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.
Kitchen Fire Damage
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
Whilst cooking food, the cooktop has ignited causing fire damage to the kitchen. The restaurant had to close for cleaning and repairs before reopening.
WHY IT'S COVERED
Business Pack Insurance may cover fire damage to the property and equipment.
Kitchen Fire Damage
SCEANRIO
While delivering meals during the dinner rush, a staff member accidently spilled a hot dish onto a customer’s handbag and clothing. The items were damaged, and the customer requested the restaurant cover the replacement costs.
WHY IT'S COVERED
Public liability can cover accidental property damage caused during normal business operations.
Property Damage During Service
SCEANRIO
A customer with a stated nut allergy ordered a dessert, but due to a miscommunication between kitchen staff, it was prepared using a nut based topping. The customer experienced a reaction shortly after eating and lodged a complaint with the venue.
WHY IT'S COVERED
Products liability covers claims relating to accidental food preparation errors that cause illness.
Allergic Reaction Incident
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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