Public Liability Insurance
Sometimes, due to unfavourable weather or unforeseen circumstances an accident may occur, and if a person, whether a member of the general public or a club member, suffers an injury or damage to their property and they feel that this is the fault of the club or its members, they may take legal action against the club or the members involved. If they can prove that the club and/or individual is responsible, then the club or member may be ordered to compensate them and this cost can usually be covered by public and products liability insurance. Most State Federations require member clubs to carry Public Liability Insurance to protect the club including office bearers, walks leaders, members and, in turn the State Federation.
The Public Liability Policy is designed to pay, by way of compensation on behalf of the Insured (the club), all sums which the Insured shall become legally liable to pay in respect to injury and or damage as a result of an occurrence in connection with the insured activities of the club, subject to the terms, conditions and exclusions of the policy. This Policy currently provides a Limit of Liability - $20,000,000 for any one occurrence.
Renewal Arrangements for 2016-2017
Bushwalking Australia appointed a new insurance broker, Jardine Lloyd Thompson to manage our insurance requirements from 1 July 2016. The change in broker has not affected the existing policies, which have been renewed from 1 July 2016 without change to insurer, conditions or endorsements, but with a reduction in cost per member of approximately 15%. The insurer has also removed the $1,000 excess that previously applied under this policy.
- Combined General & Products Liability Policy190.06 KB
(Important note: The policy must be read in conjunction with the placing schedule. Where a matter is covererd in both documents the provisions of the Schedule prevail.)
Frequently Asked Questions
The FAQs are provided to assist member clubs gain a better understanding of the insurance arrangements organised on their behalf by Bushwalking Australia (BA). Additional questions will be added over time and suggestions for topics to be covered are welcome at any time by emailing Bushwalking Australia at firstname.lastname@example.org