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.
Garage Door Bump
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
You reverse into a client's garage door while parking for a hot water job. The door bends and the motor housing is damaged. The client asks you to cover repairs and makes a claim against your business.
WHY IT'S COVERED
Third party property damage may cover compensation you're legally liable to pay from a motor vehicle accident.
Garage Door Bump
SCEANRIO
Overnight, thieves force the lock on your securely locked van and steal a jetter, press tool and drain camera. You lodge a police report and supply receipts, but still need fast replacements to keep jobs moving.
WHY IT'S COVERED
Tools of Trade can cover theft from a securely locked van or site box in Victoria when there is evidence of forced entry, up to limits.
Tool Theft
SCEANRIO
While replacing a hot water unit, you drill into a concealed pipe and flood the client's laundry. Water soaks plaster, cabinetry and flooring, and the owner requests repairs plus replacement of damaged household items.
WHY IT'S COVERED
Public Liability may cover for third party property damage caused by your plumbing work at a Victoria job site, within policy limits.
Client Property Damage
SCEANRIO
On a Melbourne call out, your wet work area isn't seen and a visitor slips on pooled water near the bathroom, suffering a wrist fracture. They later claim medical bills, rehab costs and lost wages against your business.
WHY IT'S COVERED
Public Liability responds to liability for third party injury linked to your plumbing work, which plumbers liability insurance Victoria is built for.
Injury to Others
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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