An insurance policy is designed to be amended to reflect the risks of the policy holder, this is done by endorsements. Endorsements can be both exclusions and inclusions made to the base wording.
The endorsements amending policy wording achieve a broad cover for associations but the cover of certain risks may still be beyond the bounds of insurability for the insurer. This is why some exclusions are appear in the policy.
Again these endorsements to the base policy wording amend the cover to reflect the activities of a community group. The endorsements are shown in detail below the quotes and cover explanations.
Read our Public & Products (Broadform) Liability Insurance policy wording for details on these exclusions.
Inclusions – these broaden the standard cover
These are amendments which tailor the standard wording to reflect the risks of most community groups and give a winder 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 endorsement resulting in a higher premium or an additional policy that is specific to cover that particular risk. Below is a list of exclusions in our Public & Products Liability policy, however please notify us if you require cover for any of these exclusions so we can amend the cover to include it or find a suitable alternative to cover the risk.
- Employment Liability;
- Property in Custody and Control (beyond $250,000);
- Product Defect;
- Loss of Use;
- Product Recall;
- Aircraft, Aircraft Products and Watercraft;
- Contractual Liability;
- Professional Liability (except as detailed above);
- Libel and Slander;
- Pollution (sudden and unintended not excluded);
- Territorial Limits – excludes actions brought in USA/Canada;
- Exports to USA/Canada;
- Faulty Workmanship;
- Fines, Penalties;
- Punitive Damages;
- Assault and Battery;
- Defect in Design;
- Inefficacy of Computers, Software and Computer Consulting;
- Treatment and Dispensing;
- Child Molestation;
- Amusement devices;
- Security Personnel
Endorsements to Broadform Liability policy not specifically arranged for Community Fairs or Festivals
The following endorsements apply to the Broadform Liability Insurance Policy PDF document:
- 2. Definitions
2.21 You, Your, Insured is amended at paragraph (c) to read as follows:
(c) Any Director, Executive Officer, Employee, partner or shareholder, voluntary Unpaid Worker which includes Committee Members, Office Holders, Managers, Coaches or Trainers of You as designated in paragraph (a) but only whilst acting within the scope of their duties in such capacity.
- 3. Exclusions
Exclusion 3.14. Professional Liability amended to read as follows:
Liability to pay Compensation for the rendering of or failure to render professional advice or service by You or any related error or omission connected therewith, but this Exclusion does not apply to:
Personal Injury or Property Damage arising from such rendering or failure to render professional advice or service, providing such professional advice or service is not given for a fee;
Personal Injury and/or Property Damage arising from the rendering or failure to render professional medical advice by Medical Persons employed by You to provide first aid and other medical services on Your premises.
Personal Injury or Property Damage arising from the actions of coaches/instructors/trainers whether paid or unpaid.
Exclusion 3.15. Property in Custody or Control amended by adding the following sub-paragraphs:
(iv) any other property (not being a Vehicle or premises) under a lease or rental agreement in Your physical or legal control up to a limit of $250,000 (or any other amount specified in the Policy Schedule) for any one Occurrence
(v) other property temporarily in Your physical or legal control up to a limit of $250,000 (or any other amount specified in the Policy Schedule) for any one Occurrence
(vi) the property of employee, volunteer or member of You as defined in paragraph 2.21. You, Your, Insured
Additional Paragraphs to Policy Section 3. Exclusions
- 3.20. Participation
Personal Injury or damage to property 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 damage to property caused by or arising out of your negligence as a property owner or lessee or occupier or manager of the premises or facility.
- 3.21. Child molestation
The molestation or interference with a minor or minors by
You or any person comprising You
any of Your employees, or
any person performing any voluntary work on Your behalf
Further, we shall not have any duty to defend any action, suit or proceedings brought against You (or any other person or body corporate who might otherwise but for the provisions of this clause be entitled to indemnity under this policy) which either directly or vicariously seeks compensation in respect of such molestation or interference as above or from any personal injury resultant therefrom.
- 3.22 Amusements
Will not provide cover in respect of claims arising from:
Children’s Rides, Animal Rides;
Amusement Rides and Devices;
Inflatable Recreational Equipment
- 3.23 Security Personnel
Personal injury or property damage arising directly or indirectly out of or caused by licenced security personnel.
The above statements are issued as a matter of information only and for full terms and conditions you should refer to the policy wording.