Insurance – Policy Details

PUBLIC and PRODUCT LIABILITY INSURANCE

Broker:
Aon Risk Solutions

Interest:
Covering all sums for which the Insured shall become legally liable to pay as compensation for personal injury or property damage caused by an occurrence in connection with the Insured’s business activities within Australia.

Limits:
Public Liability:    $20,000,000 Any one occurrence
Product Liability: $20,000,000 Any one period of Insurance

Highlights:
Alleged Molestation Endorsement – $5M in total for the policy period
Goods in Care, Custody & Control – $250,000
Errors & Omissions –                         $500,000 claims made and in total for policy
Participation for non-contact sports, activities and events

Examples:
An action brought against the member for slip & fall
Third party is injured during respite care
Food poisoning from food prepared & served by the member
Damage to third party property i.e. walls, equipment

Condition:
Professional Indemnity Exclusion applies

Period:
The Annual Policy applies for a Financial year being July 1 to next June 30.
The Certificate of Currency applies from the date of Payment to the next June 30.

Access:
The Application for Insurance is accessed from the Members Area Login.

Cover:
Includes members that operate as Not for Profit and For Profit.