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
Overnight, thieves force entry into your securely locked ute, leaving visible damage, and steal your tile cutter, laser level and mixer. You miss a day on site and pay to replace the gear so you can finish the job.
WHY IT'S COVERED
Tools of Trade cover in tilers insurance can help for theft from a securely locked vehicle or building with forcible entry. Limits apply.
Tool Theft
SCEANRIO
A client asks you to move their new vanity and shower screen into the garage so you can tile. While carrying the screen, it slips and shatters. The client wants it replaced and claims the cost and delivery fees.
WHY IT'S COVERED
Most policies include cover for damage to property temporarily in your care, custody, or control, subject to sub-limits and exclusions.
Property in Your Care
SCEANRIO
On a renovation site, you grout a bathroom entry and the floor stays slippery. A visitor slips, injures their wrist and needs treatment. They later claim compensation and legal costs from your tiling business.
WHY IT'S COVERED
Public liability insurance covers your defence costs and settlement payable for injury to third parties resulting from negligence during your operations.
Injury to Others
SCEANRIO
While tiling a bathroom, you nick a pipe and water leaks under new tiles, damaging cabinetry and flooring. The homeowner has to strip it back and repairs the room, then makes a claim against your business for the costs.
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.
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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