Public & Products Liability relates to incidents of personal injury or damage to property where a legal action may be commenced by a third party and the P&C could be legally liable to pay compensation.

Combined General and Products liability: 2026-2027 Policy Wording

Cover is automatically in place for P&C Associations and their activities related to an event except for the list below, subject to policy terms and conditions.

The following types of events DO NOT have automatic Public & Products Liability insurance cover:

• Fetes with 1,000+ attendees
• Axe throwing
• Billy cart events
• Bull and bronc/rodeo events
• Dry-hire inflatables
• Gymkhanas
• Hogs N Dogs event
• Trail bike rides
• Participation in major regional events (e.g. the Gympie Muster), which typically involve large crowds and multiple stakeholders
• Environmental Activities such as tree planting and nest box monitoring which involves land access agreements
• Community sporting events including participation such as seasonal volleyball tournaments for members of the community where games are conducted on a defined frequency, over a season with P&C Associations also providing BBQ, kiosk and/or bar

For the above event types that are not automatically covered by the Public & Products Liability insurance policy, it is essential that P&C Associations provide Willis with full details of the event.

STEP 1: Complete an Activity Declaration Form online a minimum of 2 weeks prior to the event date.

NOTE: P&Cs must pre-approve the event/activity in a motion at a P&C Meeting prior to completing the Activity Declaration Form - this decision will be recorded in the meeting minutes.

STEP 2: Willis receives the Activity Declaration Form, and coordinate with the insurer to assess the event to ascertain whether it is covered under the P&C insurance policy and/or whether an extra premium may be required to extend the cover. Providing full disclosure of an event/fundraiser will enable confirmation of cover to be obtained from the respective insurers and ensure the interests of the P&C Association are protected accordingly.

STEP 3: Willis will provide the P&C with advice and recommendations from an insurance perspective and/or highlight any policy limitations or exclusions that may apply.

STEP 4: If optional cover has been requested via the Activity Declaration Form, or additional Public/Products Liability cover is required, Willis will direct P&Cs Qld to raise an invoice.

IMPORTANT: The Public & Products Liability Policy provides indemnity to the P&C Association and will not provide cover to any other parties involved or incorporated with the event, e.g. the school/Department of Education (as the respective property owner of the grounds/facilities), entertainment (e.g. face painters, performers), other service providers (e.g. outside market stallholders, etc) and the like. These parties are to carry and maintain their own Public & Products Liability Insurance to protect their liabilities.

It is important to note the P&Cs Qld Liability Policy provides indemnity to the P&C Association only and indemnity is provided in accordance with the policy terms and conditions. No liability cover will be provided or extended to any other parties involved or incorporated with an event.

P&Cs using contractors should ask them for a Public & Products Liability Certificate of Currency which records the P&C Association as a named principal. This notation is aimed to protect the P&C Association for vicarious liability for negligent acts of the contractor. Furthermore, this document will confirm the contractor holds a current Public & Products Liability insurance policy. A copy of this certificate should be forwarded to Willis with your Activity Declaration Form.

P&Cs Associations should seek hire of amusement rides and inflatables on a 'wet hire' basis only.

Wet hire is when you hire the equipment, and then operators attend and are fully responsible for set up/down, operation and supervision.

For any events involving amusement rides and inflatables, the insurer will require a copy of the hire agreement with full terms and conditions for review and consideration, prior to confirming Public & Products Liability insurance cover.

Checklist for Hire of Mobile Amusement Devices & Inflatables

P&Cs that have been asked to provide proof of their Public/Products Liability insurance (for example, a shopping centre might require proof before allowing the P&C to sell raffle tickets in the centre) need to complete a Certificate of Currency Request Form online. These are issued by Willis and are only provided for a specific purpose (in our example, the certificate would have the name of the shopping centre recorded on it).

The Department of Education has confirmed that P&Cs DO NOT NEED TO SUPPLY an insurance Certificate of Currency for school/Departmental internal records and/or for auditing purposes.

Instead, P&Cs can direct the school to the three P&C insurance policy wordings and schedules. Evidence of your P&Cs Qld affiliation, under the Group Master Insurance Policy arrangements, should satisfy DoE requirements.

Certificates of Currency are issued for specific purposes only, usually when requested by an outside organisation (e.g. when the P&C is doing a Bunnings sausage sizzle, Bunnings will request a copy of the P&C’s Certificate of Currency. Generic/blanket Certificates of Currency are not issued under the P&Cs Qld Group Affiliate Policy arrangements.

If your P&C runs an Outside School Hours Care/Vacation Care service, Willis will automatically issue a Liability Certificate of Currency for licensing purposes via email to the P&C's generic email address - [email protected] - upon receipt of the renewal payment.

Firstly, no admission of liability or any promise to pay is to be made by the P&C Association to any other person/party (known as the Third Party).

When an incident/accident happens which is likely to give rise to a claim, please note the following key points:

• All reasonable steps should be taken following an accident or loss to protect the person or property from any further injury or damage.
• Obtain all the details you can regarding:
  • the incident,
  • the Third Party,
  • and any witnesses.
• A P&C Association must then complete an incident report, bearing in mind the following:
  • Be discreet. Ensure all relevant information is noted regarding the incident, however, do not complete the incident report in front of the injured person. This may signal that an insurance claim may be possible.
  • Be specific. Remember, the report you write will be forwarded to your insurer for assessment and evaluation purposes and may be admitted as evidence in court. Be specific and comprehensive in your detail.
  • Provide full details. Detail (no matter how trivial it may seem at the time) is the most essential component of your report. In most circumstances, if the claim ever reaches legal proceedings, it may be many years down the track. Nobody will then remember the specifics, unless they are comprehensively written down at the time of the incident. However, you should refrain from including any unsupported opinion or comments regarding future or remedial actions.

If a written or verbal demand is made against the P&C, or the Association believes it is likely to be made, please contact Willis immediately for instructions/guidance on the matter: ph (07) 3167 8566 or email [email protected].