The following provides a general review on matters of interest and is for your guidance only. It does not constitute legal advice and you should always refer to the policy wording.

Public Liability

Liability Insurance covers your legal costs & expenses in the event you are found negligent for personal injury or property damage to a third party. In personal injury claims you could be held liable to pay medical costs including rehabilitation expenses. Compensation could also be awarded to the family not to mention your legal fees on top of that. Without Liability insurance all of these costs would come from your own pocket. Liability Insurance cover provides a financial safety net in case something unforeseeable does happen.

Claims Examples

You stumble and accidentally drop a child whilst walking down the stairs, leaving them with a permanent disability
You leave a hot drink unattended for a moment and a child suffers burns and scarring
You make an error whilst administering medication to a child, causing an adverse reaction or overdose
Even though the family you are working for may have home and contents insurance that covers damage to their property caused by you, their Insurer may seek to recover the costs of the claim from you

Claims Examples
You are cooking dinner, leave the kitchen for a moment and return to find it on fire
You put washing on, go out and come back to find the house has flooded
You are playing with the children and damage a $5,000 plasma TV
You have taken the family’s $2,500 video camera out for the day and you lose it

Under the Statute of Limitations, after a child reaches the age of 18 years they have at least a further 3 years in which to instigate legal action against you. i.e. legal action could be taken against you up to 21 years after the injury/illness occurred. This is why it is imperative you have a policy in place at the time the injury/illness occurred. Although you may not have any assets today your financial situation will more than likely change in the future and you could be jeopardising it by not insuring against your legal liability. You do not have to have a current policy at the time you need to make a claim, you do however need to be covered at the time the injury/accident occurred.
Yes, the Insurance Company (QBE Insurance Australia), acting on your behalf, will defend any claim or legal action against you even if the action is groundless, false or fraudulent. They will also pay all expenses incurred and all costs taxed against you in any such suit.
No, Public Liability Insurance does not cover any criminal acts or threats of legal action for criminal acts.
You are covered anywhere in Australia, (written permission is not required under our policy).
Yes you get a discount if you are a Member of the Australian Nanny Association. We just require your member number to apply the discount.
Yes, you may work for a number of different Agencies, you are covered for any work you do regardless if it is through an agency or private work.
If you have an accident in a motor vehicle causing injury to the Children, if the Compulsory Third Party Personal Injury Insurance (i.e. Personal Injury Insurance that goes hand in hand with the vehicle’s registration) does not covered the injury then our policy will.

Damage caused to the motor vehicle following a motor vehicle accident can only be covered under a motor vehicle policy.

If you are administering medication to a child it is important that a NannySure Permission Slip is completed by both the Parent/Guardian and the Carer and the medication is administered as instructed.
Contact our office, our Claims Manager will facilitate the claim on your behalf with the Insurer and monitor it to ensure it is settled as quickly as possible. You will need to complete a Claim Form and either email, fax or post it to our office together with the letter of demand from the family or third party holding you responsible.
No

The premium may be paid either annually or monthly at no additional cost via direct debit from a bank account or credit card
The premium/1st installment will be debited 21 days after the policy inception date to assist with cash flow (unless another date is nominated by you).

There are no cancellation fees; you only pay for the period you are covered.
A minimum premium equivalent to approximately 6 weeks cover will however apply.
Our Broker Fee of $66.00 is not refundable.
You will need to request the policy be cancelled in writing via email, fax or post with the date you would like it cancelled from.
Yes, you can claim 100% of the premium back as a tax deduction.

