Slippery when wet

Slippery When Wet $650000 Fine

Slippery When Wet

A recent decision by the Queensland Court of Appeal has set the standard for compensation payouts for Slippery When Wet claims.

Silwood v Chandler [2016] QCA 273

The plaintiff alleged that as the occupier, it was incumbent upon the defendant to:

  • Switch on the outdoor light or otherwise illuminate the relevant area;
  • Warn the claimant the area may be wet; and
  • Ensure the area was dry.

Judgment was awarded in favour of the plaintiff to the value of $650,000.00

According to Aaron Clark of HopgoodGanim Lawyers

“Courts are beginning to expect occupiers to actively mitigate potential risks they may be aware of. A homeowner may not think their wet steps or porch are slippery. However, if a guest has no way of knowing these surfaces are wet at all, it is now incumbent upon an occupier to warn the guest against that risk.”

Would Insurance Cover The Risk?

Steve Sloan from Insure 247 explains that although this was a residential situations, businesses should also take active steps to reduce the risk, if you are aware of a slippery or dangerous situation you should mitigate the risk.

The award and cost would generally be covered by a home insurance policy, however in the case of a business a public liability policy would be required.

If you are still unsure, talk to our team on 1300 046 787, to discuss your requirement.

Public and Products Liability Insurance Quotes

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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation and needs. Please read the Product Disclosure Statement and contact us if you require any clarification.

 

Public Liability Insurance Risks

Comparing Public Liability

Comparing Public Liability Insurance for more occupations

Comparing Public Liability Insurance for more occupations

Public Liability Comparison is now comparing public liability insurance cover for more occupations. Even if you have been unable to find quotes online directly with the insurers.

Even if you have been unable to find quotes online directly with the insurers.

Even if you have been unable to find quotes online directly with the insurers, we may be able to offer quotes.

The following is a list of occupations that we have recently found quotes for from one insurer. Comparing Public Liability for more occupations

Comparing Public Liability For:

  • Accommodation – Holiday Cottages
  • Air-conditioning sales, service and installation (including humidifiers
  • Amusement Operator of Zorb Balls
  • Art Workshops and Market
  • Arts and crafts classes for children. Scissors, paper, glue, glitter, sequins, etc – no wood.
  • Balustrade manufacturing and installation
  • Boarding House
  • Boat builder / repairer up to 50 ft
  • Boilermakers / Welders / Fabrication (Excluding structural erection)
  • Building Maintenance (including painting)
  • Cabinet makers including installation
  • Camel Rides
  • Children’s Entertainment – face painting, games, parties
  • Children’s Party Entertainer
  • Community Cultural Clubs
  • Computer System Design
  • Concrete and or Formwork Contractor
  • Construction industry – Labour hire
  • Construction industry – Project Manager, Foreman, Supervisor.
  • Contract Consultant including Project Manager and Site Supervisor
  • Contract Manager – Caravan Park, Camping and Recreation reserve
  • Dancing instructors
  • Distribution and Supplier of Packaging Products,Pallets and Misc.
  • Earthmoving Contractors
  • Electrical Contractors including retails sales
  • Event Organisers
  • Farmstay
  • Farrier
  • Fashion Accessory Wholesalers
  • Fencing Contractor
  • Fitter / Mechanical repairs including sales of parts. (Excluding Driving Risk.)
  • Fitter / Mechanical repairs including sales of parts. (Including Driving Risk to $100,000.)
  • Function Centre – Mainly for Weddings, Birthday Events etc. In-house kitchen, food provided, with Bar facilities
  • Furniture Removalist and Storage (Domestic only)
  • General machinery maintenance
  • Handyman work only, excluding work where a Licence is required – e.g. plumbing, electrical etc.
  • Highrise Painting Contractors
  • Highrise Window Cleaners
  • Hire – Plant
  • Hire – Skip Bin
  • Hiring of Caravans. Long-term sited units only
  • Hotel
  • Indoor Play Café
  • Installation of Underground pipes and cables
  • Lift Maintenance Service
  • Light engineering (non structural)
  • Logging and or sawmilling
  • Logistics advisor/co-ordinator. Basic planning for trips, accommodation reports, flights
  • Manufacturers of corrugated cardboard and custom made boxes with max of 10% of imports.
  • Market stalls (excluding Products Liability)
  • Mineral Exploration including water drilling
  • Mobile DJ
  • Motel
  • Operator of Coin Operated machines
  • Painting / Protective Coating
  • Plasterer (Including external work)
  • Playground Installations
  • Property owner only
  • Property Owners – vacant land only up to 10 hectares
  • Property owners of retail and commercial property
  • Pumping and irrigation equipment – sales, service and installation
  • Quarry operation
  • Rail Work
  • Recording/distributors of hypnosis, self-help and relaxation CDs & MP3s
  • Registered Training Organisation – Classroom only. The students may on work experience for a couple of weeks as part of their course
  • Restaurants – Up to 50 covers (over 50 covers to be referred)
  • Road Construction
  • Sandblasting, water blasting, soda Blasting
  • Scaffolders
  • Self Storage Units
  • Shopping Trolley Collection Service including damage to vehicles
  • Skip bin waste collection
  • Specialist Cleaners of Rugs
  • Spray painting (no height limit)
  • Swimming pool installers including landscaping, fencing, lighting and tree lopping of branches to 5 metres
  • Tour Operator – Sightseeing tours
  • Transport Operation, storage and distribution
  • Transportable building – Sales, lease, maintenance and installation
  • Tree Lopper / Tree Surgeon / landscaping / mowing and general lawn maintenance
  • Tree Loppers/Fellers
  • Unoccupied building/s
  • Upholsterer
  • Vehicle Pilot
  • Window Cleaner
  • Wine Bars

