PUBLIC LIABILITY INSURANCE - PLI
Ladies, we send this information and application form to all Red Hat Groups throughout Australia (that we can obtain contact details for) - please mention it to all the Groups that you are in contact with, so they do not miss the opportunity to obtain Public Liability Insurance
WHAT - ARHGA (Association Red Hatted Groups Australia) Inc. A committee from Western Australian Red Hatters to organise PLI for all Groups within Australia
HOW - preferably by internet banking (explained in the attached application for. We also accept cheques and money orders
WHEN - payment of $-- is due by the 1st of June and is renewable each year. No pro rata payments are accepted by the Insurance Company
WHY - Peace of Mind
As Red Hat Ladies we are mostly ?out and about? and Public Liability is not required.
BUT what about when we organise an event and hire a hall or use private property and someone is injured through negligence? Was there an electrical cord where it could be tripped over; a water spill not wiped up?
That is when Public Liability is may be required.
It may not be a Red Hat Lady / group starting the claim ? it may be their Medical Insurance Company
What does the current Public Liabilty (currently from SLE) cover:
FREQUENTLY ASKED QUESTIONS:
NO - unless there is strong ?reason of neglect by others? that caused the injury.
There were specific annual gatherings noted in the P/L policy application by ARHGA, but all (insurance participating) groups should ascertain their coverage with the ARHGA if hosting a large gathering and not assume they would be covered, without first notifying the Committee/Insurer and determining the independent coverage of a specific event.
Most proprietors of halls will require a copy of the groups P/L Insurance documentation and will ascertain if it is applicable/acceptable to their facilities.
Accidents caused by any fault in the building
safety is the responsibility of the hall proprietor.
If holding functions in a hall etc. organisers must be mindful of all safety issues and not put themselves in a position of neglectful responsibility to avoid being sued.
Most Parade organisers will require a copy of the groups P/L Insurance documentation and will ascertain if it is applicable/acceptable to their event.