Personal Accident & Illness

Personal Accident & Illness Insurance is designed to protect you against loss of income resulting from an injury or sickness. If you are self employed with no sick leave or are in a situation where your income is essential to meet commitments including medical expenses, mortgage payments/rent, car payments, food and bills, this policy offers you complete peace of mind your weekly income is insured. The amount paid will depend on your nominated weekly sum insured as shown on your insurance certificate, and your eligibility for other sickness/injury entitlements.
Yes, you can elect a policy that covers you 24 hours a day, 365 days per year.
The policy will pay your weekly income up to 2 years from the date of the accident or sickness or until you are able to return to work again (which ever occurs first).
Yes, the policy will not pay your lost income for the first 7-14 days; this keeps the premiums down as it eliminates small claims.
Lump Sum Benefit is payable in full or a by a percentage following an accident resulting in:

Accidental Death
Permanent Disablement
Paraplegia or Quadriplegia
Loss of sight of both or one eye
Loss of use of a limb
Loss of hearing in both ears
Loss of hearing in one ear
Permanent Loss of use of 4 fingers and thumb of either hand
Other events covered are outlined in the product disclosure statement

No, (however you can apply to have these considered)
Contact our office, our Claims Manager will facilitate the claim on your behalf with the Insurer and monitor it to ensure it is settled as quickly as possible. You will need to complete a Claim Form and either email, fax or post it to our office together with medical certificate and documentation to substantiate your earnings (i.e. a letter from your employer, copy of your tax return etc.).
No, the premium may be paid as follows:

Annual Payment upfront
Monthly Instalments at no additional cost

If you haven’t put in a claim, there are no cancellation fees; you only pay for the period you are covered.
If you have made a claim the premium is not refundable.
Our Broker Fee of $66.00 is not refundable.
You will need to request the policy be cancelled in writing via email, fax or post with the date you would like it cancelled from

Professional Indemnity

The policy will give you the reassurance that you are comprehensively covered against a wide range of actions arising from:

A breach of professional duty in the conduct of your profession (i.e. you make a mistake causing someone to suffer a financial loss)
Costs & expenses incurred in the defence or settlement of any Claim indemnified by this policy
Unintentional infringement of copyright, trademark, registered design or patent, or any plagiarism
Unintentional breach of confidentiality
Defamation
Civil liability for compensation arising from any claim made against you under the terms of the Trade Practices Act or the Fair Trading Act

Examples of a claim from this policy could include:
breach of privacy;
failure to conduct appropriate reference, police or other checks;
inappropriate advertising;
failure to check qualifications and experience levels of candidate are suitable for the job;
claims of inappropriate contact/poaching of company staff.

Management Liability

Management Liability protects the individuals and company in relation to the exposures associated with managing a company. The key elements to the cover are:

Directors & Officers: Covers the Directors & Officers (including where the company can reimburse the directors) for any claim alleging a Wrongful Act (negligence, breach of duty, misrepresentations etc) by a Director or Officers.
Company Cover: Covers the company where there is a claim against the entity alleging wrongful acts
Employment: Covers the company for claims alleging employment breaches including wrongful dismissal, discrimination, harassment etc.
Trustee: For trustees of staff superannuation fund
Crime: Covers the company for theft by its employees.

Examples of a claim from this policy could include:

Unfair Competition
Theft of Trade Secrets
Occupational Health & Safety
Employment Practices Liability – Wrongful Termination
Crime – Altered Cheques
Negligence/ Fraud

Statutory Liability

Provides Protection to companies and individuals against liability for statutory fines and penalties that result from a breach of legislation.

Workers Compensation

We recommend you contact the following to discuss your legal obligation/exposure for Workers Compensation.

For Workers Compensation in NSW, ACT, VIC, NT, TAS, WA, please contact QBE Workers Compensation –
http://www.qbe.com.au/Workers-Compensation/Insurance.html
Email: [email protected]
Phone: 02 9375 4444 (NSW)

For Workers Compensation in QLD, please contact Workcover QLD – http://www.workcoverqld.com.au/insurance
Email: [email protected]
Phone: 1300 362 128

For Workers Compensation in SA, please contact Workcover SA – http://www.workcover.com/
Email: [email protected]
Phone: 13 18 55

Disclaimer The description of coverage contained on this website is a summary only. Any claims made are subject to the terms, conditions, limitations and exclusions outlined in your policy of insurance. In the event of any conflict between the descriptions of coverage in this document and your policy of insurance, the coverage contained in your policy of insurance will prevail.