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Event Insurance for Community Groups

Event General Public and Product Liability Insurance for Community Groups

As the organiser of a single one-off community or family event there are several key aspects when it comes to Insurance and risk management that you should consider.

At LCIS, we work with thousands of event organisers to understand their unique risks and how we can best cover these with the right level of Insurance. We also assist you with risk management before, during and after your event.

Insurances for one-off events:

We know that planning an event is both exciting and a little overwhelming, especially when it comes to handling Insurance.

If you have a small event coming up, even if it’s tomorrow, you can easily get a quote and purchase General Public & Products Liability Insurance.

With our one-off event Insurance, you can secure up to $20 million in coverage in just minutes, allowing you to focus on making your event a success without the stress of unexpected issues.

 

A row of white folding chairs set up on a grassy lawn, ready for an outdoor event

How Event General Public and Product Liability Insurance can help provide protection:

Below are some examples of covers provided by this Policy which can protect your organisation. Please note, covers listed below are subject to limits, sub-limits, endorsements and exclusions as described in the Policy Wording.

Products Liability

Can help cover you if your found to be negligent for causing damage or injury by a product you have provided.

Legal Costs

Can help cover your legal costs in the event that a claim is made against you  including for claims alleging negligence.

Property Damaged

Can help cover damage to property caused by your activities including damage caused by negligence. 

Personal Injury

Can help cover you if your found to be negligent in the course of normal activities, where your event activity has caused injury to someone.

One Off Events:

One-off Events: General Public and Product Liability Insurance

As the organiser of a single one-off community or family event, you can be held responsible for things that can go wrong and our Community & Family Event General Public and Product Liability Insurance can help protect you against claims for personal injury or property damage against your organisation by members of the public who attend your event, where you are found to be negligent.

Please note that we offer General Public and Product Liability Insurance Policies to cover you, as organiser of an event for “one day” or “up to a week”.

Close-up of glowing red Chinese lanterns with gold tassels, creating a festive atmosphere

Subject to attendance, some examples of events we can arrange cover for:

Street party Family Event (Birthday, Engagement, Wedding, Reunion, Christenings / Bar Mitzvah)
Festival Community celebration
Fair Cultural exhibition
Residential street party Cultural festivals
Fundraiser Community moonlight cinema
Charity walk / run Food and wine tastings
Gathering Conference and seminars
Pageants / parades Art festivals
Farmers markets Fashion parades / shows
Car or bike show and shine (static event only) Art exhibitions
Sausage sizzles Trivia nights
Raffle ticket stalls  

 

selected option

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

The Insurer’s ‘Policy Wording’ sets out the actual coverage terms, conditions, limitations and exclusions provided under the Policy.

Please access these documents on the links provided and read them thoroughly in conjunction with your Policy Schedule and call us immediately if you require clarification on any issue.

Latest Policy Wording: General Public & Product Liability Insurance

⬇️ QBE General Public and Product Liability Insurance QM8341-1223 Policy Wording

• For online Policies commencing or renewing effective on or after 1 October 2024.
• For offline Policies commencing or renewing effective on or after 1 June 2024.

Previous Policy Wording: General Public & Product Liability Insurance
⬇️ QBE General Public and Product Liability Insurance QM8341-0922

• For online Policies commencing or renewing between 1 March 2024 – 1 October 2024.

⬇️ QBE Victor Insurance Broadform Liability QM6195-1120

• For online Policies commencing or renewing before 1 March 2024.
• For offline Policies commencing or renewing before 1 June 2024.

Difference in Conditions:

This endorsement issued attaches to and forms part of the Insured’s Public and Products Liability Policy with QBE Insurance Australia Limited for the current period of Insurance as per the Schedule (and shall not apply to any subsequent periods of Insurance unless agree by QBE).

Extent of Cover:

To the extent that under the Insured’s previous Public Liability Policy issued by QBE Insurance Australia Limited (the “Previous Policy”) where coverage existed which does not exist under this Policy or was a broader coverage than the similar coverage which exists under this Policy (the “difference in coverage”), QBE Insurance Australia Limited will pay the Insured the amount that represents the difference in coverage as if that coverage existed under this Policy, subject to the conditions and limitations below.

Conditions and Limitations:

QBE Insurance Australia Limited only agrees for the difference in coverage conditions to be payable if:

1. The Previous Policy lapsed on the same date as this Policy became effective; and;

2. QBE Insurance Australia Limited receives from the Insured, prior to cover under this Policy becoming effective, a complete copy of the Previous Policy including all relevant terms and conditions, endorsements, schedules and limits of indemnity; and

3. All exclusions apply as agreed upon renewal;

4. Any difference in coverage that may be payable under this Policy is otherwise subject to the terms, conditions and limits of indemnity that applied under the Previous Policy.

 

What would you do if your event was cancelled?

Help protect your organisation's financial investment in community-based events.

Event Insurance FAQs

Please note that these FAQs are of a general nature, and the specific terms and conditions of your Insurance policy will apply to any claims.

It is always recommended to refer to the Policy Wording and consult with LCIS staff for detailed information about coverage and any specific questions you may have.

On-site safety at your event is vital

At LCIS, we work with thousands of event organisers to understand their unique risks and how we can best cover these with the right level of Insurance and provide risk management advice.

Get your quote for one-off Event General Public & Products Liability Insurance

Planning a special event? Protect yourself and your guests with our tailored Public & Products Liability Insurance. Click the link below to request your quote today and ensure peace of mind for your upcoming occasion!


The above statements are issued as a matter of information only and for full terms and conditions you should refer to the Policy Wording.
LCPA# 24/496