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
Your securely locked ute is parked at home overnight with tools in a locked canopy. Thieves force the lock, leaving visible damage, and steal your power tools. You report it and need replacements to keep the job moving.
WHY IT'S COVERED
Tools of Trade cover may help for theft from a securely locked vehicle after forcible entry with damage shown. No open air cover.
Tool Theft
SCEANRIO
A client asks you to store boxed appliances at your workshop before install. Overnight, a burst pipe leaks and ruins them while they’re in your care. The client seeks the replacement cost and holds your business responsible.
WHY IT'S COVERED
The policy may cover damage to property not owned by you but under your physical or legal control.
Property in Your Care
SCEANRIO
During a site visit, a supplier trips over an extension lead on your build site and breaks their wrist. They need treatment and time off work, then claim compensation and legal costs from you as the general contractor.
WHY IT'S COVERED
Public and Products Liability may help if someone is injured due to an accidental occurrence, plus reasonable defence costs.
Injury to Others
SCEANRIO
You’re supervising a bathroom reno and a subcontractor drills into a concealed pipe. Water floods the hallway and damages timber flooring. The owner asks you to pay for repairs and makes a claim against your business.
WHY IT'S COVERED
Public Liability insurance may help if you’re held legally liable for accidental damage to third party property from your business 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.
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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