00:03It's trivia night at this little Melbourne nightclub, and Holly Pop is running the show.
00:13Who's been to trivia before? Yes, we know that the first ones are a bit hard.
00:18But the venue's owner is not sharing in the fun.
00:20We're very lucky our landlord hasn't decided for us in the last two years to kick us out.
00:25We're very, very lucky.
00:26For the past two years, Pride of Our Footscray has operated without public liability insurance.
00:31The last time Matt O'Keefe tried to get cover, 18 insurers refused him.
00:36Only one offered a quote of $143,000, up from just $6,000 four years prior.
00:43If we're uninsurable, or only insurable for a king's ransom, that's the end of the business.
00:48If someone fell down the stairs and required six months off work because we didn't mop a floor properly,
00:53we would be bankrupted overnight.
00:56Insurance experts say the cost of coverage has exploded since the COVID era,
01:00as the industry dealt with more claims and bigger payouts.
01:04It's across all of Australia, every small to medium-sized venue.
01:07Post-COVID, if they're paying between five to ten times more than they used to.
01:15A federal parliamentary inquiry is examining small business insurance issues,
01:19with some submissions calling for more government support,
01:22and limits to how long after an injury a claim can be made.
01:26This nightclub was set up in 2018, so it hasn't been here for long.
01:30But it's become well known for being welcoming and safe.
01:33And that's something many of the regulars here say is worth protecting.
01:37Pride of our Footscray is such an institute in the West,
01:39being one of the only gay venues in the Western suburbs,
01:43so it is very important for the queer community.
01:47Drag is my full-time job, so without places like this,
01:51I lose my income, lose my spaces to perform.
01:53Pride of our Footscray,
01:54and I absorb the two multivindical powercasters in 2022,auc
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