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Liability Insurance

Liability Disclaimer and Hold Harmless Agreement Examples One of the most popular search terms on this site is for “example liability disclaimer” or “liability waiver” so we thought we would provide a few resources on the subject. Remember that a disclaimer will not necessarily absolve you from your liability if an injured party can prove […]

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Contractual Risks Allocation and Proportionate liability

by Dave Collins on December 21, 2016

Risks allocation between contracting parties is an integral part of contractual negotiations. In order to clinch a deal, some insureds are often under commercial pressure to contract out of the effects of proportionate liability legislation. For instance, contractors to a major project may agree that each will be jointly and severally liable to the principal […]

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Liability Insurance For Events and Exhibitions

by Dave Collins on December 20, 2016

Liability Insurance For Events and Exhibitions By Brantley Graham The liability insurance for events is to cover your legal liability for any injury or damage you might cause to people or their property during the course of your activity or occupation. It covers anything from cancellation or abandonment of your event, property damage and legal […]

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The decision in the Parker V Moore case in the QLD Supreme Court highlighted the importance of Landlords undertaking thorough inspections of properties and not necessarily relying on tenants to report issues. In this case a tenant fell after stepping on a “wobbly” balustrade over a stairwell and suffered serious injuries. The court found that […]

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Liability Insurance – General vs Public

by Dave Collins on December 13, 2016

Liability Insurance: General vs. Public In the world of liability, there are two different types of insurance: general liability insurance and public liability insurance. Both can cover many different types of businesses. However, there are some differences between general liability insurance and public liability. Let’s take a look at the differences between each. Price The […]

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Amusement Rides Evaluation Checklist

by Dave Collins on December 10, 2016

Mobile amusement rides and devices are a major drawcard for many special event such as school fetes and fundraisers. However, these rides and devices can be hazardous unless properly managed. Owners and persons in control of amusement devices are required to discharge their obligations under their states respective OH&S Act. The following checklist has been […]

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Are You a Gym Owner? You’ve Got Plenty of Insurance Liability Risks! By M Wyzanski Jogging puts the blubber in the wastebasket. I feel great because I’m losing weight… You are a proud owner of a gym center. While you might be pleased with the fact that your members are working out, getting fit, losing […]

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Dog Liability Insurance – A Serious Issue

by Dave Collins on November 30, 2016

Dog Liability Insurance – A Serious Issue By George McGonigal Being a pet owner is a great experience, but with its responsibilities. A good pet owner is someone who is responsible towards their pets as well as the society when it comes to their pet’s behavior. However, a pet being a pet, situations may occur […]

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Joint and Several Liability

by Dave Collins on November 27, 2016

In the United Kingdom and other common law jurisdictions such as Hong Kong and Singapore, the doctrine of joint and several liability continues to apply. This doctrine operates when one or more person has contributed to a plaintiff’s loss. The plaintiff is able to recover the full amount of that loss arising from the wrong […]

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Public Liability Hazard Checklist for Retail Premises

by Dave Collins on November 27, 2016

Retail locations, whether they be large regional shopping centres, community shopping centres, strip malls or individual business premises are required to discharge their obligations under their State’s legislation relative to access to the premises and general public safety and occupiers of such premises are required to meet their obligations under their State’s specific legislation relative […]

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Insurance Public Liability Policy Is A Must For Every Business By Jodie Richard The insurance public liability policy is getting popular with the number of increasing lawsuits that are being filed year by year. When one is having any business or shop and the general public gets injured under the land or the property of […]

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General Liability Information

by Dave Collins on November 22, 2016

GENERAL LIABILITY INFORMATION: Air Conditioning and Indoor Air Quality Airborne Debris Balustrades Car Parks CCTV Centre Vehicles Electrical Safety Entrances & Exits Escalators & Travelators Floors Surfaces Playgrounds GUIDE TO PUBLIC LIABILITY INCIDENT PREVENTION & MANAGEMENT: DISCLAIMER: This document is for general information only.  While it directs attention to and comments upon potential loss control […]

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Importance of Product and Public Liability Insurance for Retail Businesses By Nate Rodnay As retail businesses have direct interaction with the general public (customers), they are more likely to face liability claims from the customers. Retail business owners may face liability when their business is held accountable for injuries caused to the visitors; even when […]

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Proportionate Liability

by Dave Collins on November 14, 2016

Under immense political pressure, particularly from professional associations and their insurers, jurisdictions such as Australia and a large number of the States in the United States of America, have either abolished or modified the doctrine of joint and several liability. In all States and Territories in Australia, for example, legislation now replaces the common law […]

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Public Safety in Hotels and Resorts

by Dave Collins on November 14, 2016

Hotels and resorts have many spaces in which they need to provide safe venues to their guests.  Dangers exist in restaurants, pools, elevators, stairwells, parking lots, gardens, footpaths, and ocean/beach access.  Given the large areas hotels and resorts need to provide public safety, hotels and resorts often hire excellent employees to complete assigned tasks as […]

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Public Swimming Pool Safety

by Dave Collins on November 8, 2016

Swimming is one of the most vigorous and rewarding exercises available to individuals.  The water provides resistance for effective exercise yet is gentle on joints unlike other vigorous exercises.  However, there are hidden dangers to swimming of which many people, especially parents and children, should be aware.  Posting signs at your pool that address the […]

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Public Liability Insurance

by Dave Collins on November 8, 2016

PUBLIC LIABILITY INSURANCE Public liability insurance protects individuals, businesses and organisations against the financial risk of legal liability to third parties for death or injury, loss or damage to property, or ‘pure economic’ loss in areas not specifically excluded or covered by statutory schemes (workers’ compensation and motor vehicle compulsory third party (CTP)), professional indemnity […]

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Special Event Liability Insurance – Being Liable

by Dave Collins on November 6, 2016

Special Event Liability Insurance – Being Liable By Brantley Graham Something that can ruin a business is a lawsuit. They can arise at the worse times and simply cripple a successful business. Many time these lawsuits come about during or after a convention thrown by a business. Special event liability insurance can cover your business […]

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What is Public Liability

by Dave Collins on October 31, 2016

WHAT IS LIABILITY? Public Liability (sometimes known as General Liability) is part of the law of torts which focuses on civil wrongs. Applicants (the injured party) usually sues the respondent (the owner or occupier) under common law based on negligence and/or damages.  Claims are usually successful when it can be shown that the owner/occupier was […]

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What? A Biker Bar?

by Dave Collins on October 30, 2016

What? A Biker Bar? By H. Gerald Grinter Usually, when you hear these words Real Estate doesn’t comes to mind. Well, I hate to disappoint you, but I’m going to take you in a different direction. I’m going to take you to a place only someone in insurance can take you. We all know that […]

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