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.
2.21. You, Your or Insured (c) is amended to read as follows:
Any director, executive officer, Employee, voluntary unpaid worker which includes committee members, office holders, managers of You but only while acting within the scope of their duties in such capacity.
LCIS05 PARTICIPATION EXCLUSION
Personal Injury 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 Property Damage caused by or arising out of your negligence as a property owner or lessee or manager of the premises or facility.
LCIS07 SEXUAL MOLESTATION
Any claims arising from, contributed to by or in connection with sexual and/or child assault, abuse, molestation or attempt thereat. Furthermore, We will not indemnify You for ‘1.3 Supplementary Payments’.
LCIS08 AMUSEMENTS EXCLUSION
Any claims arising from, contributed by or in connection with:
- Animal rides;
- Amusement rides and/or devices of any description;
- Inflatable recreational equipment.
LCIS16 COUNCIL LIABILITY EXCLUSION
This Policy does not indemnify any council for their legal liability arising from the use, operation or provision of any council facilities provided for hire, use or operation by others or for any other business conducted by council in connection with such facilities.
LCIS25 INFECTIOUS OR COMMUNICABLE DISEASE, BACTERIA AND VIRUS POLICY CONDITION
We will not cover Personal Injury as a result of your reckless disregard of any guidelines, principles or instruction issued by the Australian Government, relevant State or Territory Government, the New Zealand Government or any other relevant Government jurisdiction you operate in, regarding any infectious or communicable disease, bacteria or virus.
The above statements are issued as a matter of information only and for full terms and conditions you should refer to the policy wording.