We attend quite a few shows as traders.It is getting ridiculously that traders have to get their own insurance. How can clubs operate an exhibition and expect traders tocome pay for stand fees then put the cost of public liabilities on top of this. Got an email tonight about this.Sounds pretty rude given traders attendance benefits the clubs through fees and higher attendance. Even if they bumped the fees, to cover the exhibition/shows public liability insurance, it would probably be cheaper than the collective cost of individual traders taking out insurance. Do they insist individual exhibitors have their own PLI? If not there is a case of double standards.
PLI is a big problem, the hosting organization of the show must have its own PLI.No need if you are a limited liability company.
Even with that however, they cannot assume your risk as a trader or exhibitor, sensible exhibitors should either have PLI if they are a club, or be very sure that their household contents cover will insure them.
Traders are just plain crazy if they do not have a PLI policy of their own (or make damn sure their household or other business insurance has them covered).
Sounds like foolish advice to me. I guess it depends on the nature of the business, but anyone who attends customers premises to carry out work, i.e. tradies, needs to consider the fact that almost all commercial entities, wouldn't let them through the door, if they knew were uninsured.PLI is a big problem, the hosting organization of the show must have its own PLI.No need if you are a limited liability company.
Even with that however, they cannot assume your risk as a trader or exhibitor, sensible exhibitors should either have PLI if they are a club, or be very sure that their household contents cover will insure them.
Traders are just plain crazy if they do not have a PLI policy of their own (or make damn sure their household or other business insurance has them covered).
Every trader that attends a market must have PL insurance.Not if the stall is owned and operated by your company and your company owns nothing.
I see a model train exhibition with traders in attendance as no different.
If your stall collapses for some unforeseen reason and squashes a small child then you will lose your home and anything else you own if you don't have the correct insurance
The injured party can sue your limited liability company, they can sue the building owner, they can sue the event organiser, or they can sue an individual directly. They will sue whoever is most likely going to be found to have a liability for the injury and just as importantly they will sue whoever is most likely to one way or another be forced to pay whatever settlement is agreed or awarded. If, hypothetically, the stall you set up collapses and squishes the child you can still be personally sued (you, not the business) because you set up the stall in an unsafe manner and as such it was your personal negligence that caused said injury. Bye bye houseEvery trader that attends a market must have PL insurance.Not if the stall is owned and operated by your company and your company owns nothing.
I see a model train exhibition with traders in attendance as no different.
If your stall collapses for some unforeseen reason and squashes a small child then you will lose your home and anything else you own if you don't have the correct insurance
No, I am not a lawyer, and I do not ask people to accept my comments as 'legal advice', but the fact remains that unless I directly cause injury to someone, they can only sue my company, and my company has limited assets to pay any claim. So it is not Bye Bye House at all. If you want, try Googling it.The injured party can sue your limited liability company, they can sue the building owner, they can sue the event organiser, or they can sue an individual directly. They will sue whoever is most likely going to be found to have a liability for the injury and just as importantly they will sue whoever is most likely to one way or another be forced to pay whatever settlement is agreed or awarded. If, hypothetically, the stall you set up collapses and squishes the child you can still be personally sued (you, not the business) because you set up the stall in an unsafe manner and as such it was your personal negligence that caused said injury. Bye bye houseEvery trader that attends a market must have PL insurance.Not if the stall is owned and operated by your company and your company owns nothing.
I see a model train exhibition with traders in attendance as no different.
If your stall collapses for some unforeseen reason and squashes a small child then you will lose your home and anything else you own if you don't have the correct insurance
Usual disclaimer applies: I'm not a lawyer, TheBlacksmith isn't a lawyer. If you want to save your butt (and house) don't get your legal advice from Railpage forums.
No need for me to google it, I understand the full ramifications of tort law.Funny, you just said you were not a lawyer. This issue arose for me about 5 years back, and I did go to the trouble of getting paid legal advice in relation to it. I am simply telling a short version of what I was advised. But if you don't want to Google it, here is a link: https://au.answers.yahoo.com/question/index?qid=20090806115213AA6e1U8
I own a special event catering company that regularly attends agricultural shows, rodeos, car shows and special events such as Australia Day and Carols by Candlelight.That's fine, you are earning money from doing that work, but it is not relevant to this discussion.
At every event I attend the promoter or organiser has their own PL policy which covers their people and their actions at the event.
I also have to provide proof of my $20M policy before I can even attend the event.
No insurance, no job.
One does not need to be a lawyer to understand laws. One also does not need to he a lawyer to know a link to a nobody giving advice about American law on an unmoderated yahoo.com forum is NOT, I repeat NOT, sound legal advice.
If I was trying to point score I'd go for something a bit more authoritative, and given we're both in Victoria that would be the Wrongs and Other Acts (Law of Negligence) Act 2003. http://www.legislation.vic.gov.au/domino/web_notes/ldms/pubstatbook.nsf/f932b66241ecf1b7ca256e92000e23be/edbb4dd2b6bbb604ca256e5b00214122!OpenDocument
They will sue whoever is most likely going to be found to have a liability for the injury and just as importantly they will sue whoever is most likely to one way or another be forced to pay whatever settlement is agreed or awarded.
Can you just get over the fact that I am not offering a legal advice on this. It is MY PERSONAL OPINION, got that?And I'm just pointing out the laws don't match your personal opinion.
