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.
Fire After Installation
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
An electrician installs new wiring in a residential property. Weeks later, an electrical fault causes a fire, damaging the home and neighbouring property. The homeowner alleges the installation caused the fire.
WHY IT'S COVERED
Public and products liability insurance may respond to third party property damage claims arising from electrical work, subject to policy terms.
Fire After Installation
SCEANRIO
In heavy rain, you slide through a roundabout and collide with another car. Their bumper and headlights are damaged and they claim repairs. They lodge a claim and say your vehicle caused the accident.
WHY IT'S COVERED
Third party property damage may cover compensation you're legally liable to pay after a motor accident involving your vehicle.
Wet Roundabout Hit
SCEANRIO
During an upgrade, an electrician accidentally damages a client's electrical appliance. The client seeks reimbursement for repair or replacement costs.
WHY IT'S COVERED
Electrician insurance may respond to third party property damage claims caused by accidental acts during electrical work.
Damage to Appliances
SCEANRIO
A client trips over electrical cables left unsecured during work and suffers an injury. They claim the electrician failed to manage site safety.
WHY IT'S COVERED
Insurance for electrical contractors can respond to claims alleging injury to third parties during insured business activities.
Injury on Client Premises
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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