Further Important Notes
Some societies pay, or may be considering paying, for "Public Liability cover" through the operators (e.g. local authority, school, church or community) of the venues where they meet.
Affiliiates are recommended to check the terms of that arrangement very carefully and establish exactly what risks are covered. Although you will probably be well protected from accidents happening as a result of problems with "the fabric" of the venue e.g. roofs, walls, electrics, plumbing, chairs, etc., for which the owner will be responsible, there may be circumstances in which an Affiliate itself may be still be called upon to reimburse the owner's insurance company if the Society itself has been found to be negligent in any way. If there is any doubt, it is recommended that you seek a full disclaimer from the operator.
It will be noted that on both schemes, the policy requires that the "insured" takes reasonable precautions to minimise losses and avoid risks that might give rise to legal responsibility for injury to persons and damage to property.
Most affiliates meet for a couple of hours per week/fortnight/month and use equipment that generally operates at modest levels of voltage, and furthermore is usually in constant attendance for that duration.
are no specific edicts as to what "reasonable precautions" should
be but it has been determined in discussion with our broker that minimum
precautions should be as follows.
is not necessary in order to secure the effectiveness of the insurance
policy for the equipment itself to be inspected and thus there is no need
eg to take the case off an amplifier and check inside.
of a residual current device (RCD)(such as those used to protect ourselves
from rampant lawnmowers) might represent an additional precaution to protect
against voltage interruptions or surges that lead to general electronic
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