Who Is Covered
Each State and Territory Association
Directly affiliated to Hockey Australia
and their affiliations, Associations and Clubs,
Including most individuals
What is Negligence
Negligence is doing something without a
reasonable amount of care, or failing to do
something which might reasonably have been
done to prevent the incident.
Did you know?
A Public Liability policy protects you anywhere
in Australia, and in most countries overseas.
But you will need to confirm this within your
own policy wording.
As soon as an incident occurs that could
result in a potential claim, contact Honan and
we can provide assistance with the claims
Coverage Limits & Excess
General & Products Liability
Errors and Omissions
What cover is typically provided in an extended Public Liability policy?
Public Liability coverage can have up to 3 different sections;
Public Liability- legal action against the insured for breached duty of care.
Products Liability - legal action against the insured for sale of faulty products.
Professional Indemnity - legal action against the insured for negligent
acts / advice.
You will generally find that you are covered in all areas as part
of a standard Public Liability policy.
What cover is typically excluded from a Public Liability policy?
If your business is not deemed to be a safe environment caused by deliberate
neglect then your policy may become void. In this instance, you are personally
liable for the financial burden of the liability claim.
Often an excess such as $500 or $1,000 will be in place.
This excess is not covered by the insurance policy.
Why is professional indemnity insurance important?
Professional Indemnity insurance is designed to cover you in the event of a claim made against you because of professional negligence caused by mistakes, bad advice or poor workmanship.
It provides indemnity cover if a person suffers a loss - either material, financial or physical - directly attributed to negligent acts..
Examples of Public Liability Claims
Example 1 - a sporting participant sustains a knee injury after tripping in a pothole on a sports field whilst participating in a game. He sues the club for failing to provide a duty of care to the participants and their playing conditions.
Example 2 - a club member is having a drink in the club house and the bar stool he is sitting on collapses from underneath him. He suffers personal injury and sues the club for negligence.