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MARKET "ORGANIZERS" INSURANCE
A liability insurance program has been arranged to meet the liability needs of Market Organizers. This policy will provide protection to you, where you have a liability at law for property damage &/or bodily injury to another person.

In order for City Rural Insurance Brokers to provide you with an Obligation Free Quote, please complete the following.

Fields designated in RED are required to be completed
Proposal Details
Name of person or company seeking insurance
Address
 Postcode
Phone
 Fax
 Email
Preferred Method of Contact
Phone  Fax  Email
Period of Insurance (dd/mm/yy)
From    4pm
To    4pm
Number of Permanent Stalls
 Number of Casual Stalls
Estimated Annual Gross Income / Turnover
Address of where your Market is located
 Located:
Inside enclosed premises  
Outside
Size of area to be occupied
less than 500 sqm   501 - 1000 sqm   more than 1,000 sqm
Frequency of Markets
Weekly Fortnightly Monthly 		Total number of markets per annum
Public and Products Liability
 $10,000,000   $20,000,000
We will pay:
  1. All sums which You become legally liable to pay by way of compensation
  2. All costs awarded against You; In respect of Personal Injury or Property Damage happening during the Period of Insurance and caused by an Occurrence within the Territorial Limits in connection with Your Business as an organizer a market and/or similar gathering where a booth, stall and/or similar space is rented or hired to stallholders.
Organizers Exclusion
BF80 - ORGANIZERS (NOT BEING TRAVELING SHOWMEN) OF INDOOR AND OUTDOOR GATHERINGS, SPORTS MEETINGS, DISPLAYS, FLOWER SHOWS, EXHIBITIONS, CHARITY CARNIVALS, FETES AND THE LIKE

This Policy does not cover liability for claims in respect of

  1. Personal injury or damage to property of persons actually participating in any performance, sport, game, contest or display involving athletic, acrobatic, military or equestrian skill or the use of firearms, missiles of any kind, explosives or combustibles.
  2. Personal injury or damage to property of persons caused by the use of mechanical amusement devices.
Property Owners Liability
This policy does not cover liability in respect to the ownership of any building or improvements owned by you or another party. Should you require cover for Property Owners liability for any building / improvements that you own, please confirm the following;
Size of building/s
sqm 		Value of Building/s
Are all of the buildings occupied solely for the purpose of Market Stalls? Yes  No
If, YES please list tenants and their occupations
Products Liability
To cover any liability arising out of the sale or supply of any product, please also complete a Market Stall Insurance proposal form.
Sub Contractors
All Sub contractors (i.e. cleaners, maintenance, security personnel, etc.) must arrange their own Insurance coverage.
Contractual Liability
Coverage for Liability assumed under agreement or contract will be limited to lease liability or liability assumed under a warranty of fitness or quality as regards your products.
Do you assume Liability under contract or hold others harmless (other than lease liability)?
 Yes   No
If yes, please provide details and attach copies of all agreements (other than lease liability). If yes, please email or post to us details and copies of all agreements (other than lease liability).
General Information
If Yes, please provide details.
Have you had any claims made against you (whether insured or not)? Yes   No
If Yes, please provide details.
Have you had any incident or accident occur which would have been covered by the proposed insurance policy? Yes   No
If Yes, please provide details.
Have you had any insurance declined or cancelled, proposal rejected, renewal refused, claim rejected, special conditions or special excess imposed by an insurer? Yes   No
If Yes, please provide details.
Have you ever been convicted of a criminal offence? Yes   No
If Yes, please provide details.
Is there anything more you need to disclose to us?  Yes   No
If yes, please state what it is that you think we ought to know
Your Duty of Disclosure and Utmost Good Faith
I have read the Duty of Disclosure (view)
Duty of Disclosure

In order to make an informed assessment of the risk and calculate the appropriate premium, your insurer needs information about the risk you are asking it to insure.

For this reason, before you enter into a contract of insurance, you have a duty under the Insurance Contracts Act 1984 to disclose to your insurer every matter that you know, or could reasonably be expected to know, is relevant to the insurer’s decision whether to accept the risk and, if so, on what terms. The duty also applies when you renew, extend, vary or reinstate a contract of insurance.

You do not have to disclose anything that:

  • Reduces the risk to be undertaken by the insurer;
  • Is common knowledge;
  • Your insurer knows, or in the ordinary course of its business, ought to know; or
  • If the insurer has waived your obligation to disclose.
If you do not comply with your duty of disclosure, your insurer may be entitled to reduce its liability in respect of a claim or may cancel your contract of insurance. If the non-disclosure was fraudulent, the insurer may be able to avoid (or cancel) the contract of insurance from its beginning. This would have the effect that you were never insured.

One important matter to be disclosed is the history of losses suffered by the person seeking insurance or any closely associated person or entity. As you are responsible for checking that you have made complete disclosure, we suggest that you keep an up to date record of all such losses and claims.