Policy Benefits

From its humble beginnings in rural Queensland in the early 1980s, Traders Voice has grown into a strong and vibrant association of stall holders and organisers.

With Traders Voice, you’re part of an association with a long track record of standing by its Policy Holders.

Our Public Liability Insurance has a minimum indemnity of $20,000,000 underwritten by QBE Australia and the Certificate of Insurance is issued when you pay for your policy.

Compare our policy and you’ll see we’re working for you.

Policy includes:

  • No restrictions on area
  • No limit on number of days
  • No cap on number of markets
  • No limit in shopping centres
  • Minimum cover of $20,000,000
  • Automatic unnamed principals extension
  • Product liability coverage available

Disclaimer: The insurer reserves the right to impose restricted terms and conditions which may require an increased Policy Premium.

Our Insurance Policy Is Your Gain

If you’re a stallholder or an organiser, Traders Voice offers coverage designed especially for you.

Together with QBE Australia, renowned globally as a leader in the insurance market, we’ve developed a unique product with multiple benefits that meet the special needs of stall holders and organisers. You’ll be hard pressed to match these benefits with any other policy on offer.

There’s no limit on:

  • Area
  • Number of days
  • Markets held
  • Venues used.

Plus:

  • You get $20,000,000 indemnity – venues are increasingly calling for the higher indemnity
  • We offer $100,000 protection for property in your care, custody or control
  • Our unnamed principals extension automatically gives you the formal comfort you’re often asked to provide.

To find out more, simply, download the policy or contact us for a copy of the policy.

Our Policy At A Glance

Cover

Under our public liability policy, cover is provided for legal liability to pay all sums through compensation and all costs awarded against you for personal injury and property damage, occurring during the period of insurance and caused by an incident within the territorial limits in connection with your business as described, all in accordance with the terms and conditions of the policy.

Indemnity

(a) Public Liability The maximum liability in respect of any one claim, or a series of claims, for personal injury or property damage caused by or arising out of one event is $20,000,000.

(b) Product Liability The total aggregate liability during any one period of insurance for all claims arising out of your products will not exceed $20,000,000.

Deductible

$0  – The Traders Voice policy has been negotiated for you with NO Excess

Exclusions

There is a list of common risks that most insurance policies won’t cover. While these are clearly stated in the policy document, most have limited exposure to your everyday activities.

More relevant exclusions are:

  • Employment liability for personal injury. Your public liability policy won’t cover this. You must maintain appropriate workers compensation or similar statutory insurance where you engage permanent or casual employees.
  • Property in custody or control. A limit of $100,000 will apply where you are found to be legally liable for damage to property in your physical or legal control. This limit will not apply to premises leased to or rented by you.
  • Vehicles. Any vehicle that does not belong to you but is in your physical or legal control where damage occurs in a car park owned or operated by you, unless you own the car park for reward.
  • Employees property. No liability will be covered.

Product exclusions you should know about:

  • Product defect. Property damage to your products if the damage is attributable to any defect in the products or to their harmful nature or unsuitability.
  • Product recall. Claims resulting from any loss or expense incurred by you for products withdrawn from the market, or from use, because of any known or suspected defect, deficiency or dangerous condition.
  • Aircraft, watercraft and hovercrafts products/parts including drones. Cover does not apply.

Your best action is to read the policy document and contact us if you need any assistance.

STALLHOLDERS

Stallholder Membership – Standard Fee $185*

ORGANISERS

Organiser Membership – Price on Application

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