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
Tools and equipment are secured inside a locked site container overnight. Thieves force entry and steal power tools and equipment, causing delays to the build and unexpected replacement costs.
WHY IT'S COVERED
Tools of Trade may cover loss of tools and equipment due to theft from locked storage on site, where the theft involves forcible entry, subject to policy terms and conditions.
Tool Theft
SCEANRIO
A construction site is temporarily left unattended when a delivery arrives. A loose temporary barrier shifts, allowing a visitor to enter the site and trip over uneven ground, resulting in an injury and medical expenses.
WHY IT'S COVERED
Public Liability may cover claims if a visitor enters the site and is injured due to site conditions or temporary barriers, and they seek medical expenses or compensation.
Injury to Others
SCEANRIO
During a residential build, a subcontractor accidentally damages an existing retaining wall while operating machinery on site. The wall partially collapses, causing damage to neighbouring property and requiring urgent repairs. The homeowner makes a claim for the repair costs.
WHY IT'S COVERED
Public Liability may cover claims if a retaining wall or neighbouring property is accidentally damaged during construction activities and repair costs are sought.
Client Property Damage
SCEANRIO
A builder agrees to store windows and doors supplied by the client on-site before installation. Overnight, strong winds damage the stored items, requiring replacement before construction can continue.
WHY IT'S COVERED
Public Liability may cover claims if client-supplied items (like windows and doors) are damaged while stored on site under your control and replacement costs are sought.
Property in Your Care
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.
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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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