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
A small restaurant arrived to open for breakfast and found that their main freezer had failed overnight. All frozen stock was spoiled, and service was disrupted while the equipment was repaired and ingredients replaced.
WHY IT’S COVERED
Business Pack Insurance may cover equipment breakdown, perishable goods and loss of income.
Equipment Breakdown Loss
SCENARIO
During a busy weekend lunch service, a customer slipped on a drink spill that staff had not yet seen. The customer injured their hip, required medical attention and contacted the business to request compensation.
WHY IT’S COVERED
Public liability covers injuries to customers that occur on the premises due to hazards like spills.
Customer Slip and Injury
SCENARIO
A café unknowingly served a customer a chicken wrap that had spoiled overnight after the fridge temperature rose during a power outage. The customer became unwell shortly after eating and filed a formal complaint with the business.
WHY IT’S COVERED
Products liability responds to claims involving accidental food contamination and customer illness.
Food Contamination 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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