INSURANCE SUMMARY FOR MEMBERS GUIDE

Transcription

1 1 MARCH 2015 TO 1 MARCH 2016 P&Cs QLD INSURANCE SUMMARY FOR MEMBERS GUIDE P&Cs QLD has organised for the following insurance covers to be available to P&C associations who are affiliated members: POLICY ONE General Property POLICY TWO Combined General and Products Liability POLICY THREE Personal Accident Contained within this document is a summary of cover and other helpful information for your association. This is a brief overview only of the insurance cover provided under P&Cs QLD insurance package for the period 1 March 2015 to 1 March For a full understanding of the extent of the insurance cover please refer to the policy terms, conditions and exclusions. Marsh Advantage Insurance P&Cs Qld 1

2 TABLE OF CONTENTS SECTION ONE... 2 POLICY ONE GENERAL PROPERTY... 3 WHY DO P&C ASSOCIATIONS NEED GENERAL PROPERTY INSURANCE?... 3 WHAT DOES THE GENERAL PROPERTY POLICY COVER?... 3 SECTION POLICY TWO COMBINED GENERAL AND PRODUCTS LIABILITY... 5 WHAT DOES THE PUBLIC AND PRODUCTS LIABILITY POLICY COVER?... 5 SECTION THREE... 7 POLICY THREE PERSONAL ACCIDENT... 7 WHY DO P&C ASSOCIATIONS OBTAIN PERSONAL ACCIDENT INSURANCE?... 7 WHO IS COVERED?... 7 WHAT DOES THE PERSONAL ACCIDENT POLICY COVER?... 7 WHO TO CONTACT... 9 HOW TO MAKE A CLAIM... 9 HOW DO THE EXCESSES APPLY?... 9 PUBLIC/PRODUCTS LIABILITY AND PERSONAL ACCIDENT CLAIMS... 9 Marsh P&Cs Qld 2

3 SECTION ONE POLICY ONE GENERAL PROPERTY Why do P&C Associations need General Property insurance? Equipment used for fundraising purposes is not covered by Education Queensland and should therefore be insured by the P&C Association. Equipment leased by the P&C Association is also often made the responsibility of the P&C. The P&C Association is responsible for the following: Items of saleable stock including food in tuckshops Fete equipment Assembly hall/activities buildings equipment used for non-school purposes Borrowed, purchased or leased equipment used for fundraising and P&C functions Money These are only some examples of the P&C Association s potential exposure to loss which may be protected by the General Property insurance. P&C Associations should keep a detailed list of all equipment either owned by them, or for which they have assumed responsibility. All items purchased by the P&C Association and not intended for use by the P&C Association for fundraising or their business become the property of the Corporation of the Minister for Education. When equipment is purchased, whether by the school or from local funds, full details of the equipment, source of funding and date of purchase are forwarded to Education Queensland for recording on a Register of Equipment (EDQUIP). In case of fire or other calamity, the central computer record can produce a list of equipment for the school to assist in the replacement procedure. What does the General Property Policy cover? This policy covers all accidental loss or damage not excluded, which means the following perils would be insured: Fire, earthquake, storm and tempest. Malicious damage. Impact. Glass breakage. Theft following forcible entry. Loss of money as a result of forcible entry to any premises or vehicle, armed hold up and loss during transit. Fusion of electric motors. Changes in temperature controlled environment Accidental damage. Flood. The following is the Table of Benefits available and premium applicable: GENERAL PROPERTY (BASIC COVER) SUM INSURED Material Damage $15,000 Sub-Limits: Money $5,000 Members/Volunteers Personal Property (whilst working on behalf of the P&C) $500 Changes in Temperature Controlled Environment $3,000 Accidental Loss / Spoilage of Refrigerated and Frozen Goods $1,000 Fusion $3,000 Property undergoing Alteration or Addition $15,000 Increased Costs of Working following Damage $5,000 Marsh Advantage Insurance P&Cs Qld 3

4 GENERAL PROPERTY Increase Material Damage (Sub-Limits remain as stated) Increase Money Sub-Limit (Annual Cover) Increase Money Sub-Limit (Short Term Cover - maximum period 96 hours, e.g. annual fete, etc.) For higher limits and short term cover for Property and/or Money contact P&Cs Qld. ADDITIONAL PREMIUM (BASE PREMIUM RECORDED ONLY STATUTORY CHARGES ARE IN ADDITION) $9.60 per $1,000 sum insured $18.10 per $1,000 sum insured $7.70 per $1,000 sum insured Optional Extensions COVER ADDITIONAL PREMIUM (BASE PREMIUM RECORDED ONLY STATUTORY CHARGES ARE IN ADDITION) Annual theft cover of $5,000 but limited to $2,000 for property in the open air $54.35 Theft of items intended for sale for the purpose of fundraising Theft of tents, marquees, stalls, trestles and other equipment not being equipment intended for sale. Cover is limited to a maximum period of 96 (ninety six) hours commencing from inception of cover $9.00 per $1,000 sum insured $18.10 per $1,000 sum insured Breakdown or malfunction of electronic equipment - $5,000 limit $54.35 Employee theft of property or money - $2,000 limit $30.20 Employee theft of property or money - $5,000 limit $60.00 These options are only available upon request to P&Cs Qld and are subject to the applicable additional premium being paid prior to cover being effected. The Policy Wording is available upon request from P&Cs Qld in hard copy format or alternatively the document can be requested via or down loaded from P&Cs Qld web site Marsh Advantage Insurance P&Cs Qld

