Adelaide Fringe Fest

Public & Products Liability insurance specifically designed to cover the needs of Market Stallholders. This policy will provide protection to you, where you have a liability at law for property damage &/or bodily injury to another person.

In order for City Rural Insurance Brokers to provide you with an Obligation Free Quote, please complete the following.

Personal Information

Name of person seeking insurance *

Company Name

Address

Suburb/Town *

State

Postcode

Email Address *

Phone *

Fax

Mobile Phone

Preferred method of contact *

Occupation *

Are you or have you previously been insured against the risks to be insured? *yesno

Have you had any claims made against you (whether insured or not)? *yesno

yesnoHave you had any incident or accident occur which would have been covered by the proposed insurance policy? *

Have you had any insurance declined or cancelled, proposal rejected, renewal refused, claim rejected, special conditions or special excess imposed by an insurer? *yesno

Have you ever been convicted of a criminal offence? *yesno

Market Stall Details

Location of markets where stall / booth is to be situated.

Business Market Location

Suburb/Town

State *

Postcode

Is your booth/stall to be located:

Number of 3m x 2.4m sites you occupy

Estimated Gross Sales / Income (before any expenses for stall, stock etc deducted per annum) *

Please provide full description of goods sold or displayed: *

Period of Insurance

Cover can only commence once full payment and completed application have been received and approved. *

Are any products IMPORTED by you / your business? *yesno

If yes, state

Type of Goods

Country of origin

Approx value

Type of Goods

Country of origin

Approx value

Type of Goods

Country of origin

Approx value

Are any products EXPORTED by you / your business? *yesno

If yes, state

Type of Goods

Country of origin

Approx value

Type of Goods

Country of origin

Approx value

Type of Goods

Country of origin

Approx value

Select your Public and Products Liability Option * -

The insurer will pay:
  • all sums which You become legally liability to pay by way of compensation;
  • all costs awarded against You in respect of Personal Injury or Property Damage happening during the Period of Insurance and caused by an Occurrence within the Territorial Limits in connection with Your Business as an occupier of a stall and/or booth and/or similar space at a market and/or similar gathering where such booth, stall and/or similar space is rented or hired by you.
Contractual Liability:

This policy does not cover liability in respect of Contractual liability: Any obligation assumed by You under any agreement or contract except to the extent that:

  1. the liability would have been implied by law;
  2. the liability arises from a provision in a contract for lease or real or personal property other than a provision which obliges You to effect insurance or provide indemnity in respect of the subject matter of that contract;
  3. the liability is assumed by You under a warranty of fitness or quality as regards to Your Products;
  4. the obligation is assumed under those agreement specified in the Schedule.
Duty of Disclosure

In order to make an informed assessment of the risk and calculate the appropriate premium, your insurer needs information about the risk you are asking it to insure.


For this reason, before you enter into a contract of insurance, you have a duty under the Insurance Contracts Act 1984 to disclose to your insurer every matter that you know, or could reasonably be expected to know, is relevant to the insurer’s decision whether to accept the risk and, if so, on what terms. The duty also applies when you renew, extend, vary or reinstate a contract of insurance.


You do not have to disclose anything that:

  • Reduces the risk to be undertaken by the insurer;
  • Is common knowledge;
  • Your insurer knows, or in the ordinary course of its business, ought to know; or
  • If the insurer has waived your obligation to disclose.

If you do not comply with your duty of disclosure, your insurer may be entitled to reduce its liability in respect of a claim or may cancel your contract of insurance. If the non-disclosure was fraudulent, the insurer may be able to avoid (or cancel) the contract of insurance from its beginning. This would have the effect that you were never insured.

One important matter to be disclosed is the history of losses suffered by the person seeking insurance or any closely associated person or entity. As you are responsible for checking that you have made complete disclosure, we suggest that you keep an up to date record of all such losses and claims.

I have read the Duty of Disclosure above. *