Public & Products Liability
This policy provides protection for an Insured or Insured Person for a Loss which a person or entity becomes legally obliged to pay on account of personal injury or property damage.
Loss includes, but is not limited to:
- Damages
- Judgments
- Settlements
- Costs
- Defence Costs
A Loss must arise out of an insured’s “Sporting Activities”. “Sporting Activities” means -
- The activities of a club, association, or other insured entity playing or administering Rugby.
- It includes all official activities connected with the sport including club social and fund raising activities.
- It does not include the activities of a licensed club. “Licensed Club” means a commercial premises with liquor license used by members and guests. A clubhouse or sports pavilion with a liquor license will not be deemed a licensed club.
- It Includes the hiring or leasing out of club premises to a third party subject to the conditions outlined here.
Limit of Liability:
| Public Liability | $20,000,000 any one occurrence |
| Products Liability: | $20,000,000 in the aggregate |
| Excess: | $1,000 |
| Various Liability for Molestation: | $2,000,000 |
| Excess: | $5,000 |
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 ARU Insurance Plan Products Liability section would cover the defence costs and damages payable by the club.
- A water carrier is returning to the change rooms during a match and is injured when they trip on an uneven step. They sue the local council and the home club for failing to provide a safe environment. The ARU Insurance Plan 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 ARU Insurance Plan Public Liability policy would cover the defence costs and damages payable by the club.
Certificates of Currency are available online by following this link, or by contacting Gow-Gates.
Please note: This policy only provides limited cover for the actual participation by a person in Rugby or training for Rugby and where the injury or damage is caused or allegedly caused by another participant. Please refer to the policy wording, contained in the Club Administrators Sports Insurance Manual or contact Gow-Gates for clarification on this.
