Local Community Insurance Services - Community Association Insurance; Voluntary Workers Insurance; Volunteer Personal Accident Insurance; Risk Management Process; Risk Management Insurance; Community Group Risk Management.

THE FOLLOWING ENDORSEMENTS AND EXCLUSIONS ATTACH TO, AND FORM PART OF THE QBE GENERAL PUBLIC AND PRODUCT LIABILITY INSURANCE POLICY WORDING QM8341-0922:

LCIS01 DEFINITIONS

The following amendment is made to section ‘5. Definitions’ of the Policy:

5.20 You, Your, Insured (a) is deleted and replaced with the following:

(a) any director, executive officer, Employees, voluntary unpaid worker which includes committee members, office holders, and managers of You, while acting within the scope of their duties.

LCIS03 PROFESSIONAL LIABILITY EXCLUSION AMENDMENT – COACHES, INSTRUCTORS, TRAINERS AND UMPIRES

The following amendment is made to section ‘2. What you’re not covered for’ of the Policy: 2.16 Professional liability is deleted and replaced with the following:

We don’t cover your liability to pay Compensation for the rendering of or failure to render professional advice or service by you or any related error or omission, but this exclusion does not apply to:

1. Personal Injury or Property Damage arising from such rendering or failure to render professional advice or service, providing such professional advice or service is not given for a fee;
2. medical advice by medical persons who are employed to provide medical services including first aid as long as you are not in the business of providing medical services;
3. Personal Injury or Property Damage arising from the actions of a coach, instructor, or trainer provided that any coach, instructor, or trainer is:
   1. not qualified or employed to provide professional sporting advice or services including receiving a fee to provide professional sporting advice or services; or
   2. a member of a professional association for coaching, instructing, training or umpiring of any sporting or physical activity.

LCIS06 PARTICIPANTS IN SPORT, GAME OR AMUSEMENT EXCLUSION

The following additional Exclusion is added to section ‘2. What you’re not covered for’ of the Policy:

We don’t cover your liability for or arising out arising out of the participation of any person in any sport, game, or amusement involving bodily contact with persons, machines or devices

LCIS08 AMUSEMENTS EXCLUSION

The following additional Exclusion is added to section ‘2. What you’re not covered for’ of the Policy:

We don’t cover any claims arising from, contributed by or in connection with:

1. animal rides;
2. amusement rides and/or devices of any description;
3. inflatable recreational equipment.

LCIS16 COUNCIL LIABILITY EXCLUSION

The following additional Exclusion is added to section ‘2. What you’re not covered for’ of the Policy:

This Policy does not indemnify any council for their legal or vicarious liability from the use, operation or provision of any council facilities provided for hire, use or operation by others for any other business conducted by council in connection with such facilities.

LCIS20 PERSONAL INJURY TO UMPIRES EXCLUSION

The following Exclusion is added to section ‘2. What you’re not covered for’ of the Policy: We don’t cover any claim arising from Personal Injury to any umpire engaged by or on behalf of any council and/or sporting association.

LCIS31 FIREWORKS / PYROTECHNICS EXCLUSION

The Insurer shall not be liable in respect of Personal Injury or Property Damage arising from or contributed to by the use, handling, transportation or storage of any fireworks or pyrotechnic or incendiary device. But this Exclusion does not apply to the Insured’s own liability for any act or omission of any contractor or subcontractor provided that prior to the Insured incurring liability such contractor or sub-contractor shall have produced evidence of public and products liability insurance covering such liability for a minimum limit of indemnity of $5,000,000.

LCIS16 COUNCIL LIABILITY EXCLUSION

The following additional Exclusion is added to section ‘2. What you’re not covered for’ of the Policy:

This Policy does not indemnify any council for their legal or vicarious liability from the use, operation or provision of any council facilities provided for hire, use or operation by others for any other business conducted by council in connection with such facilities.

LCIS32 TOTAL LISTED HUMAN DISEASE EXCLUSION

The following exclusion is added to the policy:

We don’t cover your legal liability or any other benefit, cost or expense arising directly or indirectly out of, contributed to by, resulting from or in connection with any listed human disease determined under section 42 of the Biosecurity Act 2015 (Cth) or any Subsequent Legislation.

For the purposes of this exclusion, ‘Subsequent Legislation’ means:

• an act or regulation as amended, replaced or re-enacted;
• where an act or regulation has been repealed, the current equivalent act or regulation (Commonwealth, State or Territory) with materially the same object or purpose whether in whole or in part.

LCIS33 PROPERTY IN CUSTODY OR CONTROL (AMENDED SUB LIMIT)

The following amendment is made to section ‘2. What you’re not covered for’ of the Policy:

‘2.17 (f). ‘Property in custody or control’ is deleted and replaced with the following:

other property temporarily in your physical or legal control, but we won’t cover physical damage or destruction of any property you have been working on and our limit under this exclusion 2.17 (f) does not exceed $250,000 for any one Occurrence and in the aggregate for any one Policy Period.