good experiences too. Great work Melissa.

I lost my father to suicide a year ago hence my fundraising community event to raise awareness and funds to donate to Beyondblue.

Our interactions were done not long after my Father’s passing and you helped me do what I had planned.”

- Simone, Fundraising Event Organiser

Download brochure: General Public and Product Liability Insurance for One-off Community and Family Events

Discover the protection we can arrange for local communities with our Event Insurance brochure. This essential guide provides high level information on how your community organisation can help safeguard against potential risks and liabilities arising from everyday activities and events as a result of your negligence. 

Explore cover options designed specifically for local councils, community groups, and organisations.

⬇️ Event Insurance Flyer