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.
Product Reaction
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.
SCENARIO
After a late-night office clean, your locked van is broken into with visible forced entry. Thieves steal your commercial vacuum, polisher and chemical kit worth $4,000. You lodge a police report and lose a day of work replacing gear.
WHY IT’S COVERED
Tools of Trade can cover theft from a securely locked vehicle or building where there’s evidence of forced entry (no open-air theft).
Tool Theft
SCENARIO
A client asks you to move their laptop and designer bag to a side table while you clean. Your vacuum cord catches the table, the items fall, a tablet inside cracks, and the client asks you to cover repairs and replacement.
WHY IT’S COVERED
Policy extends Public Liability to damage to property not owned by you but in your physical or legal control (up to $250k aggregate).
Property in Your Care
SCENARIO
You mop an apartment lobby near the lift and the floor stays slick. A delivery driver misses the warning sign, slips, injures their wrist and takes time off work. They claim you didn’t cone the area and seek costs and compensation.
WHY IT’S COVERED
Public liability insurance for cleaners may cover third party injury claims from an Occurrence linked to your work.
Public Injury
SCENARIO
During a bond clean, your sprayer leaks degreaser onto a polished timber floor. It strips the finish across the hallway, and the agent invoices you for sanding, re-sealing and lost rent while repairs are done.
WHY IT’S COVERED
Public Liability insurance for cleaner may cover third-party property damage caused by your cleaning 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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Am I covered if a client claims I gave them bad advice about hair or skin care?
Professional Indemnity coverage may respond to claims arising from advice you provide as part of your beauty services, including recommendations about hair treatments, skincare routines, or product usage.
Am I covered if a client claims I gave them bad advice about hair or skin care?
Professional Indemnity coverage may respond to claims arising from advice you provide as part of your beauty services, including recommendations about hair treatments, skincare routines, or product usage.
Am I covered if I damage a client's clothing or belongings?
Public Liability coverage may respond to accidental damage to client property while on your premises, including spilling products on clothing or damaging jewellery during treatments.
Am I covered if I damage a client's clothing or belongings?
Public Liability coverage may respond to accidental damage to client property while on your premises, including spilling products on clothing or damaging jewellery during treatments.
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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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