A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
Property in Your Care
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCEANRIO
A client leaves a portable aircon, remote and controller with you for testing after it stops cooling. Overnight in your workshop it is knocked off a bench and the casing and screen crack. The client asks you to replace the items and pay delivery.
WHY IT'S COVERED
Legal Liability includes cover for damage to property not owned by you but under your physical or legal control, up to policy limits.
Property in Your Care
SCEANRIO
At a shopping centre install, your ladder and ducting are set up in a corridor while you run cabling. A passerby trips, sprains an ankle and claims medical bills and lost income, saying the area was not clearly cordoned off.
WHY IT'S COVERED
Legal Liability can cover compensation for personal injury from an accidental occurrence connected with your work, plus legal costs.
Public Injury
SCEANRIO
After a late call out, you park your locked van at home with gauges, copper benders and power tools inside. Overnight thieves force the rear door and steal the kit. You need replacements fast so you can keep servicing clients the next day.
WHY IT'S COVERED
Tools of Trade Cover can pay for theft from a securely locked vehicle or building when there is evidence of forcible entry.
Tool Theft
SCEANRIO
While installing a split system, you drill to mount brackets and hit a hidden water pipe inside the wall. Water damages plaster, cabinetry and floorboards. The homeowner and their insurer demand you pay for drying, repairs and replacement materials.
WHY IT'S COVERED
Legal Liability can cover third party property damage from an accidental occurrence connected with your business activities.
Client Property Damage
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
Benefits
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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.
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