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 ute is parked at home overnight with tools locked inside the canopy. Thieves force the lock, leaving visible damage, and steal your drill set, saw and levels. You lose booked jobs while you replace what's been taken.
WHY IT'S COVERED
Tools of Trade Cover may cover theft after forced entry to a securely locked vehicle or building, but not theft from the open air.
Tool Theft
SCEANRIO
You leave a toolbox and ladder near the entry while repairing a door and patching a wall. A visitor trips, hurts their wrist, and needs treatment plus time off work. They send you a demand for medical costs, lost wages and legal expenses.
WHY IT'S COVERED
Handyman Public Liability insurance may cover compensation and reasonable legal costs for accidental injury to others caused by your work.
Injury to Others
SCEANRIO
On the way to a job, a length of timber slides out of your ute and hits the car behind you, denting their bonnet and cracking a headlight. The other driver claims against you for the repairs.
WHY IT'S COVERED
Third party property damage cover may cover what you become legally liable to pay for damage to someone else's property caused by a motor vehicle accident, including damage caused by goods falling from your vehicle.
Damages to Someone Else's Car
SCEANRIO
While mounting a TV bracket, you drill into a hidden water pipe. Water runs under the flooring and ruins a section of skirting and cabinetry. The client asks you to pay for repairs and makes a claim against your business.
WHY IT'S COVERED
Public Liability in handyman insurance may cover compensation and reasonable legal costs for accidental third party property damage.
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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