Membership of the Alliance does not imply that any Insurance Policy or Cover affected for the operations of the Alliance automatically includes the operations of a member and therefore a member must specifically obtain Insurance in their own name for their own activities.
Refer to each of your Insurance Policy Terms and Conditions for specific Inclusions and Exclusions.
A. Insurance – Public Liability
Public Liability is when an incident involving the public occurs and you are held responsible because an item of equipment for which you were responsible, failed and caused an injury of any kind.
e.g. A chair collapse, a hot water burn, extra slippery floor, etc.
B. Insurance – Product Liability
Product Liability is when an incident involving the public occurs and you are held responsible because a product you provided and for which you were responsible, failed and caused an injury of any kind.
e.g. A person reacted to a product such as rubber and had an unknown allergy, such as peanuts, etc.
C. Insurance – Professional Indemnity
a) Each member being an Adult or Concession that operates within their specified scope of Activities Listed by the Alliance is covered to the maximum of the chosen option of Professional Indemnity.
b) In the case of a Group or Organisation, only the Nominated Representative, when acting for and on behalf of that Group or Organisation is covered to the maximum of the chosen option of Professional Indemnity.
Professional Indemnity provides Cover for any expenses incurred in the pre/post defence of any litigious claim filed against the member for the provision of any of your Listed Services.
The actual defense for the incident is the Freedom to Practice but this does not cover any of the associated costs involved.
Freedom to Practice can only apply to an individual person ( by birth ), that practices a listed activity.
A Group or Organisation must rely on its members to provide the actual service or activity for which the group or organisation was formed, hence it is only the Nominated Representative operating on behalf of the Group or Organisation that is covered.
e.g. Any advice or service you provided that caused an unpleasant emotional, mental or physical reaction or was misinterpreted and you are accused of all sorts of things.
D. Insurance – Association, Volunteers, Property and Equipment, etc.
A member may require additional Policies to cover situations, such as –
* Protector Liability (Management Liability / Professional Indemnity)
* Property (Fire: Building & Contents)
* Crime (Burglary, Money etc.)
* General Property
* Voluntary Workers Personal Accident Cover
All of which can be obtained at a very competitive rate from our Broker, when quoting your membership.