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 van is forced open overnight outside a job site. A thief steals your drain camera and power tools from the locked cargo area, leaving visible damage to the doors. You're left replacing gear to keep jobs moving.
WHY IT'S COVERED
Tools of Trade can cover theft from a securely locked vehicle when there is evidence of forcible entry and damage to the vehicle.
Tool Theft
SCEANRIO
On a call-out, you run hoses across a driveway and leave a wet patch near the front step. A visitor slips, sprains their wrist and needs treatment. They claim for medical costs and lost wages from time off work.
WHY IT'S COVERED
Public and Products Liability for Plumbers can cover third party injury claims from an occurrence.
Injury to Others
SCEANRIO
Heading to a call out, you sideswipe a parked car in a narrow laneway. The other driver gets quotes for repairs and demands you pay. They lodge a claim saying your vehicle caused the damage.
WHY IT'S COVERED
Third party property damage may cover what you're legally liable to pay for damage caused by a motor accident.
Laneway Sideswipe
SCEANRIO
While replacing a hot water unit, you drill through a wall and hit a hidden pipe. Water floods the laundry, warps skirting boards and damages cabinetry. The homeowner invoices you for repairs and replacement of fittings.
WHY IT'S COVERED
Plumber insurance can cover third party property damage caused by an occurrence from your plumbing work and 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.
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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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