Public and Product Liability Insurance
A scheme for woodworkers and other craft workers
The Victorian Woodworkers Association Inc. has negotiated a group insurance scheme to provide Public Liability and Product Liability cover for  
 
 
  • Professional woodworkers who sell their works
  • Other professional craftworkers who sell their products, including those who sell at craft markets
  • Non-professionals who may sell their work on a regular or occasional basis
  • Those who teach their craft to groups of 10 or less
  • Those who demonstrate their craft or exhibit to the general public for a fee
  • Those who design and make their product, provided that no separate design fee is charged

It should be noted that this scheme does NOT cover Personal Injury to the member, or Professional Indemnity Insurance.

It is also NOT intended for

  • Distributors selling a non craft product produced by third parties.
  • Manufacturing businesses or trades persons
  • Enterprises with more than three people working in them
  • Sellers of food products or fresh produce
  • Makers of sit-on or climb-on toys.
  • Use or sale of cosmetics, skin care products or the like, and body painting.
  • Sale of imported or wholesale products
  • Sale of any other products not craft related
  • Installation of products when this involves alteration of, or mechanical fastening to, existing structures**.

Full Membership Category:

The VWA category of “Full Membership” provides this important insurance service to members as an additional and inclusive benefit. The Policy covers the registered member plus 2 persons involved in their activity.
Option A - Full Membership Subscription for the period: 1 September 2006 to 1 September 2007 (or part thereof up to six months) is $160.00. Limit of Indemnity: Public Liability $10,000,000 - Product Liability $10,000,000 - Tenants Liability $10,000,000 - Property in physical & legal control $20,000 - Excess $1,000
Option B - Full Membership Subscription for the period: 1 September 2006 to 1 September 2007 (or part thereof up to six months) is $180.00. Limit of Indemnity: Public Liability $20,000,000 - Product Liability $20,000,000 - Tenants Liability $20,000,000 - Property in physical & legal control $20,000 - Excess $1,000
Note: Pro Rata rates are available from May of each year to September of the following year; that is, for example, May 07 to September 08 - Option A $250 and Option B $270

Extent of Cover: World wide, excluding the USA and Canada - Underwriters: QBE Insurance (Australia) Limited – ABN 78 003 191

**
Installation Liability Option:

A number of our professional members require a more extensive cover with regard to permanent fixture and installation of their work. We estimate that approx 10% of our members need protection for this activity. This will be of particular benefit to makers involved in kitchen interior fit-out work or physical attachment and or modification of or to existing structure. An extension to the current policy to cover this activity has been negotiated with our broker for an additional $150.00 p.a. The VWA will pass on this extension of the current scheme to our members at cost.

This policy includes liability for any installation work, such as placing plugs in walls, fixing and attaching makers work to existing structures, and also includes cabinets and fitouts (provided that the particular Member is licenced to carry out such work and there is no breach of th building codes of the relevant State or Territory)

This policy does not cover members for any incidents giving rise to a claim, if Contractors and/or Sub-Contractors have been employed to perform the installation work

Additional Insurances now available for Members:

  1. Home & Workshop: This is a House and Contents insurance package with a special extension to cover
    i) Your Home Workshop, equipment and contents
    ii) Products temporarily removed to any Gallery or Craft Shop
    iii) Products in transit in a vehicle driven by you
  2. Personal Accident and Illness Insurance
  3. Commercial Studio or Workshop Business Pacckage: To cover those Members who operate abusiness away from their residence

For Full Membership and Insurance application forms contact:

Meg Allan
Membership Secretary,
Victorian Woodworkers Association Inc.
2650 Mansfield – Whitfield Rd, TOLMIE VIC 3723
Tel: (03) 5776 2178 Fax: (03) 5776 2185
Email:

For Insurance Information and Advice contact:

City Rural Insurance Brokers Pty. Ltd.
229 Hutt Street, Adelaide SA 5000
Ph: Ph: (08) 8100 0800 Fax (08) 8100 0899
Email: info@crib.com.au