Has anything changed about PLI since this was discussed a couple of years ago:I doubt very much that anything has changed 69. Let's just move on. Nothing to see here.
http://www.railpage.com.au/f-t11366490.htm "Model Train Shows and Public Liability for Exhibitors"
Excuse me Mr Know it allI own a special event catering company that regularly attends agricultural shows, rodeos, car shows and special events such as Australia Day and Carols by Candlelight.That's fine, you are earning money from doing that work, but it is not relevant to this discussion.
At every event I attend the promoter or organiser has their own PL policy which covers their people and their actions at the event.
I also have to provide proof of my $20M policy before I can even attend the event.
No insurance, no job.
The issue is the people who exhibit model railway layouts and get paid nothing or a pittance, why should they have to fork out for a policy to cover themselves, when it is little more than a voluntary job. Traders may make more money, although there are some who are really only operating a small business part time.
Oh, I dunno, might be something to do with the fact that the OP is not configured as a business and is making a few quid out of selling things to modellers, whereas it is your main business in operating a special event catering business. But thanks for your comment Mr. Not-As Smart-As-He-Thinks.Excuse me Mr Know it allI own a special event catering company that regularly attends agricultural shows, rodeos, car shows and special events such as Australia Day and Carols by Candlelight.That's fine, you are earning money from doing that work, but it is not relevant to this discussion.
At every event I attend the promoter or organiser has their own PL policy which covers their people and their actions at the event.
I also have to provide proof of my $20M policy before I can even attend the event.
No insurance, no job.
The issue is the people who exhibit model railway layouts and get paid nothing or a pittance, why should they have to fork out for a policy to cover themselves, when it is little more than a voluntary job. Traders may make more money, although there are some who are really only operating a small business part time.
Can you not see the relevance to this thread in the OP's opening sentence.
" We attend quite a few shows as traders.It is getting ridiculously that traders have to get their own insurance. How can clubs operate an exhibition and expect traders tocome pay for stand fees then put the cost of public liabilities on top of this. Got an email tonight about this"
It matters nothing if he is configured as a business.Oh, I dunno, might be something to do with the fact that the OP is not configured as a business and is making a few quid out of selling things to modellers, whereas it is your main business in operating a special event catering business. But thanks for your comment Mr. Not-As Smart-As-He-Thinks.Excuse me Mr Know it allI own a special event catering company that regularly attends agricultural shows, rodeos, car shows and special events such as Australia Day and Carols by Candlelight.That's fine, you are earning money from doing that work, but it is not relevant to this discussion.
At every event I attend the promoter or organiser has their own PL policy which covers their people and their actions at the event.
I also have to provide proof of my $20M policy before I can even attend the event.
No insurance, no job.
The issue is the people who exhibit model railway layouts and get paid nothing or a pittance, why should they have to fork out for a policy to cover themselves, when it is little more than a voluntary job. Traders may make more money, although there are some who are really only operating a small business part time.
Can you not see the relevance to this thread in the OP's opening sentence.
" We attend quite a few shows as traders.It is getting ridiculously that traders have to get their own insurance. How can clubs operate an exhibition and expect traders tocome pay for stand fees then put the cost of public liabilities on top of this. Got an email tonight about this"
I am getting tired of this, but here goes: The greatest burden falls upon the little guy who turns up to exhibit a model railway. In some cases they are paid to turn up, in some they get bugger all for turning up, but they have to go to the trouble of transporting the layout from where it is stored to the venue, assemble it, operate it for two or three long days for which they might get coffee, sandwiches and soft drink, then pack it all up and take it home. Why should they also have to shoulder the burden of PLI? It should be provided by the venue organisers, because if the model layouts don't turn up, then the whole show fails.It matters nothing if he is configured as a business.Oh, I dunno, might be something to do with the fact that the OP is not configured as a business and is making a few quid out of selling things to modellers, whereas it is your main business in operating a special event catering business. But thanks for your comment Mr. Not-As Smart-As-He-Thinks.Excuse me Mr Know it allI own a special event catering company that regularly attends agricultural shows, rodeos, car shows and special events such as Australia Day and Carols by Candlelight.That's fine, you are earning money from doing that work, but it is not relevant to this discussion.
At every event I attend the promoter or organiser has their own PL policy which covers their people and their actions at the event.
I also have to provide proof of my $20M policy before I can even attend the event.
No insurance, no job.
The issue is the people who exhibit model railway layouts and get paid nothing or a pittance, why should they have to fork out for a policy to cover themselves, when it is little more than a voluntary job. Traders may make more money, although there are some who are really only operating a small business part time.
Can you not see the relevance to this thread in the OP's opening sentence.
" We attend quite a few shows as traders.It is getting ridiculously that traders have to get their own insurance. How can clubs operate an exhibition and expect traders tocome pay for stand fees then put the cost of public liabilities on top of this. Got an email tonight about this"
If he is trading at an event he needs insurance.
It is not just public liability but also product insurance that is required.
What if the said trader unknowingly sells a faulty control unit to a customer at a railway model show and the client plugs it in and is electrocuted.
These are all scenarios covered in the policy.
If anyone wants to operate in the public domain and is allowed to or chooses to do so without some form of protection that is readily available, then more fool them.
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