Public & Products Liability
Public Liability insurance is designed to protect your club from legal and/or medical costs that arise from an incident connected to your club’s activities.
It protects your club against the financial risk of being found liable to a third party for death or injury, loss of or damage to property or ‘pure economic’ loss resulting from your club’s negligence.
Public Liability can cover a range of financial risks such as your club’s legal costs or other costs associated with legal action.
If you’re sued for breaching your duty of care (negligence) your club can lodge a public liability claim through this scheme.
In general, all touch football activities are covered. Some examples include:
- Personal injury, including injury to fellow participants
- Injury to spectators
- Libel and slander (excluding advertising and wilful libel and slander)
- First aid treatment
- Vicarious liability to landlord or principal under contract (Tenant’s Liability)
- Liability for Property Owners
- Supply of goods, sales, food and drink by your business
Who is Covered?
Touch Football Australia and their affiliated Associations, Clubs, members, coaches, referees, officials, voluntary workers, first aid persons and administration personnel.
Coverage Limits & Excess
$20,000,000 any one occurrence
$20,000,000 any one occurrence and in the annual aggregate
Sportscover Australia Pty Ltd
Extra info about this policy …
Certificate of Currency
You can obtain a copy of your Certificate of Currency (to confirm your Public Liability insurance) from the Certificate of Currency page.
What is Negligence?
Negligence is doing something without a reasonable amount of care, or failing to do something which might reasonably have been done to prevent the incident.
Why is Professional Indemnity Insurance important?
Professional indemnity insurance is designed to cover your club in the event of a claim made against the club because of professional negligence caused by mistakes or bad advice.
It provides indemnity cover if a person suffers a loss – either material, financial or physical, directly attributed to negligent acts.
Hot tip …
As soon as an incident occurs that could result in a potential claim, please contact us for assistance with the claims process.
Examples of Public Liability Claims
A sporting participant sustains a knee injury after tripping in a pothole on the sports field whilst participating in a game. He sues the club for failing to provide a duty of care to the participants and their playing conditions.
A club member is having a drink in the club house and the bar stool he is sitting on collapses from underneath him. He suffers personal injury and sues the club for negligence.