Sportscover Australia Pty Ltd AFS Licence No ACN: ABN: Sportscover Syndicate 3334 at Lloyds Underwriters

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1 Type of Cover: Insurer: Underwritten by: Policy Form/Ref.: Policy Number: S U M M A R Y General Liability Insurance Policy Sportscover Australia Pty Ltd AFS Licence No ACN: ABN: Sportscover Syndicate 3334 at Lloyds Underwriters Sportscover Australia Pty Ltd Active Underwriting Specialists General Liability for Amateur Sports PMEL99/ Period of Insurance: From: 4.00pm 1 ST January 2015 To: 4.00pm 31 ST December 2015 The Insured: Surfing Australia Limited, World Surf League, Mysurf.tv. Licenced State Branches, Licenced Holders, Member Surf Schools, Accredited Coaches, Affiliated Clubs, Committees, Registered Members (Including Professional), Voluntary Workers, Contract Coaches, Contract Judges, Contract Lifeguards and declared Event Contractors. Situation: 1. Suite 215 and Suite 215a The Strand Marine Parade COOLANGATTA QLD Mainwarning Precinct 1 Barclay Drive CASUARINA NSW 2487 Business: Note to Business: The running of administration offices, clubs and social activities, competitive events, training and coaching, Gymnasium and Accommodation at High Performance Centre, Filming, Publisher and Broadcaster of surf and other media contents including websites and television, hiring, tour operators and associated activities involving surfing and surf schools and property owners, and any other occupation incidental thereto. Surfing means Competition, Training, Social Surfing, Stand Up Paddle Boarding and Body Boarding and all other Surfing related activities. 1

2 SECTION ONE PUBLIC LIABILITY INSURING AGREEMENTS 1. Indemnify the Insured s legal liability to pay Compensation for Personal Injury or Property Damage that happens during the period of Insurance arising from an Occurrence in connection with The Business within the Territorial Scope up to a maximum of the respective limits of indemnity for General Liability and Products Hazard as stated in the schedule. The total aggregate liability for Products Hazard during any one period of insurance will not exceed the limit of indemnity. 2. Indemnify the Insured for the legal advisors fees and court costs involved in defending any claims against the Insured to the extent that such claims fall within the terms and indemnity limits provided for in (1) above. The Company shall have the right but not the obligation to appoint legal representatives and conduct the defence of any such claim, investigation, negotiation and settlement thereof as it considers expedient. 3. Reimburse the Insured for all reasonable expenses, other than wages, loss of earnings or profits, incurred with the consent of the Company in connection with (2) above. Indemnity or reimbursement provided in Insuring Agreements (2) and (3) shall be payable in addition to the applicable limits of indemnity stated in the schedule. Sum Insured Limit of Indemnity any one occurrence for the conduct of the Sport/ activities detailed above $20,000,000 Excess $1,000 2

3 SECTION TWO PROFESSIONAL INDEMNITY OPERATIVE CLAUSE In consideration of the payment of the premium by the Insured the underwriter named in the schedule (hereinafter called the Company ) will indemnify the Insured against any claim or claims (including all legal costs and expenses for which the Insured shall become legally liable to the claimant) up to but not exceeding in the aggregate for all claims under this policy, the limit of indemnity specified in the schedule arising from breach of professional duty whether such duty is owed in contract or otherwise in respect of the Insured s legal liability arising from negligent acts, errors or omissions whenever or wherever committed or alleged to have been committed in connection with The Sport, provided that the Claim or Claims are: (i) (ii) (iii) Made against the Insured during the period of insurance specified in the schedule and, Immediately notified in writing to the Company by the Insured during the period of Insurance, Arising out of any act, error or omission which occurred subsequent to the Retroactive Date. Sum Insured Limit of Indemnity any one claim for the conduct of the Sport/ activities detailed above $5,000,000 $5,000,000 Aggregate Limit any one Period of Insurance Excess $ Nil for Personal Injury $1,000 (Costs Inclusive) all other claims Retroactive Date: 31 ST December

4 In relation to wearing approved protective helmets whilst skateboarding, this requirement does not apply for general skateboarding activities conducted at the high performance centre. If any tricks or similar type activities are conducted it will be a condition that the participants wear protective gear. Approved Additional Activities: Beach Cricket Beach Volleyball Beach Touch Football Beach Soccer Beach Walking Beach Frizbees Bike Riding but only where participants wear approved helmets Bodyboarding Bushwalking Fishing Flatwater Kayaking Only, All other Kayaking (including but not limited to Whitewater, Surf and Sea) but only where participants wear approved protective helmets Learn to Swim Associated with Surfing Snorkelling Standup Paddle Surfing Skateboarding but only where participants wear approved protective helmets Yoga Winery tours Prone Paddle Boarding ENDORSEMENTS NEWS MEDIA AND MULTIMEDIA LIABILITY This Policy does not apply to any liability directly or indirectly arising out of: (i) (ii) (iii) Libel, slander or any other form of defamation (whether of person or products); Infringement or misappropriation of copyright, trade mark, service mark, design right, trade secret, patent; know-how or any other intellectual property; Intrusion upon, interference with or infringement of right to publicity, right to privacy, family life, a person s home or correspondence (including the torts of intrusion upon seclusion, false light and misappropriation of name or likeness and including breach of data protection legislation); 4

5 (iv) (v) Harassment, trespass, false arrest, wrongful detention or imprisonment, wrongful entry or eviction, eavesdropping or invasion of private occupancy; or Negligence in what is included in or omitted from Matter, including, but not limited to harm to any person who acts or fails to act in reliance upon Matter. Matter means the content of any communication of any kind whatsoever, regardless of the nature or form of such content or the medium by which such content is communicated. INFORMATION TECHNOLOGY HAZARDS, COMPUTER DATA, PROGRAM AND STORAGE MEDIA This Policy does not apply to any liability directly or indirectly arising out of; (a) (b) (i) Personal Injury or Property Damage arising, directly or indirectly, out of, or in any way involving Internet Operations of The Insured, or Property Damage to computer data or programs and their storage media arising directly or indirectly out of or caused by, through or in connection with: The use of any computer hardware or software; (ii) (iii) The provision of computer or telecommunications services by The Insured or on behalf of The Insured; The use of computer hardware or software belonging to any third party, whether authorised or unauthorised including damage caused by computer virus But this exclusion does not apply to liability which arises irrespective of the involvement of Internet Operations of The Insured, and Nothing in this exclusion will be construed to extend coverage under this Policy to any liability which would not have been covered in the absence of this exclusion. 5

6 INTERNET OPERATIONS means (a) (b) (c) (d) Transfer of computer data or programs by use of electronic mail systems by The Insured or their Employees, including part-time and temporary staff, contractors and others within Your organisation whether or not such data or programs contain any malicious or damaging code, including but not limited to computer virus, work, logic bomb, or Trojan horse; Access through the Insured s network to the world wide web or a public internet site by Employees to The Insured, including part-time and temporary staff, contractors and others within The Insured s organisation; Access to the Insured s intranet (meaning internal company information and computing resources) which is made available through the world wide web for customers of The Insured or others outside The Insured s organisation, and; The operation and maintenance of The Insured s website. In all other respects the Policy remains unaltered. 6

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