Stall Holder PLI Cover
Policy Holder VCMPerth Events
What is PLI?
Public liability insurance
Public liability insurance covers you for third party death or injury. It helps protect you and your business when you’re liable for negligence. For example, if your business causes:
injury or death, such as your food making a customer sick
negligent advice (for some occupations), such as saying a generator can power a business in a blackout and it doesn’t, causing a loss
nervous shock, such as emotional distress or a recognised psychiatric illnesses
property damage, such as causing a fire
consequential loss, which occurs in very rare cases where negligence causes another business to lose expected revenue.
STALL HOLDER PLI exclusions VCMPerth Events can not cover the following:
Products Liability Exclusion This endorsement (and any Endorsement issued in substitution and/or any Endorsements hereto) attaches to and forms part of the Policy and any word or expression to which a specific meaning has been attached shall have the same meaning wherever it appears. This insurance does not provide any coverage for Personal Injury or Property Damage in connection with Products Hazard insofar as such Personal Injury or Property Damage in connection with such Product Hazard is caused by or arising out of the ownership, possession, maintenance, operation or use of the following products or services: i. mechanical & electrical goods; ii. toys (including board games); iii. adult toys; iv. medicines, potions, beauty products, nail polish (excluding soap) ; v. hazardous, flammable or dangerous goods (excluding candles); vi. products that have been dispensed or have been repackaged into smaller containers for retail sales, except where the original product dispensed has not been altered, mixed or blended with any other ingredients or products with clear product labelling of use and ingredients; vii. products sold in containers exceeding 5 litres or 5 kilograms; viii. explosive tools, fireworks, flammable liquid or bulk pool chemicals ix. products intended to be used in connection with the navigation of vehicles, aircraft or watercraft x. parts for motor vehicles xi. medical equipment xii. guns and/or ammunition xiii. model aircraft xiv. knives, swords or spears (excluding cutlery) xv. power tools xvi. motorised vehicles xvii. animal feed (excluding for domestic pets) xviii. gym equipment and bicycles xix. preparation of any body part for, or the application of, any tattoo or body piercing item xx. massage, chiropractic treatment or similar type treatment; xxi. fertilisers xxii. tobacco products and nicotine replacements, personal vaporizers products; xxiii. silicone and latex products; xxiv. essential oils ( which is to be used internally or directly on skin); xxv. vitamins, herbs, protein powders, nutraceuticals or any health and weight loss products; or BGL Wording 2007-03-08.2 JM13/00220.1 Page 37 of 38 AIG Australia Limited BusinessGuard™ Liability Policy Wording xxvi. any beauty treatments (excluding hair braiding, face painting using natural/nontoxic paints, henna painting ) xxvii. any alcohol products Any and all reference in any section, term, definition and coverage of this Policy which directly or indirectly refers to Product Hazard Coverage or directly or indirectly provides coverage for Product Hazard are for the purposes of this endorsement deleted and shall not apply in relation to the ownership, possession, maintenance, operation or use of the products or services listed above.
What else should we consider?
The Australian Government has a great website to that assists people who run or are considering running a market stall.
VCMPerth Events Insurance
VCMPerth Events hold broad form insurance cover for markets/events and incidentals /activities arising in the course of the management of the events.
AIG Australia Limited BusinessGuard™ Liability
This is general advice only for the purposes of the PLI offered to our stallholders. An admin fee applies to process the stall holders application only. It is recommended you seek professional advice regards legal and or insurance needs that best suits your individual product or service from a qualified Insurance broker. VCMPerth Events , the Trustees or other linked entities to this agreement of use; you agree to indemnify those parties mentioned against any errors or omittions.