Insurance Cover for Better Caring affiliated carers.

Zurich’s Group Professional Indemnity cover provides up to $10,000,000 with a deductible of $250 to protect affiliated carers for certain losses arising from a claim in respect of:

  • malpractice, and
  • civil liability,

committed or alleged to have been committed by the insured affiliated carer or for which the insured affiliated carer is responsible.

  • claims for unintentional libel, slander or defamation;
  • loss, damage or destruction of documents that belong to an affiliated carer or that the affiliated carer is legally responsible for;
  • costs and expenses arising from claims and complaints relating to unintentional breaches of the Privacy Act; and
  • claims resulting from unintentional infringement of copyright, trade marks, plagiarism or breach of confidentiality.

The policy also 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.
  • Compensatory penalties cover of $150,000 per affiliated carer with a total aggregate liability of $250,000 for all insured affiliated carers during any one period of insurance for liquidated or punitive compensatory civil damages and penalties.
  • Loss of documents cover of $10,000,000 any one claim and in the aggregate for all insured affiliated carers during any one period of insurance for loss, damage or destruction of any documents and/or computer records belonging to the affiliated care or for which the affiliated carer is legally responsible as a result of their professional business practice. This extension is subject to a higher excess of $2,000.
  • Privacy complaints and claims civil liability cover of $50,000 per affiliated carer with a total aggregate of $500,000 for all claims for all insureds during any one period of insurance for any privacy costs and expenses arising from any claim or written complaint made against an affiliated carer for unintentional breach of any duty of confidentiality owned to any patient arising at law or any unintentional breach of the Privacy Act 1988 (Cth), Health Records & Information Privacy Act 2002 (NSW), Health Records Act 2001 (Victoria) or Health Records (Privacy and Access) Act 1997 (ACT) or similar privacy legislation in any state or territory of the Commonwealth of Australia.

 

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