Norwest NSW
Injury to a Child or Guest
A child trips on a step. A customer slips on a wet floor. A guest gets hurt at your event. It happens, and when it does, you could be facing medical costs, a legal claim and a lot of stress.
Injury to a child or guest is covered under public liability insurance. It responds when someone other than your staff is injured, or their property is damaged, because of your business.
Who it suits
- Childcare, play centres and kids' party businesses
- Jumping castle and amusement hirers
- Cafes, restaurants, shops and gyms
- Event organisers and venues
- Anyone who has the public on their premises
What it can cover
- Legal liability for injury to customers, visitors and guests
- Medical and legal costs connected to a claim
- Defence costs, even if the claim turns out to be unfounded
- Property damage to others
What to check
- The limit. $10 million is common, but some venues require more.
- Exclusions for certain activities, like inflatables or amusement devices.
- Conditions, such as supervision ratios, safety checks or operator training.
- Whether children are specifically covered, and any age limits.
Case study
An example
At a children's birthday party, a child slips off a play structure and fractures an arm. The parents make a claim against the party operator. Public liability cover responds to legal costs and any compensation the operator is found liable for, if the operator met the policy conditions.
Illustrative example only. Cover depends on your policy wording.
Contact us
Before you call, it helps to know:
We're based at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Guest and child injury FAQs
No. That's workers compensation.
You may still face a claim. Cover helps pay for defending it.
Sometimes. Higher-risk activities may need specific wording. Tell us what you do.