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Public liability insurance for market stall and trade exhibitors

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Duty of Disclosure

It's important that you read and understand your duty of disclosure and that you answer all our questions accurately.

What you must tell us

Before you enter into an insurance contract, you have a duty to tell us anything that you know, or could reasonably be expected to know, may affect our decision to insure you and on what terms.

You have this duty until we agree to insure you. You have the same duty before you renew, extend, vary or reinstate an insurance contract.

You do not need to tell us anything that:

reduces the risk we insure you for; or
is common knowledge; or
we know or should know as an insurer; or
we waive your duty to tell us about.

What happens if you fail in your duty?

If you do not tell us anything you are required to, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

Choose your policy start date

Enter a date up to 90 days from today, until {value}.

How long do you want insurance for?

For the lowest daily rate, choose a 12 month policy

radioButton_monthDuration

3 months 6 months 12 months

Please select a policy length

Select a liability cover amount?

radioButton_coverAmount

$10 Million $20 Million

Please select a cover amount

Select your liability cover type?

radioButton_coverType

Public liability only Public and Products liability

Covers your stall setup

Covers your setup and goods

Please select a cover type

Products we do not cover

If you sell or manufacture any of these products, we will not offer cover:

Seafood and small goods

Animal feed

Toys or games

Sporting

Model or remote control

Beauty products

Second hand mechanical or electrical goods

Dangerous, hazardous or flammable goods

Load bearing equipment

Weapons or firearms

Bicycles, vehicles, watercraft or aircraft Vehicles

Medicinal or pharmaceutical remedies or treatments

Do you sell or manufacture any of these products?

radioButton valid Product

Yes No

Please confirm your products

Important information

If we agree to give you this insurance, your policy will be subject to the policy terms and conditions. These include:

In the event of a claim, the excess payable is $500

The policy is non-cancellable and non-refundable

Coverage does not apply to shopping centres, amusement rides, jumping castles or animal rides

During the preparation and sale of food and related items, we require that you comply with the Food Safety Practices and General Requirements set by the Food Standards Australia & NZ

Coverage does not apply to the excluded products/activities listed above.

Important information

Sorry, we currently do not offer insurance coverage to any market stall that sells or manufactures any of the above products

Medicinal or pharmaceutical remedies or treatments

Medicinal or pharmaceutical remedies or treatments, or, medical, remedial or beautification equipment or any device designed to pierce the skin including but not limited to the application of any tattoo or body piercing item

Seafood or smallgoods

Second hand mechanical or electrical goods

Bicycles, vehicles, watercraft or aircraft Vehicles

Vehicles (including bicycles), motor vehicles, watercraft or aircraft, or, equipment or parts used for the navigation, safety or to provide motive power to any vehicle or craft

Weapons or firearms

Weapons or firearms of any kind including (but not limited to) knives, swords, firearms, ammunition or any device requiring a license to possess or use due to its dangerous aspects

Load bearing equipment

Load bearing equipment including scaffolding, ladders, and steps or rigging devices

Safety equipment

Safety equipment (including for sporting, industrial or domestic use)

Power tools

Any tobacco products

Any tobacco products, including synthetic or herbal tobacco, or any product designed to replicate the effects of tobacco or any other drug; or, smoking paraphernalia

Dangerous, hazardous or flammable goods

Dangerous goods include substances which are shown in the Australian Code for the Transport of Dangerous Goods by Road or Rail;

Liquid fuels, liquefied or compressed gasses, toxic chemicals, acids, organic peroxides, or corrosives;
Infectious, explosive radioactive, or oxidising substances; or
Substances with a flashpoint of below twenty two point seven degrees Celsius (22.7°C).

Sporting

Sporting, exercise or physical training equipment

Beauty products

Beauty products, cosmetics, soaps, fragrances or essential oils that you have manufactured, imported, repackaged, relabelled or rebranded

Model or remote control

Model or remote control aircraft, watercraft or vehicle of any size

Policy Length

Choose from 3 options:

3 months (90 days)
6 months (180 days)
12 months (365 days)

Important Information

If we agree to give you this insurance, your policy will be subject to the policy terms and conditions. These include:

In the event of a claim, the excess payable is $500
The policy is non-cancellable and non-refundable
Coverage does not apply to shopping centres, amusement rides, jumping castles or animal rides
During the preparation and sale of food and related items, we require that you comply with the Food Safety Practices and General Requirements set by the Food Standards Australia & NZ
Coverage does not apply to the excluded products/activities listed above

Cigarettes or cigars

Cigarettes or cigars of any kind including electronic cigarettes, electronic vaping devices, personal vaporizer, or electronic nicotine delivery system, or any consumable component

Animal Feed

Animal feed intended for animals other than domestic pets

Important Information

If we agree to give you this insurance, your policy will be subject to the policy terms and conditions. These include:

In the event of a claim, the excess payable is $500
The policy is non-cancellable and non-refundable
Coverage does not apply to shopping centres, amusement rides, jumping castles or animal rides
During the preparation and sale of food and related items, we require that you comply with the Food Safety Practices and General Requirements set by the Food Standards Australia & NZ
Coverage does not apply to the excluded products/activities listed above

Toys or games

Liability cover type

What is public liability insurance?

