Excluded activities under General Public and Product Liability Insurance: What's not covered
When securing General Public and Product Liability Insurance for your not-for-profit or community group, 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 Agistment Services
❌Any Animal Racing /Training, Racecourse Operation, Kennels And Sale Yards
❌Animal Breeding
❌Animal Clubs - Horse / Pony Clubs
❌Animal Control Including Feral Pests And/Or Vermin
❌Animal Exhibition / Show
❌Animal Racing Including Training, Kennels, And Sale Yards
❌Animal Quarantine Station
❌Animal Shows Of Any Kind
❌Animal Training And Behaviour/ Animal Training And/Or Obedience, Behaviour Control/Canine Obedience
❌Animal Welfare/Protection/Pound
❌Aquarium
❌Childrens Farms
❌Fauna Or Wildlife Park
❌Lost Dog Home
❌Pet Protection Society
❌Sale Of Domestic Animals
❌Sale Yards
❌Spraying Service
❌Therapy Dogs/Animals
❌Zoo
Children and Family and Community Services:
❌Adoption Services
❌Baby Sitting/Childminding
❌Blue Light Disco
❌Boy Scout Groups / Girl Guide Groups
❌Child Care/ Childminding Centre Operation / Childcare, Foster Care, Disability Care or Aged Care of Any Description
❌Children's Home Operation
❌Children's Nursery Operation
❌Children’s Indoor Or Outdoor Play Centres Or Playgrounds
❌Community House - Children and Family
❌Family Counselling
❌Family Day Care Service
❌Family Violence Shelters and Services
❌Financial Counselling / Money Management
❌Grief Counselling
❌Respite Care (Children)
❌Shelter for Homeless or Halfway Shelter
❌Playgrounds
❌Youth Camps
Community Care/Human Services
❌Accommodation For The Aged Operation
❌Adult Care
❌Alcohol and/or Drug Rehabilitation Services and/or Accommodation
❌Asylum Seeker Support Group
❌Cemetery Operations/Crematorium Operation
❌Community Housing
❌Community Emergency Preparedness/Drills
❌Community Health Screenings and Clinics
❌Crisis Accommodation/ Crisis Care Accommodation Operation/Emergency Housing / Crisis Helplines
❌Disability Services
❌Drug / Alcohol Supported Accommodation
❌Disaster Relief Volunteer Recruitment/Training/Operations
❌Financial Counselling
❌Foster Care
❌Half Way House/Residential Refuge Operation/Temporary Shelter/Homeless or Halfway Temporary Shelter
❌Home For The Disadvantaged
❌Legal Services
❌Neighbourhood Safety House
❌Residential Care for the Aged Operation / Respite Care / Including Residential Care
❌Senior Social Clubs and Outings
Community and Health Services/Business
❌Airports/Aerodromes/Aircraft Landing Areas/Management/Operation/Maintenance
❌Construction Trade or Services
❌Container Deposit Scheme Collection Centre Inc Reverse Vending Machine Operations
❌Council, State, or Federal Government/Governmental Agency
❌Community Technology Centres
❌Electronic / E-Waste Treatment & Disposal Services
❌Emergency Services - Ambulance, Fire Brigade, Police, State Emergency Services, and Other Emergency Services
❌Flying/ Aviation/ Airports / Drones /Drone Group
❌Hypnotherapist / Kinesiology / Reiki / Energy Healing
❌Industrial Waste Collection and Disposal Service
❌Land Surveying
❌Legal Aid and Advocacy
❌Meal Delivery
❌Mobile Health Services
❌Night Soil Collection and Disposal
❌Parole or Probationary Service / Juvenile Detention Centre Operation
❌Protest Group
❌Public Toilet - Operation/Cleaning/Maintenance / Septic Tank Waste Pumping/Disposal
❌Public Health Vaccination Clinics
❌RSL Club - No Bar (With Poker Machines) / RSL Club - With Bar Licence (With Poker Machines)
❌Safe Document Shredding /Destruction
❌Sauna, Steamroom, Turkish Bath Operation
❌Scaffolding
❌Substance Abuse Help Group
❌Shopping Trolley Collection
❌Skip Bin Hire/ Inc Waste Disposal
Religion
❌ Any Church Or Religious Organisations
❌Any Shrine - Services and Sermons /Shrine . Youth Groups and Outside Activities
❌Any Synagogue - Services and Sermons / Synagogue Youth Groups and Outside Activities
❌Any Temple - Services and Sermons/ Temple Youth Groups and Outside Activities
❌Any Mosque - Services and Sermon/ Youth Groups and Outside Activities
❌Bible College
❌Church - Services and Sermons / Church Youth Groups and Outside Activities
❌Jehovah's Witness
❌Paganism
Environment Conservation & Heritage
❌Environmental Groups Or Associations Providing Vegetation Control Through Back Burning
❌Graffiti Removal
❌Heritage Preservation
❌Oil and Chemical Spill Cleanup
❌Scrap Metal
❌Tree/Vegetation Pruning, Cutting, Felling, Clearance, Maintenance, Inspection for Electricity Transmission and Distribution Lines/Tree Stump Removal
❌Vegetation Control Through Back Burning / Burnoffs
❌Waste Management: Rubbish Removal/Garbage Collection Service/ Garbage Incinerators/ Recycling /Skip Bin Hire/ Waste Disposal/ Waste Transfer Stations/ Rubbish Dump/Tip Operation/Electronic Waste (e-waste) Removal
❌Water And Sewerage Treatment Works /Pumping Stations
❌ Spraying Service
Accommodation
❌Bed And Breakfast Operators, Boarding, Farm Stays Or Guest House Operators
❌Backpackers And Youth Hostels
❌Caravan Parks And Operators (New Business)
❌Community Housing
❌Crisis Care Accommodation/Operation
❌Juvenile And/Or Adult Offender Programs/ Accommodation
Sport
❌Abseiling/Rock Climbing
❌American Football / Gaelic Football
❌Aquatic Centre Operation
❌Archery
❌Athletics - Shotput, Discus, Javelin, Hammer Throw
❌Bungee Jumping/ Skydiving
❌Billycarts/Other Gravity Powered Vehicles
❌Cheerleading
❌Clay Pigeon Shooting Club / Shooting Club (Pistol/Rifle) / Hunting any kind
❌Canyoning/White Water Rafting
❌Cycling
❌Darts
❌Dragon Boat Club
❌Equestrian / Equestrian Show Jumping Club / Equestrian Trail Riding Club / Steeplechase
❌Figure Skating Club
❌Hand Gliding / Paragliding
❌Ice Hockey
❌Kabaddi
❌Kids Sporting Class / Little Athletics / KinderGym
❌Lacrosse
❌Motor Sports Drag Racing Club / Motor Sports Touring Car Club
❌Outdoor Sports Orienteering Club
❌Any Paint Ball - Hobby/ Centre/Owners and/or Operator
❌Polo
❌Roller Derby
❌Rugby
❌Sailing / Yacht Club
❌Ski Clubs and Ski Lodges / Snowboarding
❌SCUBA or Diving/Any Description
❌Stand Up Paddle Boarding
❌Surfing / Wind/Kite Surfing
❌Swimming / Synchronised Swimming / Swimming Pool Operation / Aquatic Centre Operation
❌Taekwondo / Wrestling / Combat Sports
❌Weight Lifting
❌Wood chopping
If you are undertaking any of the following please make sure you consult with us before proceeding:
⚠️Historical Rail Societies / Museums / Railways
⚠️Prevention of Cruelty to Animals / Wildlife Shelters / Sanctuaries
⚠️Alcoholics Anonymous
⚠️Large Market Operators
⚠️Men’s Sheds
⚠️Transport Services
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.
