Public & Products Liability
As the organiser of a single one-off community or family event, our Community & Family Event Public & Products Liability Insurance will protect you against claims for personal injury or property damage against your organisation by members of the public who attend your event.
Examples of events:
- Street parties
- Festivals
- Fairs
- Fundraisers
- Gatherings
- Community Celebrations
- Youth Events
- Cultural exhibitions
Policy Wording: Community & Family Event Public & Products Liability
Cover includes ‘bump-in’ and ‘bump-out’ activities to set-up or back-down your event.
Endorsements
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 Public & Products Liability 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 Community & Family Event Public & Products Liability policy.
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:
Endorsements
LCIS01 DEFINITIONS
2.21. You, Your or Insured (c) is amended to read as follows:
Any director, executive officer, Employee, voluntary unpaid worker which includes committee members, office holders, managers of You but only while acting within the scope of their duties in such capacity.
Exclusions
LCIS05 PARTICIPATION EXCLUSION
Personal Injury 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 Property Damage caused by or arising out of your negligence as a property owner or lessee or manager of the premises or facility.
LCIS07 SEXUAL MOLESTATION
Any claims arising from, contributed to by or in connection with sexual and/or child assault, abuse, molestation or attempt thereat. Furthermore, We will not indemnify You for ‘1.3 Supplementary Payments’.
LCIS08 AMUSEMENTS EXCLUSION
Any claims arising from, contributed by or in connection with:
- Animal rides;
- Amusement rides and/or devices of any description;
- Inflatable recreational equipment.
LCIS16 COUNCIL LIABILITY EXCLUSION
This Policy does not indemnify any council for their legal liability arising from the use, operation or provision of any council facilities provided for hire, use or operation by others or for any other business conducted by council in connection with such facilities.
LCIS25 INFECTIOUS OR COMMUNICABLE DISEASE, BACTERIA AND VIRUS POLICY CONDITION
We will not cover Personal Injury as a result of your reckless disregard of any guidelines, principles or instruction issued by the Australian Government, relevant State or Territory Government, the New Zealand Government or any other relevant Government jurisdiction you operate in, regarding any infectious or communicable disease, bacteria or virus.
LCIS26 SANCTIONS LIMITATION AND EXCLUSION CLAUSE
The following amendment is made to the Policy:
Exclusion 3.21 is deleted and replaced with the following:
We will not be liable to provide any cover, pay any claim or provide any benefit under this Policy, to the extent that to do so may expose Us to any sanction, prohibition, or restriction under United Nations resolutions or any applicable trade or economic sanctions, laws or regulations of any country.
The above statements are issued as a matter of information only and for full terms and conditions you should refer to the policy wording.