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
After a day on site, you lock your tools in your ute canopy and set the alarm. Overnight at home, thieves force entry and steal your nail gun, harness and drills. You lose two days of work while you replace the gear.
WHY IT'S COVERED
Tools of Trade cover can respond to theft from a securely locked vehicle or building when there's damage showing forcible entry.
Tool Theft
SCEANRIO
During a roof replacement, you remove the client's skylight and store it in your workshop for safekeeping. Overnight, a ladder tips over and cracks the frame. The client says you should pay to replace the skylight.
WHY IT'S COVERED
Most Public Liability policies may include cover for damage to property temporarily in your care, custody, or control, subject to sub-limits and exclusions.
Property in Your Care
SCEANRIO
You are re roofing a shopfront. A loose nail and offcut left near the footpath causes a passer by to trip and injure their ankle. They need treatment, take time off work, and later claim your business should pay their costs.
WHY IT'S COVERED
Public Liability insurance covers your defence costs and settlement payable for personal injury to third parties resulting from negligence during your operations.
Injury to Others
SCEANRIO
While fixing a leak, your roofer drops a bundle of tiles that cracks the client's skylight and dents their guttering. Water then gets in and damages a bedroom ceiling, and the homeowner asks you to pay for repairs.
WHY IT'S COVERED
The policy covers your defence costs and settlement payable for accidental damage to third-party property caused by 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.
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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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