Public and/or Products Liability

Public /Products Liability

Public & Products Liability Insurance will protect the Insured against claims arising from Personal Injury and/or Property Damage occurring in connection with the Business as a Market Stall Holder.

Limit of Indemnity

Choice of AUD $10,000,000 and AUD $20,000,000 Public and Products Liability.

The LIMIT OF INDEMNITY in respect of any one occurrence or series of occurrences arising out of or attributable to any one cause or event shall not exceed the Limit of Indemnity in the Schedule.

The LIMIT OF INDEMNITY is to be applied as an aggregate limit in respect of all CLAIMS arising from one or the same source or originating cause.

Territorial Limits

Commonwealth of Australia

Governing Law and Jurisdiction

The law of Australia shall govern this Policy and the parties agree to the exclusive jurisdiction of competent courts in the Commonwealth of Australia with respect of any dispute or difference arising.

Excess

NIL each and every claim costs exclusive.

Conditions

As per Section 8 of the policy wording.

Exclusions

1. Bodily Injury to any employees/staff/volunteers
2. Recall, Repair or Replacement of Products
3. Aviation and Aerospace Products
4. Exports to USA & Canada
5. Products not complying with Australian Standards
6. Food Stalls not complying with food safety certificate/licence
7. War and Similar Risks
8. Radioactive Contamination
9. Contractual Liability
10. Pollution or Contamination
11. Advice for a Fee
12. Total Asbestos Exclusion
13. Cyber Liability Exclusion

We are not able to offer Products Liability for any of the below Products:

1. Imported & manufactured toys (new toys sourced from Australian suppliers and in original packaging are acceptable)
2. Second hand toys
3. Adult Toys
4. Imported & manufactured electrical products (new electrical products sourced from Australian suppliers and in original packaging are acceptable)
5. Second hand electrical goods
6. Second hand mechanical goods
7. Medicines, potions, oils, fragrances, beauty products and nail polish (for internal use or direct contact with the skin)
8. Laundry & Cleaning Products
9. Gym equipment and bicycles
10. Self-balancing motorised boards and scooters
11. Tobacco products, nicotine replacements and/or personal vaporizer products (including electronic cigarettes, electronic vaping devices, personal vaporizer, or electronic nicotine delivery system, or any consumable component)
12. Uncooked Seafood
13. Animal feed intended for animals other than domestic pets
14. Silicone Jewellery and/or Teething Rings/Beads
15. Latex products
16. Heat Packs/Bags
17. Vitamins, herbs, protein powders, nutraceuticals or any health and weight loss products (not including fresh herbs and spices)
18. Alcohol products
19. Beauty treatments (this exclusion will not apply to following activities: hair braiding, face painting using non-toxic paints and henna painting)
20. Any goods that could be described as hazardous, flammable or dangerous (other than candles) which includes but is not limited to:
• Products that have been dispensed, or have been repackaged into smaller containers for retail sales
• Products sold in containers exceeding 5 litres or 5kg
• Explosive tools, fireworks, flammable liquid or bulk pool chemicals
• Products intended to be used in connection with the navigation, safety or controls of vehicles, aircraft or watercraft
• Parts for motor vehicles
• Amusement Rides, Animal Rides or Similar Activities
• Medical equipment
• Guns &/or ammunition
• Model aircraft, drones
• Knives, swords or spears
• Power tools
• Motorised vehicles
• Deep frying activities
• Tattooing and/or body piercing
• Any chemical related products

For full policy terms, conditions and exclusions, please refer to the policy wording.