Liability

Liability

Insures you for your legal liability for accidental loss to the property of others or accidental injury to any other person in connection with your business.  It also provides cover for your legal defence costs. 

What we cover

The FMG Liability policy automatically includes these benefits. 

In the event you do not renew or replace your policy, your cover will be automatically extended until 60 days after the period of insurance ends.

Covers your liability for levies, costs and losses under the Forest and Rural Fires Act 1977, up to $1,000,000. You can also choose a higher level of cover.

Up to $5,000 of cover for liability for costs payable under Fire Service Act 1975 arising from a hazardous substances emergency at your premises.

If you own tenanted premises this covers your liability for accidental loss or injury caused by your negligence, or by your employee or agent’s negligence, or due to a defect in the premises. 

Cover for accidental loss to other people’s property caused by your animal escaping or wandering while they are under your or your employee’s control. There is also cover for accidental loss to the property of others caused by objects or harmful materials (other than liquids or sprays) being thrown up from your farm vehicle or caused by trees on your property falling in a storm.  Cover is up to $5,000, or you can choose a higher limit. 

Up to $10,000 of cover for your liability for accidental loss to other people’s property that is in your care. 

Optional extras

These are some of the Optional Benefits you can purchase for even more comprehensive insurance.

Cover for your liability as a bailee for accidental loss to the property of other’s that’s in your control at your premises. 

Covers your liability up to $500,000 for accidental loss or injury arising from your use of a harvester. You can also choose a higher level of cover. 

Liability cover for accidental loss to the property of others from spraying drift arising from your spraying of herbicides, fungicides or pesticides. This benefit does not cover the actual property being sprayed.

Up to $250,000 of cover for your legal liability for accidental loss or injury as a result of your causing accidental loss to any underground services, provided all reasonable precautions and inquiries have been made.

Up to $250,000 cover for your legal liability for accidental loss or injury as a result of your removing, weakening or interferring with the support to land or buildings.

Covers your liability if you’re ordered to pay penalties following prosecutions for unintentional, negligent conduct in connection with your business under various statutes. Where there is cover under this benefit in respect of a health and safety infringement, we will pay up to $2000 for counselling costs.

Covers your liability for accidental loss or injury in connection with your products, provided you’ve taken all reasonable steps to ensure that they are in good condition and fit for purpose. 

What we pay

Some benefits have a maximum payment amount specified in the policy wording. All other payment limits will be set out in your insurance certificate.

For Statutory Liability Optional Benefits reasonable and necessary legal defence costs are included in the payment limits. For any other liability cover reasonable and necessary legal defence costs are on top of the liability limit, up to the value payable under the relevant benefit.  

Download Policy

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wording using the link below, or you can get a free copy by calling us on 0800 366 466.

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wording using the link below, or you can get a free copy by calling us on 0800 366 466.

 

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