it is mu understanding that any busnession or organisation that can indrectly harm the pulic at large is required in there premese licence(local councel) to produce documentation of public liability insurance before the licence is issued
its now to the point where farmers are required to have it to protect the public while poaching on there property and for the aspect of livestock on the road from there padocks
for example back when i was doing fireworks because we housed exposives on site we were required to have it it for the protection of those driving past or anyone that broke in and atempted to steal
Then when were were out on a event we had to have another forum of public liabilty to ptrotect the public at large from falling debre from the exploding starshells and faulty pyro
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Business Liability Insurance
With The changes to the RDC Bylaws review which will be approved by the end of this year.
It’s very important that all businesses have business liability insurance and/or review their liability insurance to ensure that it extends to the public areas outside their shops/businesses. Particularly if you have clothing racks, display goods, sign boards, tables & chairs, pot plants and doormats.
Even if your business is located on privately owned land which has public access - you are not exempt. You will still be subject to third party claims, check your insurance policy. RDC is effectively placing all liability for public areas onto businesses.
This will also means charity/sports groups must hold a current liability cover when fundraising eg sausage sizzle, cake stalls etc. especially when they operate outside businesses on private land. Those businesses offering this service must insure that they get charity groups to complete the appropriate liability disclaimer forms and provide a copy of their charity organisations annual liability insurance policy. In most cases your business liability cover will not include not for profit groups, should a claim be made by a third parly
