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.
Client Property Damage
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
While pre-spraying a lounge room carpet, your hose connector pops off and water runs under a timber skirting, lifting the boards. The homeowner invoices you for repairs and replacement materials after the floor warps.
WHY IT'S COVERED
Carpet cleaner insurance under Legal Liability can cover accidental Third Party Property Damage from an Occurrence in your on-site work.
Client Property Damage
SCEANRIO
After you finish a deep clean, you place a warning sign but a client's visitor steps onto the damp carpet, slips and sprains their wrist. They claim medical costs and loss of income, and name your business in the demand.
WHY IT'S COVERED
Public liability insurance for cleaner work can respond to Personal Injury claims from an accidental Occurrence at a client site.
Public Injury
SCEANRIO
A customer drops off an heirloom rug for cleaning and you store it overnight in your workshop. A burst pipe floods the storage area and the rug is water-damaged. The customer seeks the cost to repair or replace it.
WHY IT'S COVERED
Insurance for carpet cleaner businesses may cover customer property damaged while in your care, custody or control (not owned by you).
Property in Your Care
SCEANRIO
You reverse the van into a client's garage door while parking for a lounge clean. The door buckles and the frame cracks. The client invoices you for repairs and makes a claim against your business.
WHY IT'S COVERED
Third party property damage may cover what you're legally liable to pay for damage caused by a motor accident.
Driveway Bump
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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Am I covered if I accidentally damage a client's property while working?
Public Liability insurance may cover accidental damage to third-party property, including your client's property, arising from your business activities. Cover is subject to policy limits and exclusions.
Am I covered if I accidentally damage a client's property while working?
Public Liability insurance may cover accidental damage to third-party property, including your client's property, arising from your business activities. Cover is subject to policy limits and exclusions.
Do barbers need public liability insurance in Australia?
Public liability insurance is commonly held by barbers in Australia. While not always legally required, it may be expected by landlords, shopping centres, or event organisers.
Do barbers need public liability insurance in Australia?
Public liability insurance is commonly held by barbers in Australia. While not always legally required, it may be expected by landlords, shopping centres, or event organisers.
Are my tools covered if they're stolen from my vehicle?
If you have tools of trade cover, theft from your vehicle may be covered, subject to policy terms requiring evidence of forced entry to a securely locked vehicle. Tools stolen from unlocked vehicles or left in the open air are not covered.
Are my tools covered if they're stolen from my vehicle?
If you have tools of trade cover, theft from your vehicle may be covered, subject to policy terms requiring evidence of forced entry to a securely locked vehicle. Tools stolen from unlocked vehicles or left in the open air are not covered.
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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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