Group Sport Liability Insurance

Period of insurance
31st December 2007 at 4pm Local Standard Time to 31st December 2008 at 4pm Local Standard Time.

Whose Insured
Queensland Rugby Football League Limited, its Divisions, affiliated Local Leagues and Clubs including all Registered Players, Coaches, Trainers, Referees, Officials, Directors, Officers, Committee Members, Employees, Work Experience Students and Voluntary Workers.

What’s Covered
The policy will pay for sums which an Insured (refer above) becomes legally liable to pay for compensation in respect of personal injury, property damage and or advertising liability. This includes, but is not limited to:

Participation Risk
Where an Insured (refer above) actively engaged in sporting and social activities is injured and takes legal action against another non participating insured for Personal Injury whilst playing. This cover does not apply to claims or incidents brought by one participant against another participant for personal injury or property damage occurring whilst competing and or practicing.

Tenants Liability
If as a result of the hiring or leasing a premises the Club incurs a liability.

Products Liability
This relates to products that the Club sells. (i.e. canteen items such as food and beverages)

Property in Care, Custody or Control
If you have goods or property entrusted to you and you are held liable for damage to the goods, this extension will cover you to the value of $1 000,000.

Professional Liability
Covering breach of professional duty by qualified Coaches, Referees, Trainers and Officials.

Advertising Liability
This relates to such things as:-
• libel, slander or defamation (not made with prior knowledge of the falsity thereof)
• infringement of patent, copyright, design or title or slogan
• piracy or unfair competition or idea misappropriation under an implied contract
• any invasion of right of privacy
• infringement of trademark, service mark or trade name in a title or slogan but only where used on or in connection with goods or services sold, offered for sale or advertised

where occurring unknowingly and unintentionally committed or alleged to have been committed during the period of insurance in any advertisement, publicity articles, broadcast or telecast and arising out of the Insured's advertising activities.

Property Owners’ Liability
Covering your liability as an owner of the premises.

Erection and Alteration to Buildings
Providing liability coverage for claims incurred by you as a result of the erection, demolition of and/or alteration or addition to buildings or structures as long as such work does not exceed $20,000.

Does the Policy Extend to all Club Activities?
The policy is intended to cover the normal” activities of Rugby League. This includes administration, development, promotion, organisation and conducting of Rugby League (including Rugby League Sevens and League Tag) games and coaching courses and/or clinics.
The policy will provide automatic cover for raffles, and BBQ’s after games and training. All other fundraising and social activities must be referred to the Insurer via OAMPS Insurance Brokers for approval. Depending on the event and/or activity, you may be required to take out additional cover. The cost of any additional cover (if any) will be determined on a case by case basis.

What are the cover limits
The limits of indemnity are:-

Policy Limits

Public Liability $20,000,000 any one occurrence
Excess - $500 each and every claim
Excesses applying are the responsibility of the defending party and will not be paid by the QRL

Products Liability $20,000,000 any one period of insurance
Excess - $500 each and every claim
Excesses applying are the responsibility of the defending party and will not be paid by the QRL

Professional Liability $5,000,000 any one period of insurance
$500 each and every claim.
Excesses applying are the responsibility of the defending party and will not be paid by the QRL

Geographical Limits
The policy provides cover Worldwide excluding USA & Canada

Professional Liability Retroactive Date
1 January 1998
Important Note: - Professional Liability
The Professional Liability Section of the policy is written on a Claims Made Basis. This means that cover is provided for claims
which are first made against an Insured and immediately notified to the Insurer in writing during the period of insurance.
Delay in notifying the Insurer or failure to provide all relevant facts could result in the claim being denied.

Major Policy Exclusions