If a third party is injured or their property is damaged by your stall - then public liability insurance will cover you for your liability for compensation/damages and the cost of legal representation.

What is products liability insurance?

If a third party is injured or their property is damaged as a result of a product you sell in your stall - then products liability insurance will cover you for your liability for compensation/damages and the cost of legal representation.

Your Cover Summary

Total amount payable

${value}

incl GST and gov’t charges

Important Information

From {value}

{value}

Total amount payable

incl GST and gov't charges

${value}

Add your details

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What products and services does your stall/exhibit offer?

You may list multiple products and services. This will appear on your certificate of currency.

Business Details

Is your business operated as a trust?

isTrust

Yes No

Trust name

Trust ABN (optional)

Trustee Type

Business Type

Business Type Radio Button

Sole Trader Individual Partnership Company Association/Committee

Title

Given name(s)

Family name

Title

Given name(s)

Family name

help test

Title

Given name(s)

Family name

To add additional partners please contact us on 13 22 44 after purchasing the policy

Business Name

Company Name

Association/Committee Name

Trading name (if applicable)

Do you have an ABN or ACN?

Find your ABN or ACN (opens in new window)

Select from the following

Yes No

ABN

ACN

Please enter a valid ABN or ACN

Additional Authorised Contact Person

Authorised Contact Person

Full name

maximum instance are done..

Full name

To add additional partners please contact us on 13 22 44 after purchasing the policy

Postal Address

Enter your postcode or suburb

Type your postcode or suburb and then select from the list

Street address or PO Box details

Is the person to be insured eligible for the NSW small business stamp duty exemption?

Yes No

If you click YES you are declaring that you are a Capital Gains Tax small business entity (within the meaning of section 152-10(1AA) of the Income Tax Assessment Act 1997) for the income year in which this insurance starts, and that you are an individual, partnership,company or trust, which is carrying on business with an aggregated turnover of less than $2 million. A false declaration can result in significant monetary penalties.

Contact Details

Mobile number

Alternative phone number (optional)

Email address

Every now and then, we and any related companies that use the AAMI brand might let you know about news, special offers, products and services that you might be interested in - are you ok with that?

Yes

Yes No

For your convenience, AAMI will send this policy's documents and policy related communications to you only by email, so that you receive them quickly.

Select from the following

No Thanks. I'd prefer to receive this policy's documents (including the certificate of currency) only by post.

More information about choosing this policy's contact preference

Further Questions: Your History

For the questions below "you" refers to the insured(s) of this policy. This may include owners, directors, officers, partners or trustees.

In the last 5 years has an insurer ever declined to offer you an insurance policy, or cancelled, refused renewal or restricted cover under your previous insurance policies?

QuestionOne_radiobutton

Yes No

In the last 10 years have you been convicted of a criminal offence?

QuestionTwo_radiobutton

Yes No

In the last 5 years have you been or are you currently bankrupt, insolvent, under administration, in liquidation or in receivership?

QuestionThree_radiobutton

Yes No

Have you had any claims or insurable events occur in the last 3 years?

QuestionFour_radiobutton

Yes No

Trust

A trust is an entity that holds property or income for the benefit of others.

If you operate your business as a trust, enter the Trust details at this question, and enter the Trustee details at the 'Trustee type' question.

Business Type

This is your Business Type as noted on the Australian Business Register (ABR).

Sole trader

An individual trading on their own.

Individual

A person trading a business without being noted on the Australian Business Register (ABR) and does not hold an ABN/ACN. Typically this type of business is operated as a hobby micro business and has very low revenues.

Partnership

Two or more people or entities running a business together, but not as a company.

Company

A legal entity separate from its shareholders.

Association/Committee

A business which is intended to remain subordinate to another larger deliberative assembly.

Business Name

Please enter your official Business/Sole Trader name you’d like insured on your policy.

Company Name

Please enter your official company name you’d like insured on your policy.

Association/Committee Name

Please enter your Association/Committee name as it appears on your company registration documentation.

