A hot work policy exclusion on a public liability insurance policy in Australia is a clause that excludes coverage for any damage or liability arising from hot work activities. Hot work activities refer to any work involving heat or flame, such as welding, soldering, cutting, or brazing.
The exclusion means that if an incident or accident occurs during hot work activities and results in property damage, bodily injury, or any other liability, the insurance policy will not cover the damages or liability costs.
It’s important to note that hot work policy exclusions are common in public liability insurance policies in Australia and are typically included to reduce the insurer’s risk exposure to potentially high-risk activities. As such, businesses need to understand any policy exclusions and ensure that they have appropriate safety measures to mitigate any potential risks associated with hot work activities.
If you do hot work like flame cutting, flame heating, arc or gas welding, metal grinding or any similar operation in which welding, metal grinding or cutting equipment is used, except where such use is carried out in strict compliance with all relevant statutes and Australian Standards 1674.1 and 1674.2 (or any subsequent amendments), resulting claims may be excluded.
You can take several steps to reduce the liability arising from hot work activities, including:
By implementing these safety measures, Tradies can reduce the risk of liability arising from hot work activities and ensure a safe work environment for themselves and their employees.
Publicliabilitycomparison.com.au by Insure 247 Ausure Insurance Brokers Pty Ltd T/as Insure 247 Authorised Representative of Ausure Pty Ltd AFSL 238433.
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