 

Talk to our team on 1300 046 787, to discuss your requirement.

PUBLIC AND PRODUCTS LIABILITY INSURANCE COMPARED

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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

en provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

Do I need Liability Cover

Protecsure Enhances Liability Cover for Small Business

 

Protecsure Enhances Liability Cover for Small Business

Protecsure have announced  their Public Liability Insurance wording has been enhanced to now provide cover for the following additional occupations;

  • Drone flying (commercial and licensed only)
  • Hairdressers with treatment risk
  • Beauticians with treatment risk
  • Mechanics with driving risk
  • Gardeners with tree lopping up to 3 metres

They have also changed their rating matrix to exclude employees who are not skilled in the chosen occupation. For example, if you are an electrician and you employ a receptionist and a bookkeeper, these two employees do not need to be declared.

Additionally, Protecsure no longer require a minimum of 3 years experience for any occupation.

Policy Features

Together with our Protecsures’s other policy features such as;

  • Market leading sub-contractors extension
  • Waiver of subrogation
  • Worker to Worker cover with no additional excesses or premium loading
  • $50,000 Consumer Protection for plumbers in Vic and electricians in Qld

Protecsure public liability insurance

Protecsure is a general insurance underwriting agency formed in 1990, They are an agent for Chubb, AIG Australia Limited and W.R. Berkley Insurance(Europe), Limited incorporating W.R. Berkley Insurance Australia

Protecsure offer marine transit, equipment and public liability insurance

Public liability comparisons

Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation and needs

 

Publiclaibiltycomparison.com.au is brought to you by Insure 247 to assist Australian business compare Public Liability Insurance quotes from leading Australian Business Insurers :

Insure 247 Pty Ltd ACN 612944215 an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433.

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Sports Public Liability Insurance

As well as offering public liability comparisons for Australian businesses we can also offer quotes for public liability insurance packages for sports, sporting clubs, groups and associations, sport and leisure related businesses and licensed clubs

Amateur Sports

Archery, Athletics, Badminton, Baseball, Basketball, Bowls, Calisthenics, Cricket, Cycling, Dance Sport, Disabled Sport, Futsal, Golf Gymnastics, Hockey, Lacrosse, Netball, Orienteering, Roller Sport, Rowing, Soccer, Squash Swimming, Table Tennis, Tennis, Triathlon, Volleyball.

Facilities

Climbing Centres, Golf Driving Ranges, Ice Skating Centres, Indoor Sports Centres, Kids Gyms, Roller Skating Centres, Sports Facilities, Sport Simulators, Sports Stadiums, Squash Centres, Tennis Centres, and Ten Pin Bowling

Health and Fitness

Aquatic Centres, Boot Camps, Community Pools, Dance Studios, Fitness Centres, Fitness Studios, Health Clubs, Leisure Centres, Martial Arts, Personal Trainers, Pilates Studios, Swim Schools and Yoga Studios

Coaches & Clinics

Sport Clinics, Sport Coaches, School Sport Programs

Sporting Events

Community Events, Fun Runs/Marathons, Multi-Sports Events and Participation Events

Arrange Quote



Quotes will include Up to $50,000,000 limit of indemnity. $50,000 Temporary protection cover Member to Member Liability on most sports risks $500,000. Property in your Physical or Legal Control Additional 25% costs and expenses cover Participation Liability on most sporting risks

PUBLIC AND PRODUCTS LIABILITY INSURANCE COMPARED

Compare Public Liability Insurance

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Public Liability Insurance Compared

 

Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

 

Publiclaibiltycomparison.com.au is brought to you by Insure 247 to assist Australian business compare Public Liability Insurance quotes from leading Australian Business Insurers :

Insure 247 Pty Ltd ACN 612944215 an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433.

Compare Sports Insurers For Your Club