Insurance Cover for Better Caring affiliated carers.

The Group Combined General Liability cover provides up to $20,000,000 cover with a deductible of $250 for the legal liability of Better Caring’s affiliated carers to pay compensation arising out of certain:

  • personal injury
  • property damage; or
  • advertising liability.

 

The policy also extends to cover, amongst other things:

  • Claims preparation costs for reasonable and necessary out of pocket costs incurred up to $25,000 per affiliated carer at the Insurer’s request in the preparation of a defence up to $250,000 for all insured affiliated carers during any one period of insurance.
  • Court attendance costs up to $250 per day for an insured or $500 per day for a principal, partner or director and $25,000 per affiliated carer in total for court attendance costs if you are legally obliged to attend a civil proceeding as a witness in a claim. The aggregate limit of liability of $250,000 for all insured affiliated carers during any one period of insurance.
  • Inquiries costs up to $50,000 per insured affiliated carer, with an aggregate limit of liability of $500,000 for all insured affiliated carers during any one period of insurance for inquiry costs which you incur in preparing for and attending an inquiry.
  • Molestation by unknown offenders cover for liability and civil liability of $2,000,000 per insured affiliated carer, with an aggregate limit of liability of $10,000,000 for all insured affiliated carers during any one period of insurance. This extension is subject to a higher excess of $10,000.
  • Public relations expenses of up to $25,000 per insured affiliated carer, with a total aggregate liability of $250,000 for all insured affiliated carers during any one period of insurance where the insured affiliated care retains the services of a public relations consult for the sole purpose of protecting their reputation that has been brought to questions as a result of a claim..
  • Fraud and dishonesty cover of $250 reimbursement of pre-approved reasonable legal costs and expenses incurred by an insured affiliated carer in successfully defending any action or allegation where the insured affiliated carer has been accused of theft of any property by a Care Recipient, up to a maximum of $25,000 per affiliated carer, with an aggregate limit of liability of $250,000 across all insureds.
  • Custody and Control – cover for liability of an insured affiliated carer for certain property damage to property owned by, hired to or in the custody of an insured affiliated carer up to a limit of $50,000 for any one occurrence per affiliated carer, with an aggregate liability of $500,000 across all insureds.

 

Click the links below for full Product Disclosure Statement and an example Certificate of Currency: