This policy type is most likely why you’re here, because in our experience this policy is most commonly known to community groups. However we want to make sure you are clear about what it covers and why you need it.
As a community group you have a duty of care to members of the public (third parties) who come into contact with your organisation. If an accident or damage to their property occurs while you are providing a service, a third party can sue your organisation which could result in you being obliged to pay for the damage or injury you may have caused.
This policy is your best defence against potentially costly claims that can result from something you do or fail to do. This policy will defend you and pay compensation if you are found legally liable, subject to the specific terms and conditions of the policy.
You need this if your organisation:
- works with volunteers/members, clients or customers in public spaces
- visits or uses spaces owned or controlled by others
- has visitors to your premises
- manufactures/makes products
Holding an event?
If you are organising any large event you may need our one-off event cover: Community & Family Event Public & Products Liability
Some examples of what the policy covers:
- a tent comes loose in windy conditions and hits someone’s car because it was not properly secured
- a person slips on a wet surface because you have not made it safe for people to walk on it
- if the sausages you sell at your sausage sizzle fundraiser cause multiple people to become seriously ill
- Where you have mis-managed the facility or premises making the venue unsafe or not fit for the activity and as a result a person playing is injured, however this does not cover the normal risks inherent in playing the game.
Examples of what it 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 & Official Liability policy to cover these circumstances.
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.
An excess is the additional dollar amount you are required to pay when your policy covers you for a claim made against you. This base policy has $100 excess for property damage claims only unless adjustments (endorsements) are made to your inclusions resulting in additional excesses. This will all be detailed in your Policy Schedule in respect of each claim type.
The above statements are issued as a matter of information only and for full terms and conditions you should refer to the policy wording.