If an accident or unforeseeable incident causes damage or injury to someone (other than your employees), you may be found legally liable to cover the costs. Public liability insurance can help to protect you from the financial risk of liability claims – giving you the certainty you need to trade with confidence.

Within the sporting industry, public liability risks vary depending on the type of sport and facility, number of members, visitors, and participants whether the sport is incorporated together with the possibility and quantum of visitors.

Although the size and type of operations may vary, the combination of large concentrations of people, dim lighting, inadequate surfaces and the possibility of fire and fights within your facilities can generally increase loss potential.

Example areas of liability include:

• General public liability risks at the premises including tenant liability for leased premises and property owner’s liability in respect of any restaurant/bar, office, car park, changing rooms, pavilions or grandstands and sports facilities.
• Liability for accidents on or adjacent to the sports fields/facilities including both participation risk and member to member cross liabilities.
• First aid treatment risks by volunteers.
• Umpire/referee liabilities.
• Children’s facilities and children’s sports/participation.
• Property in physical and legal control.
• Liquor liability.
• Unregistered vehicles e.g., grounds-keeping vehicles.
• Tours including overseas tours/events.