Insurance cover

Our most recent insurance policy has the following:

The definition of Insured (ie SCANZ Inc) , inludes individual Elected Club Members or Elected Volunteers working for, on behalf of, and under the supervision and control of the Insured named in the Schedule.

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Conditions	Any event that is likely to attract over 500 spectators or has an estimated turnover greater than $5,000 or includes any animals, or Art Exhibitions. Does this mean A&S displays? must be referred and no automatic cover given.	We need to contact the insurer before approving the event.
Statutory liability	Limit $500,000 Defence costs are in addition to the Limit of Indemnity for damages/compensation for Personal Injury. Excess $500 Health & Safety at Work Act 2015 $1,000
Advertising liability		Limit $1,000,000 Excess $1,000
Care Custody or Control	Covers legal liability for damage to property you hold under your care custody or control	Limit $500,000 Excess $1,000
Drones		Limit $1,000,000 Excess $1,000
Goods Lifted or Carried by Cranes		Limit $250,000 Excess $2,500
Product Withdrawal Costs		Limit $100,000 Excess $2,500
Punitive or Exemplary Damages		Limit $1,000,000 Excess $500
Service / Repair - Vehicle and Watercraft	An extension providing cover for damage to property worked upon and arising from the work itself	Limit $500,000 Excess $1,000
Service / Repair - Machinery	An extension providing cover for damage to property worked upon and arising from the work itself	Limit $250,000 Excess $2,500
Underground Services		Limit: Policy Limit Excess $2,500
Vibration and Removal of Support		Limit $500,000 Excess $5,000