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Public & Products Liability

This policy provides protection for all Insureds and Insured persons for their legal liability for compensation arising from personal injury or property damage.

Loss includes, but is not limited to:

  • Damages
  • Legal Advisor’s fees and court costs
  • Reasonable Expenses incurred with the Insurer’s written consent  (these do not include loss of wages, loss of earnings or profits)

A Loss must arise out of an insured’s “Business”.  “Business” means -

“all activities undertaken by the Insured and connected with the Sport (Football)  including responsibilities as landlord, tenants, property owners and organisers of social and fund-raising activities”.

Limit of Liability:

Public Liability $20,000,000 any one occurrence
Products Liability: $20,000,000 in the aggregate
Excess: $1,000

Where is cover provided?

Cover is provided anywhere in the world other than USA or Canada and excludes claims outside the jurisdiction of Australia and/or New Zealand.

Certificates of Currency are available online by following this link, or by contacting Gow-Gates.

 

Examples of claims under this section include:

  • A spectator contracts food poisoning after purchasing a pie from the club canteen on a match day. They sue the pie manufacturer and the club. The FFA National Insurance Programme Products Liability section would cover the defence costs and damages payable by the club.
  • A player is running during a match and is injured when they stand on an uneven piece of ground. They sue the local council and the home club for failing to provide a safe environment. The FFA National Insurance Programme Public Liability policy would cover the defence costs and damages payable by the club.
  • The goal posts collapse during a match, injuring a player. The player or their family sue the club. The FFA National Insurance Programme Public Liability policy would cover the defence costs and damages payable by the club

For a copy of the full policy document, please contact Gow-Gates.

 


Football Risk Management

Have you downloaded our Risk Management App?

The app is available to Affiliated Clubs within the FFA National Insurance programme.

This app includes risk management resources that clubs can complete and store without the burden of having to make paperwork available for ground managers or storing completed documents. The app provides a guide to some of the areas where risks are present that can then be identified and actions proposed to mitigate the impacts of potential incidents or injuries.