public liability... what.?

MAD Ozzie

can anyone please give me some info on public liability ins, and how much, may have some land to leace in cork (west), but first to find out about ins, for airsofters, PLEASE HELP as cork has nowere to play. (safe and fair yet.)
any info would be great...

Arcto

As far as i know (please correct me anyone!) U need public liability and another form (for the actual players). PLI is fairly expensive and covers if someone is on the land who is not playing (eg walking their pet sheep) and takes a bb to the eye. It covers them. The other is then for the players injurys etc etc.

Then again if its private land someone shouldnt be alowed walk their pet sheep on it in the first place so i dont see why youd need PLI but you still do. I think. Something to do with rambling laws.

MAD Ozzie

Land is private. and as best as possible for airsofters only. thinking only one day per week (sat) and to be run non profit, other than to pay for insurance and leace.
same rules and safety as other airsoft places. airsoft costs enuf allready. you will have to sighn your life away to play, so dont do supermans into the trenches. I think thats fair.

Spetzcong

You need public liability for sure, it covers any member of the public who might injure themselves on the property, say somebody dropping someone off at a skirmish slips and falls on a load of bbs or something, that's the sort of thing it covers. The insurance for the players is different, I'm not a legal mind, nor am I even vaguely familiar with legalese, but I think, you can get people to sign a waver and they wave any right to sue you for injuring themselves, don't know if you need insurance in addition to this (apart from the public liability), your best bet might be to PM nonex, maxforce or one of the guys from drogheda (Apologies dunno your handles on boards) and see what they did insurance wise.

Arcto

Does anyone know why you need public liability insurance for private land? I only thought about that yesterday. Shouldnt it be illegal for the public to trespass on this private land in the first place?

Dr_Pepper

Arcto wrote: »

Does anyone know why you need public liability insurance for private land? I only thought about that yesterday. Shouldnt it be illegal for the public to trespass on this private land in the first place?

i believe it is to do with the fact that you are allowing the public onto your land as a commecrial entity.
If however its your back garden then you dont need it.
If you let some ppl in your back garden for a fee then u need it.

Arcto

If you let some ppl in your back garden for a fee then u need it.

You mean all those birthday parties where i charged people entrance; i coulda been sued!!??

Cheers man!

seamus

Arcto wrote: »

Does anyone know why you need public liability insurance for private land? I only thought about that yesterday. Shouldnt it be illegal for the public to trespass on this private land in the first place?

You don't *need* public liability insurance. Anyone who injures themselves on your land, whether they were supposed to be there or not, can sue you for damages.

Getting people to sign a waiver generally isn't sufficient, as all they need to do is show negligence or some other fault on your part and presto bingo.

This is not advice, but a small story about public liability insurance that may give you an indicator as to your risk;

Back in the ninties, there was a guy who owned one a popular number of creches in Dublin. One year, his public liability premium tripled, such that he would have to increase his prices by nearly 30% just to cover it. So he said, "Screw them, I'm not paying" and he didn't. That year, he got a letter from a solicitor about injuries a child had sustained on his premises. He replied to the solicitor saying, "I don't have public liability insurance, but do your worst". And he heard nothing else about it. This happened twice more before he eventually sold the business on. The next person didn't bother with insurance either.

A solicitor will generally not advise a client to pursue a damages case against a business if the business doesn't have insurance. It would work out to be not even close to being worth it in the long run. Of course, a sollicitor will always advise you to get this insurance, but if you're running a limited company, getting sued won't mean that you lose any personal assets.

Puding

Insurance of sites seems to be one of main issues that seems to stop most proposed sites from starting, this is something of an interest for me at the moment. I was fortunate enough to be able to get help from my local enterprise board in Kerry with a feasibility study into the possibility of setting up of an airsoft site between Cork and Limerick.

I'm planning to try and get in contact with IAA, the airsoft sites already in Ireland and a number of paintball sites, to look into what insurance company people are currently using, the ability to go to the same company that a number site are using, would hopefully mean lower cost for all.

Its a pity that we have to scheme like you come across with paintball, a common liability insurance that the sites sign up to and pay into, I even believe that a number of paintball sites across Ireland use this 'common policy' run by the 'uk paintball ?????? ??????' I will post the link when I get home unfortunately I do not have it to hand at work. This scheme also seem to be very popular in the us covering both airsoft and paintball.