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.
Tool Theft
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 carpenter's ute is parked at home overnight with tools locked inside the canopy. Thieves force entry into the vehicle and steal power tools and equipment, disrupting upcoming jobs and causing significant replacement costs.
WHY IT'S COVERED
Tools of Trade cover can apply to theft from a securely locked vehicle or building when there is evidence of forcible entry.
Tool Theft
SCEANRIO
A carpenter agrees to store a client's doors and fittings off-site while renovation work is completed. Overnight, a burst pipe in the storage area causes water damage to the stored items, requiring repair and replacement of some materials.
WHY IT'S COVERED
Cover can apply to damage to property not owned by you but under your physical or legal control.
Property in Your Care
SCEANRIO
A carpenter is working on site when a power tool is knocked from a bench and falls into a shared access area. A visitor walking past is struck and suffers an injury that requires medical treatment, later making a claim for related expenses.
WHY IT'S COVERED
Public Liability can cover compensation you're legally liable to pay for third-party bodily injury caused by an occurrence connected with your work.
Public Injury
SCEANRIO
While installing custom shelving, a carpenter drills into a concealed water pipe behind the wall. Water leaks into the room, damaging flooring, cabinetry and nearby fittings. The client requests repairs and makes a claim for the resulting damage and costs.
WHY IT'S COVERED
Public Liability can cover compensation you're legally liable to pay for third-party property damage caused by your carpentry work.
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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