Correct Tod, same would apply here. I've never actually gone into the fine print but suspect would either be covered by employers liabilty or public liability insurance. You must have both, so if someone is not employed then they would be considered 'general public' although we know what insurance companies are like if they suspect that the person was 'working' which carries an extra 'risk' even if not in 'paid' employment. Of course you can't just put them on the payroll at a noninal £1 per day just to cover that as there are minimum rates that must be adhered to. Does get a little bit tricky when you think about it.

Whereabouts in Oz are you Tod?