Trading Name

This is your Trading name as noted on the Australian Business Register (ABR).

ABN or ACN

ABN

An Australian Business Number (ABN) is a unique identifying number issued by the Australian Federal Government through the Australian Business Register.

ACN

An Australian Company Number (ACN) is a unique identifying number issued by the Australian Securities and Investments Commission (ASIC) for registered companies.

Authorised contacts

To ensure that your privacy is maintained during the life of this policy, we need you to tell us who you authorise to be a contact person.

Sole traders, individuals, and partners already named are automatically authorised and don't need to be listed here.

It is important to remember to include your name here too; otherwise you may not have future authority on this policy.

Contact preference

If you do not select the tick box above, we will send this policy’s documents and policy related communications to your email address only. We’ll also send you an SMS reminder from time to time, so please check that the mobile number you have provided us is up to date.

You can choose how you receive this policy’s documents - email or by post, it’s up to you. If you do choose email, please provide us with an email that you have regular access to. You’re free to change this policy’s contact preference at any time after purchase, either online (for eligible policies) or by calling us on 13 22 44.

Your choice will not affect any existing AAMI marketing communications preference you have. See the PDS for details about how we communicate with you electronically.

Insurance cancelled or refused

Declined or refused insurance
This is where an insurance company has declined to enter into an insurance contract with you or refused to offer a renewal of an insurance contract. Where a contract of insurance has been in place, the insurance company will typically send a letter telling you why the cover is being refused.

Restricted cover
In some cases an insurance company may place special conditions that restrict the cover on your policy. These conditions are specific to you and your business operations.

This question does not refer to general endorsements on your policy; it’s only for special conditions that have been applied to your insurance contract by your insurer.

Criminal offences

Criminal offences do not consist of fines for minor motor offences such as not wearing a seatbelt or parking, but do include cases where you have been criminally charged and convicted.

You do not have to disclose convictions that are considered ‘spent’ under the Spent Convictions Scheme.

Bankruptcy, receivership and liquidation

Bankruptcy
Bankruptcy is a legal state that an individual may enter when they cannot repay their debtors.

Receivership
Receivership and liquidation applies to companies that become insolvent. In receivership, a receiver is appointed to operate the company.

Liquidation
Liquidation is where a business you have had has been closed and the assets are sold off to repay the debtors.

Prior claims and losses

This policy will insure your business for the covers you have chosen, such as your business Public Liability or Commercial Motor insurance. Over the last three years, for the covers you have selected, have you:

Had more than 3 claims?

Had insurance claims totalling more than $5,000?

Incurred uninsured losses to things covered by this policy totalling more than $5,000?

If you answer yes to any of these questions, please choose 'yes'.

Stamp Duty Exemption

From 1 January 2018, NSW small businesses will be exempt from paying stamp duty on commercial vehicle insurance, public & product liability insurance, occupational indemnity insurance. Revenue NSW has stated that: "You are a small business if you are an individual, partnership, company or trust that is carrying on a business, and the business has an aggregated turnover of less than $2 million. Aggregated turnover is your annual turnover plus the annual turnovers of any business entities that are your affiliates or are connected with you." If you are uncertain whether you classify as a small business, please speak to your financial adviser. False declarations may result in penalties up to of $11,000 by Revenue NSW plus the insurance duty not paid and penalty interest on that balance.

For more information visit www.revenue.nsw.gov.au then go to the Insurance Duty page.

Aggregated Turnover

Aggregated turnover is your Australia wide annual turnover plus the annual turnovers of any business entities that are your affiliates or are connected with you.

Your Cover Summary

Total amount payable

${value}

incl GST and gov’t charges

Important Information

From {value}

{value}

View Premium Summary

Total amount payable

incl GST and gov't charges

${value}

View Premium Summary

Your Premium Summary

Base premium

$ {value}

Fire/Emergency Services Levy

$ {value}

Stamp Duty

$ {value}

As you have declared you are eligible for a NSW small business stamp duty exemption, your quoted premium may include no, or a reduced amount of, stamp duty. A false declaration can result in significant monetary penalties. You can change your declaration by clicking the back button.

GST

$ {value}

Total amount payable

$ {value}

Important Information

If we agree to give you this insurance, your policy will be subject to the policy terms and conditions. These include:

In the event of a claim, the excess payable is $500
The policy is non-cancellable and non-refundable
Coverage does not apply to shopping centres, amusement rides, jumping castles or animal rides
During the preparation and sale of food and related items, we require that you comply with the Food Safety Practices and General Requirements set by the Food Standards Australia & NZ
Coverage does not apply to the excluded products/activities listed above