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Public liability insurance for a community group can help to protect it against legal claims for compensation for negligence that are made against it by third parties that have suffered physical injuries or property damage that they claim were caused by the community group’s activities.
A community group has a duty of care to members of the public (third parties that interact with it) such that they do not cause them physical injury or property damage as part of their activities. When this does occur and is shown to be because of negligence on the part of members of the community group, the group can be sued by the injured party to receive compensation for the injury or damages that they suffered.
Public liability insurance for community groups may help to pay for the legal expenses that arise from defending such claims and damages that are awarded by the courts when a case is proven against them.
Having this type of insurance is vital for protecting your community group since even a small claim could severely impact your finances and the activities it supports while a significant claim could force closure of the group.
It is an important element of managing the risks involved in running a community group and protecting its office bearers and members.
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What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.
And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.
Insurance Broker Code of Practice: We subscribe to and are bound by the Insurance Brokers Code of Practice a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au/insurance-brokers-code-of-practice
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
*Important: Insurance protection may be available only subject to meeting insurers underwriting criteria. Some of the insurance protections listed may not be available or may have limitations or exclusions. Insurance protection cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Please check your policy schedule carefully for inclusions , exclusions and limitations. Talk to a business insurance broker on 1300 670 250 for more information.
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The information in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.
Contact an authorised insurance broker , accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between the author and the reader.
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