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 EXCLUDED
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 EXCLUDED
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 EXCLUDED
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.
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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
Why Businesses trust upcover
Get quotes in minutes, adjust your cover as your business evolves, and lean on expert support to help you make confident insurance decisions.
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Who It’s For
Who needs
Commercial Legal Expenses
Insurance?
Types of businesses who might be contractually required or recommended to take out this insurance.
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 EXCLUDED
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.
February 23, 2026
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 EXCLUDED
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 EXCLUDED
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
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 EXCLUDED
Public liability covers injuries to customers that occur on the premises due to hazards like spills.
Customer Slip and Injury
SCENARIO
A homeowner experiences water damage due to a burst pipe and needs to file a claim with their insurance provider.
WHY IT'S EXCLUDED
Home insurance typically covers sudden and accidental water damage, making it essential for homeowners to understand their policy details.
Slip on Damp Carpet
SCENARIO
A traveler cancels their trip due to unforeseen circumstances and needs to file a claim for non-refundable expenses.
WHY IT'S EXCLUDED
Travel insurance protects against unexpected events that can disrupt travel plans, providing financial relief for non-refundable costs.
Chemical Spill 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.
Price Factors
Factors Affecting Cost of
Commercial Legal Expenses
Insurance
Your premium is based on your details and the cover options you choose. There is no one set price for every business.
What Affects your
Commercial Legal Expenses
Insurance Premium?
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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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