Public Liability Insurance – PLI
Ladies, we send this information and application form to all Red Hat Groups throughout Australia (that we can obtain contact details for) – please mention it to all the Groups that you are in contact with, so they do not miss the opportunity to obtain Public Liability Insurance
WHAT – ARHGA (Association Red Hatted Groups Australia) Inc. A committee from Western Australian Red Hatters to organised PLI for all Groups within Australia
HOW – preferably by internet banking (explained in the attached application for. We also accept cheques and money orders
WHEN – payment of $– is due by the 1st of June and is renewable each year. No pro rata payments are accepted by the Insurance Company
WHY – Peace of Mind
As Red Hat Ladies we are mostly ?out and about? and Public Liability is not required.
BUT what about when we organise an event and hire a hall or use private property and someone is injured through negligence? Was there an electrical cord where it could be tripped over; a water spill not wiped up?
That is when Public Liability is may be required.
It may not be a Red Hat Lady / group starting the claim ? it may be their Medical Insurance Company
What does the current Public Liability (currently from SLE) cover:
- Covering all sums for which the Insured shall become legally liable to pay as compensation for personal injury or property damage to third parties caused by an occurrence in connection with the Insured’s activities anywhere within Australia.
- Limit of personal Liability is $10,000,000 for any one loss.
- Property in physical or legal control included to a sub-limit of $25,000.
FREQUENTLY ASKED QUESTIONS:
- If I trip over and hurt myself (or others) in the fall while at an event, can I sue?:
NO – unless there is strong ?reason of neglect by others? that caused the injury.
- Are large gatherings covered (over 250 attendees)?:
There were specific annual gatherings noted in the P/L policy application by ARHGA, but all (insurance participating) groups should ascertain their coverage with the ARHGA if hosting a large gathering and not assume they would be covered, without first notifying the Committee/Insurer and determining the independent coverage of a specific event.
- Hiring of halls etc.:
Most proprietors of halls will require a copy of the groups P/L Insurance documentation and will ascertain if it is applicable/acceptable to their facilities.
Accidents caused by any fault in the building safety is the responsibility of the hall proprietor.
If holding functions in a hall etc. organizers must be mindful of all safety issues and not put themselves in a position of neglectful responsibility to avoid being sued.
- Participation in parades etc:
Most Parade organizers will require a copy of the groups P/L Insurance documentation and will ascertain if it is applicable/acceptable to their event.
- If participating in a parade organizers must be mindful of all safety issues and not put themselves in a position of neglectful responsibility to avoid being sued.
- If someone hurts themselves at an outdoor event, can they sue the Queen or organizer of the event?
Again there would need to be a proven case of neglect by the organizer specifically. Most outdoor events are covered by local council authorities, but again there needs to be a proven case of neglect that caused the injury/damage.