Who’s Insured Various Uninsured Hirers of council owned or controlled facilities
Business Activities conducted at and from the hired facility
Definition of Hirers All casual, ad-hoc and regular hirers, including individuals assisting with the business/activities, provided hire occurs no more than 52 times per annum (per hirer)
Situation and/or Premises Only at and from the council owned or controlled facility
Limits of Liability
- General Liability $20,000,000 any one Occurrence
- Products Liability $20,000,000 any one Occurrence and in the aggregate for all Occurrences during any one Period of Insurance.
Sub-Limits of Liability Property in Your Physical or Legal Control $100,000 any one Occurrence
Deductible/Excess The insured shall bear the first $500 of each, and every claim or series of claims arising out of any one Occurrence.e intention of the policy is to cover uninsured hirers.
- The intention of the policy is to cover uninsured hirers. We need to obtain proof that hirers have their own Public Liability insurance in place to protect the public and our vicarious liability. If hirers cannot provide the proof via Certificate of Currency from their insurers, as per the agreement with them, we can offer this facility.
- Indemnity is only provided to the hirer of the facility. Indemnity is not provided to any other participants/performers/contractors that may be involved in the hire activity (e.g.: A band engaged for a wedding reception). Hirers should ensure these other parties/contractors have in place their own Public Liability insurance.
- Events that will involve attendance of more than 1,000 are not automatically covered. Coverage may be able to be obtained upon referral but may be subject to an additional premium as determined by our insurer.
- The hire period is limited to a maximum period of five (5) consecutive days. Coverage for longer periods may be able to be obtained upon referral but may be subject to an additional premium as determined by our insurer
- There is no coverage available where the hire is part of a festival. The event organiser will be required to provide their own insurance for large scale events of this type. They may be able to access coverage via the Community Insurance web site
- There is no coverage available to commercial entities that hire the facility and charge admission or derive monetary gain from the actual hire activity. There is no problem in covering commercial entities for hire activities where there is no monetary gain derived from the actual hire activity.
- There is also no problem in covering Not For Profit (NFP) entities who may charge for fund raising purposes.
- There is no coverage for rock concerts (or other high risk events.)