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.
Rear End Traffic
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
In stop start traffic to a regular client, you tap the car in front and crack their bumper. The driver requests your details and later claims for repairs and hire costs, saying you are at fault.
WHY IT'S COVERED
Third party property damage may cover what you legally owe for damage caused by an accident involving your vehicle.
Rear End Traffic
SCEANRIO
A client asks you to move their laptop bag onto a side table while cleaning. Your vacuum cord catches the table, the bag falls, and a tablet inside cracks. The client asks you to cover repair and replacement costs.
WHY IT'S COVERED
Legal Liability can extend to property not owned by you but in your physical or legal control, subject to limits.
Property in Your Care
SCEANRIO
You mop a shared apartment entry near the lifts and the floor remains slippery. A courier misses the warning sign, slips, injures their wrist and takes time off work. They allege poor signage and seek compensation.
WHY IT'S COVERED
Public liability insurance for cleaners may respond to personal injury claims arising from an Occurrence linked to your work.
Public Injury
SCEANRIO
During a bond clean, your spray bottle leaks degreaser onto a polished timber floor. It strips the finish along the hallway, and the agent invoices you for sanding, resealing and lost rent while repairs are completed.
WHY IT'S COVERED
Legal Liability (public liability insurance for cleaners) may cover third-party property damage caused by your cleaning 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.
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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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