General Public and Product Liability Insurance

General Public and Products Liability Insurance may covers various types of claims, some examples include:

• A tent comes loose in windy conditions and hits someone’s car because the tent was not properly secured.
• A person slips on a wet surface because you have not made it safe for people to walk on it and/or have a sign warning surface is slippery.
• If the sausages you sell at your sausage sizzle fundraiser cause multiple people to become seriously ill.
• Where you have mismanaged the facility or premises making the venue unsafe or not fit for the activity and as a result a person playing is injured, however the policy does not cover the normal risks inherent in playing the game. However, it does cover incidents where your organisation has mismanaged the premises/sporting surface. 

• 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. The Voluntary Workers Insurance policy we arrange will likely cover this.
• Claims for financial damages made against your organisation by a third party. You may require Association Liability policy to cover these circumstances.

This policy provides cover for the Insured named on the policy only. The policy does not cover the legal liabilities of any other group, business, committee or individual who is not part of the named Insured organisation. Related organisational groups can be added to a policy as sub-groups or sub-committees and the tests applied to determine they are related would be :

• The sub-group(s) or sub-committee(s) not separately incorporated.
• They do not have their own independent bank account. There can be a bank account set up by the umbrella body on behalf of the sub-group.
  
• A member of the parent group management committee is on sub-group or sub-committee and sub-group or sub-committee reports into the parent group management committee for governance.
  Sub-group(s) or sub-committee(s) share similar interests/activities.
  
• If the related organisations meet each of these then they can be noted on the policy schedule as covered. An additional assessed base premium plus taxes and statutory charges may be charged for each related group.

If the related organisations meet each of these then they can be noted on the Policy Schedule as covered. An additional assessed base premium plus taxes and statutory charges may be charged for each related group.

Stallholders should have both Public Liability and Products Liability under the same Insurance policy for comprehensive coverage and protection against a wide range of risks and liabilities. Public Liability Insurance covers claims for bodily injury or property damage caused to third parties due to the stallholder's negligence. Products Liability Insurance covers claims arising from injuries or damages caused by products sold or supplied by the stallholder. Without Products Liability coverage, stallholders are not protected if their products cause harm or damage.

It is important to note that LCIS may have specific exclusions for certain products or services, and they may not provide coverage for commercial businesses. Event organisers or venue owners may require stallholders to have both coverages as a condition of participation, and having them under one policy can help meet compliance requirements.

No. This policy does not cover claims arising from the use of knives, swords (including theatrical knives and swords), or any activity involving the use of fire by buskers.

The amount of coverage needed depends on the specific activities and risks associated with the organisation. It is important to assess the potential risks and consult with an Insurance professional to determine the appropriate level of coverage.

Limit of Liability 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.

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 less than double increase in total premium cost (inclusive of all fees and charges).

Crowd exposures refer to situations where a large number of people gather together, creating potential risks and liabilities for an organisation. Some examples of crowd exposures include:

• Providing food at either a community dinner, via a stall at a community event, a fundraising BBQ or night market
• Where you organise a community focussed event or family event (such as a birthday, engagement, wedding or reunion)

Crowd exposures are important to consider in General Public and Products Liability Insurance because they involve a higher likelihood of accidents, injuries, property damage, or other incidents due to the large number of people involved. Having appropriate coverage helps protect organisations from potential financial liabilities arising from these crowd-related risks.

Yes.
General Public and Products Liability Insurance can be customised to fit the needs of a specific organisation. We can work with you to tailor the coverage to address their unique risks and requirements. 

An excess in General Public and Products Liability Insurance is the amount of money that the Insured organisation is responsible for paying towards a claim before the Insurance coverage kicks in. It is a way to share the financial risk between the Insured organisation and the Insurance provider. 

General Public & Products Liability Insurance primarily focuses on physical injuries and property damage. Reputational damage is not a physical injury nor is it property damage.