Situation and/or Premises

Principally Victoria, Australia but including anywhere in the world, except the United States of America and Canada, provided that:

If the Insured has no legal presence, whether by an attorney or registered company, parent company or subsidiary company in the United States of America or Canada, the Territorial limits shall include the United States of America and Canada but only in respect to:

  1. Products exported to the United States of America and Canada without the knowledge of the Insured, the Insured’s agents or employees.
  2. Visits by executives or sales persons of the Insured normally resident in the Commonwealth of Australia.

Public Liability

$25,000,000
In respect of any one occurrence or series of occurrences arising out of the one event during the period of insurance and in the aggregate for the conduct of the Football (Australian Rules).  

Product Liability

$25,000,000
In respect of any one occurrence or series of occurrences arising out of one event and in the aggregate during the period of insurance for the conduct of the Football (Australian Rules).  

Professional Indemnity/Errors & Omissions

$10,000,000
In respect of any one claim or aggregate for all Claims under the policy during the period of Insurance. Cover only applies for claims which are first made against you and immediately notified to the insurer in writing during the period of cover for the conduct of the Football (Australian Rules).  

Retroactive Date: 1st January 2010

Association Liability

$5,000,000
In respect of any one claim or aggregate for all Claims under the policy during the period of Insurance. Cover only applies for claims which are first made against you and immediately notified to the insurer in writing during the period of cover for the conduct of the Football (Australian Rules).  

Retroactive Date: 1st January 2010

Deductible

Each and Every Claim $1,000

Policy Extensions

As per policy and including, but not limited to;

Association Liability Endorsements:

It is hereby agreed and declared that with effect from inception the policy is amended to include the following:

The Insured
Yarra Junior Football League Inc including all Incorporated affiliated clubs, associations and members.

Optional Extensions
2.16 Reinstatement of Aggregate Limit
2.20 Entity Cover for the Yarra Junior Football League Inc including all affiliated clubs, associations and members.

Includes Employment Practices Liability for the abovementioned League, Clubs, associations and members.

In all other respects, the policy remains unaltered.

3.1 Dishonesty and Fraud
It is hereby agreed and declared that the above entity cover also includes Fidelity cover $250,000 and in the aggregate with $2,500 excess.

Abuse Extension

This extension is on a claims made basis. It only covers claims made against You and notified to Us during the Period of Insurance. However, provided you give Us notice in writing of any facts that might give rise to a claim against You, as soon as practicable after You become aware of those facts and before the expiry date of this insurance, then this insurance will respond, notwithstanding the fact that no claim has actually been made against You prior to the expiry date.

Operative Clause

Subject to the terms, conditions, definitions and exclusions of this Policy (Other than as amended by this extension) We hereby agree to Indemnify You up to the Limit of Indemnity against all sums which you shall become legally liable to pay by the way of compensation (excluding any redress, punitive, exemplary, aggravated and/or multiple damages) as a result of a Claim or Claims first made against You and notified to Us in writing during the period of Insurance stated in the schedule by reason of Personal Injury arising out of Abuse or attempt threat committed or alleged to have been committed.

Definitions

Wherever used in this Extension the following words have the following special meanings;

Claim means; Any originating process (in a legal proceeding or arbitrations), cross claim or counter claim or third party claiming compensation against and served on an Insured.

Retroactive Date: From the original date that you have had this abuse extension with Us on a continuous basis or from the 1st November 2017.

Limit Of Liability

Our total aggregate liability during any one period of Insurance for all liability arising directly or indirectly out of or in connection with Abuse or attempt threat shall not exceed $5,000,000 any one claim or in the aggregate during any one period of Insurance. Furthermore, this Limit of Liability provided under this extension shall apply inclusive of all legal costs and expenses incurred by Us.

Legal Costs

We will pay all costs, fees and expenses incurred, with our prior written consent, by You in the defence of settlement of a claim or claims made against You but not exceeding in total the limit of Liability noted in this extension.

Exclusions

We shall not be liable;

  1. For any Liability in respect of which You are entitled to indemnity under any other Insurance
  2. For any liability arising from Abuse or attempt threat which occurred prior to the retroactive Date specified in this extension
  3. For any Liability arising from any facts and/or circumstances, of which You had become aware prior to commencement of the Period of Insurance, which is a reasonable person would have considered as facts and/or circumstances which may give rise to a claim or claims under the Policy.
  4. To indemnify any perpetrator or alleged perpetrator of any Abuse or Threat.
  5. For any fines or penalties or the costs of defending any criminal proceedings
  6. For any Claim or Claims brought against You in any country or jurisdiction outside the Commonwealth of Australia or New Zealand or Claims arising from the enforcement of any judgement, order or award in respect of any action first bought in any court of law, arbitration, tribunal or other judicial body outside the Commonwealth of Australia or New Zealand.
  7. For the excess as set out under Condition 1 of this extension
  8. For any Liability from any government redress program or similar as agreed
  9. For any redress scheme including but not limited to the National Redress Scheme

Conditions

  1. You shall bear the first $10,000 (Inclusive of costs and expenses) of any one Claim.
    For the purpose of determining the Excess applicable to any Indemnity provided under this extension, it is expressly agreed that all acts of Abuse or attempt(s) threat suffered by an individual claimant shall be deemed to be arising out of the originating cause. If there is more than one claimant, all acts of Abuse or attempts(s) threat suffered by each Individual Claimant shall be deemed to be arising out of original causes.
  2. You shall, as a condition precedent to Your right to be Indemnified under this Extension, ensure that You comply with all State and national legislation and requirements for dealing with minors.

Policy Exclusions

As per policy including Participant to Participant – no cover exists if one participant takes legal action against another participant arising from an incident whilst playing.

Policy Conditions

As per Insurers Policy Wording

Policy Wording

Combined Liability Professional Indemnity Policy