Playgroup WA (Inc) negotiates on behalf of playgroups and their families, to obtain reasonably priced insurance for you, your child and your playgroup’s toys and equipment. The following are some general questions that are often asked. Any incidents which result in injury must be reported to the Playgroup WA head office to be handled by the insurer.
When am I, and the families attending our playgroup, covered by Playgroup WA’s insurance?
Playgroup WA has a General Liability insurance policy in place which provides cover for third party personal injury and/or property damage that you are legally liable for in connection with Playgroup’s activities. This includes playgroup related travel. There is a voluntary workers policy in place covering accident insurance when participating in activities or duties as a voluntary worker on behalf of your Playgroup including playgroup related travel. A voluntary worker is split into 2 categories. Category 1 is defined as ‘All voluntary workers and registered paying members (including paid carers, grandparents, friends of registered paying members) and trial members of Playgroup.”. Category 2 is defined as ‘All dependent children of registered paying members and trial members of Playgroup’.
Are visitors covered?
The legal liability of a Playgroup towards bona fide visitors as third parties is covered. This does not mean that families can continue coming to playgroup indefinitely without taking out membership and insurance. Prospective members are provided two free trials and must then take out membership with Playgroup WA to ensure that they are covered by our insurance.
Our Playgroup meets through the school holidays and public holidays, and some people bring their school age children with them. Are they covered by insurance?
Playgroup WA’s policy is that playgroup is for 0-5year old’s. It is important to realise that the risks of accident and injury increase with a greater age range of children and greater number of children. Your playgroup will need to decide if it will allow older children to attend on an occasional basis and what measures will be taken to ensure the safety of all playgroup participants (ie: separate playing area, toys, supervised activities etc.). Playgroups should also NOT introduce higher risk activities to occupy older children. Voluntary Workers cover extends to cover all dependent children of registered paying members and trial members of Playgroup.
Are we covered for working bees, extra playgroup sessions, fund raising, events or displays?
Yes, as long as it is a recognized normal playgroup activity that all participants can attend and all proceeds / fund raising income is for the Playgroup. If any member is earning personal income, they are deemed a contractor and must have their own insurance.
What happens when an accident occurs at Playgroup?
If an accident does occur, please notify one of your Committee members and/or the Committee President. They will then complete an incident form and notify Playgroup WA's Head Office immediatly.
