Insurances

Balls Of Steel is A program on channel 4 where Mark Dolan (presenter) gets a team of fearless comedians and performers to do all sorts of  risky acts in public places, then  they show to the audience who vote for which act deserves the balls of steels this week.  A show like this would strongly
be advised to have public liability insurance. It's there for their legal protection against anyone who feels hurt or offended by the actions of the contestants, and plans on legal action against the program.

As an Example one of the performers/ comedians would have  to take out public liability insurance if their shows involved the audience as in 'magic tricks' and other things they specialize in as in one comedian dubbed the Militant Black Guy would have this as his jokes are racist and offensive. Which would cause some people physically react to as some people do not know they'll be part of this reality show. Other problems are that the young audience may try to copy the things they say or the things they do, public liability insurance would cover the militant black guy from this happening.There is also negs urban sports who is very physical to people withy his games which involve throwing things at people, this would usually cause bigger violent reactions than militant black guy , in this article i will be seeing this copy of public liability insurance would cover.


This is A actual copy of a public liability insurance write up , what is done and what they do for you.

What is public liability insurance?

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Public and products liability  

Policy wording  

 The General terms and conditions and the following terms and conditions all apply to this 

section. 

Special definitions 

for this section 

Bodily injury Death, or any bodily or mental injury or disease of any person. 

Defence costs Costs incurred with our prior written agreement to investigate, settle or defend a claim against 

you. 

Denial of access Nuisance, trespass or interference with any easement or right of air, light, water or way. 

Inefficacy The failure of any of your products or any service, process or system provided or managed by 

you to perform the function or serve the purpose for which it was intended. 

Personal injury False arrest, detention or imprisonment; malicious prosecution; wrongful entry into, or eviction 

of a person from, a room, dwelling or premises that they occupy; invasion of any rights of 

privacy. 

Pollution Any pollution or contamination, including noise, electromagnetic fields, radiation and radio 

waves. 

Products Any goods sold, supplied, distributed, manufactured, constructed, erected, installed, altered, 

tested, serviced, maintained, repaired, cleaned or treated by you. 

Property damage Physical loss of or damage to or destruction of tangible property including the resulting loss of 

use of such property. 

Tool of trade Mobile plant or equipment being used where insurance or security is not required under the 

provisions of any road traffic legislation. 

You / your Also includes any person who was, is or during the period of insurance becomes your partner 

or director or senior manager in actual control of your operations. 

What is covered  

Claims against you If, as a result of your business, any party brings a claim against you for: 

 a. bodily injury or property damage occurring during the period of insurance; 

 b. personal injury or denial of access committed during the period of insurance, 

 we will indemnify you against the sums you have to pay as compensation. 

This includes a claim against any employee or volunteer worker of yours when they are acting 

on your behalf in whatever capacity. 

We will also pay defence costs but we will not pay costs for any part of a claim not covered by 

this section.  

Overseas personal liability We will indemnify you and if you so request, any of your directors, partners or any employee or 

spouse of such person against legal liability as a result of bodily injury, property damage or 

personal injury incurred in a personal capacity whilst temporarily outside the United Kingdom of 

Great Britain and Northern Ireland, the Channel Islands or the Isle of Man other than  

 a. where indemnity arises out of the ownership or occupation of land or buildings; 

 b. where indemnity is provided by any other insurance. 

Claims against principals If, as a result of your business, any party brings a claim, which falls within the scope of What 

is covered, Claims against you, against a customer of your business for whom you are 

providing services under contract or agreement and you are liable for that claim, we will treat 

such claim as if made against you and make the same payment to such customer that we would 

have made to you, provided that the party to be indemnified: 

_ ________________________________________________________________________________________________________________________________

Public and products liability insurance  

Summary of cover 

What is a summary of cover? 

It gives you an idea of what a Hiscox insurance policy has to offer, and the main facts about the cover, without going into all the 

terms and conditions. This one outlines how public and products liability insurance can protect your business. If you need more 

information, consult the policy wording or contact our customer services team. 

Product name:

Type of insurance: Public and products liability 

Underwritten by: 

Public and products cover in a nutshell 

Public Liability insurance covers you when you have to pay compensation because a client, contractor or member of the public 

claims over accidental injury or property damage. This may be something that happened at your workplace (e.g. a client slipping 

on a wet surface) or perhaps something an employee did while out and about, such as spilling coffee over a client’s computer. 

The limit of indemnity you select will be on an any one claim basis. This means that each individual claim for compensation has 

its own limit of indemnity. The exception to this is when a claim is made for products liability. For these claims your limit of 

indemnity will provide cover for the total of all claims in the policy period. We will also pay up to £100,000 for legal fees paid out 

in defending a claim. 

Key benefits: what risks are you protected against? 

Cover includes: 

• claims caused by goods which your company either sold, manufactured, repaired, installed, erected, altered, cleaned or 

treated and - through negligence - caused injury or damage 

• obstruction, trespass, nuisance, interference, wrongful arrest and eviction of a third party 

• legal costs and expenses for defending you against prosecution under any health and safety legislation.  

The small print: significant or unusual exclusions and limitations 

• You will normally have to pay an initial amount for each claim (the excess). These excesses may vary by your choice and of 

cover or our underwriters’ assessment. Your schedule of insurance will show the specific excesses applicable to your 

policy. 

• Injury to your own employees or your property is not covered. 

• We won’t pay claims which arise because your contractual terms go beyond the duty of care you owe at common law. 

• Any claims, circumstances which could give rise to a claim in future or shortcomings in your work which you knew about or 

ought reasonably to have known about before the policy started are not covered. 

• We won’t pay any claims caused by your transmission of a computer virus. 

• Cover is restricted to business activities carried out in the EU, unless otherwise agreed by us. 

• We won’t pay any claims involving asbestos. 

• Claims caused by war, terrorism or nuclear risks are not covered. 

• Claims or losses arising out of professional advice you give are not covered. 

Your side of the bargain 

Remember, your premium and insurance cover will be based specifically on the details you provide to us. So the information 

you give us will form a record of your unique combination of demands, needs and circumstances.  

Please make sure the information you send us is complete and accurate, and inform us immediately of any changes in 

circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important 

before taking out a policy, but it also applies throughout the life of a policy. 

• If you fail to disclose any information material to the insurance you could invalidate the policy and claims may not be paid. 

• You should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that 

apply. 

• Please be aware of all terms and conditions of your policy as failure to comply with them could invalidate it. 

• In the event of a claim, you should take note of the required procedures, such as prompt notice to us of the claims, as 

stated in the policy documentation. 

• As with any insurance, you have an obligation to take reasonable steps to mitigate any loss. 

This example is good as this would cover Neg's Urban Sports with his violent games and actions against the public, as it covers about any bodily harm and Negs usually ends up with pshyical contact against the audience , like throwing burgers in pubs , or stealing the ball from rugby games. However This one wouldn't cover Militan Black Guy becasue the Militant Black Guy isn't Violent In a psychical way towards anyone . Militant black guy would have to speak to his lawyers about a much better cover which will cover his verbal assault on his race which is Black.