Insurance – Public Liability

This option is available to A, B, CC, CP and N members only

1. POLICY –

Public Liability and includes Product Liability in a combined policy

This Policy is arranged with Aon and managed by the Alliance.

2. WHAT is –

a) PUBLIC LIABILITY

Public Liability cover – covers you for claims made against you by a third party arising from injury or property damage from any premise you work from.

b) PRODUCT LIABILITY

Product Liability cover – covers you for claims made against you by a third party arising from the sale or supply of a product that causes financial loss or injury.

3. COVER –

This cover is arranged by the member using the Members Alliance LogIn access

4. FEES –

        Cover – $20M Public Liability and
                      $20M Product Liability combined.

$80.00 / year

5. KEY FEATURES –

  • Limit of Cover –           Public Liability:            $20M Any one occurrence
                                       Product Liability:          $20M Any one period of Insurance
  • Excess –                      $1,000                         each and every claim
  • Location –                    Anywhere in Australia
  • Exclusion –                  Professional Indemnity

6. POLICY HIGHLIGHTS:

  • Alleged Molestation Endorsement – $5,000,000 any one claim and in total for the policy;
  • Participation for non-contact sports, activities and events;
  • Goods in Care, Custody & Control – $250,000;
  • Errors & Omissions – $500,000 claims made and in the aggregate.

7. EXAMPLE EXPOSURES:

  • An action brought against the member for slip & fall;
  • Third party is injured during respite care;
  • Food poisoning from food prepared & served by the member;
  • Damage to third party property i.e. walls, equipment.