5 SECTION 2 POLICY TWO COMBINED GENERAL AND PRODUCTS LIABILITY Why do P&C Associations need Public and Products Liability insurance? P&C Associations are reminded that it is a condition of their use of school facilities that the P&C Association has Liability insurance cover for their members. This requirement has been made in the interest of members of P&C Associations. By the very nature of its activities, a P&C Association has dealings with the general public. If an accident occurs and there is a personal injury or damage to property, a legal action for damages may be commenced by a third party (injured party). The P&C Association could be proven negligent and thus be held responsible for such accident. Third parties can include members of the public, parents of school children, school children themselves and even voluntary workers of the P&C. It is therefore essential for every P&C Association to be adequately protected by Liability insurance. P&C activities where liability exposure occurs: School Fetes Fundraising Activities Preparation and Selling of Food Swimming Pool Responsibilities P&C Meetings Before/After School Care P&C Excursions Vacation Care. These are only some examples of potential exposures. It is recommended that P&C Associations record the approval of their activities, and the people involved in these activities, in their Minutes. What does the Public and Products Liability policy cover? This policy indemnifies the P&C Association for all amounts up to the limit of liability where all of the following are satisfied: (1) Personal injury or property damage occurs during the period of insurance. (2) Which is caused by an occurrence in connection with the activities of the Association. (3) For which the insured is legally liable to pay compensation. (4) And no admissions of liability are made without the Insurer s consent. Cover is subject to all conditions and exclusions in the Policy. The Policy also covers legal costs incurred with the consent of the Insurer. The Policy Wording is available upon request from P&Cs Qld in hard copy format or alternatively the document can be requested via or down loaded from P&Cs Qld web site - Excess(es): Property in Care, Custody and Control $100 any one occurrence (Cost Inclusive). All Other Claims NIL (with the exception of Molestation, Discrimination, EPL and Statutory Liability). In addition, it is important for you to note that any activities which are considered hazardous may not be covered by this insurance (e.g. gymkhanas, flying foxes, lolly drops from aeroplanes, motor races, etc.). Activities of a hazardous nature must be advised to either P&Cs Qld or Marsh so that they may be referred to your insurance company for consideration. It is recommended by the broker that notification of such activities occurs 30 days before they are scheduled to be held by using the Activity Declaration Form contained in this document. Additional Premiums Before/After School Care The additional premium applicable to include before/after school care is available on application. Marsh Advantage Insurance P&Cs Qld 5

6 Vacation Care The additional premium applicable to include vacation care is available on application. Swimming Pool The additional premium applicable to include swimming pool management is available on application. To arrange any of the above cover extensions contact P&Cs Qld. Please note for your reference, contact details are located at the conclusion of this document. Additional Information Community Use of School Pools If the community use of the pool is being administered by the P&C then your Public Liability insurance will protect P&C members up to the sum insured. Please refer to the Principal regarding who can authorise the community use of school pools. If a Swimming Pool Management Committee (which is not a committee of the P&C Association) is set up to administer the community use of the school pool (for example, in small towns where there is no public pool) then it should take out its own Public Liability insurance. Amusement Devices or Activities Whilst your insurance policy does not impose special conditions regarding the use of amusement devices or activities, for the sake of good order, the following procedures should be adopted: (a) (b) (c) that the Principal has approved the holding of the fete if on school premises; that the P&C supplies the Principal with details of the amusement devices or activities to be used; that the operator of the device or activity (i) (ii) (iii) (iv) (v) has written authorisation from the supplier of the device or activity is over 18 years of age (over 21 for cable traction devices) has no physical disability has command of the English language and the ability to communicate has been instructed by an experienced person in the operation of the machine or management of an activity; (d) (e) (f) (g) that any machine is registered; that any machine complies with The Inspection of Machinery Act; that the supplier of the device confirms in writing that the device is in good working order; that the registered or recognised owner must hold Public Liability cover of at least $10,000,000 and provide written proof of this to the P&C. Note: At law, the P&C Association may be held to be the owner of the equipment and therefore may be held responsible for any legal liability arising out of the use of the equipment. The supplier and the P&C Association could also be co-joined in an action. List of Typical Types of Amusement Devices and Activities Ferris Wheel, Rock-O-Plane, Merry-Go-Round, Horse-O-Plane, Bombers, Chair O-Plane, Roundabout, Swing Boats, Dodgem Boats, Auto Cars, Speed Cars, Dodgem Cars, Big Dipper, Turkey Walk, Shuffle Boards, Octopus Ride, Ghost Train, Tractor Train, Miniature Railway, Jumping Castles, Pony Rides, Camel Rides and the like. 6 Marsh Advantage Insurance P&Cs Qld

7 SECTION THREE POLICY THREE PERSONAL ACCIDENT Why do P&C Associations obtain Personal Accident insurance? P&C Associations are reminded that it is a condition of their use of school facilities that the P&C Association has adequate Personal Accident insurance for their voluntary workers. This requirement has been made in the interest of members of P&C Associations. Duties and tasks which involve voluntary workers can cover a wide range of activities. These duties and tasks should be noted in the P&C Association s Minutes and where possible voluntary workers should be named. It is also necessary that all school voluntary workers sign a register of attendance. The performance of such duties/tasks must be undertaken with all reasonable care and within non-dangerous constraints. (For example, to run across a slippery floor carrying an urn of hot water might constitute unreasonable care.) Who is covered? Cover is provided for all voluntary workers, being members of the community aged between *10 years and 90 years whilst carrying out voluntary work on behalf of the P&C Association or their school. *Note: Students who assist as voluntary workers in P&C or school activities must have written permission from their parents. There is no cover for children accompanying voluntary workers unless such children are voluntary workers. What does the Personal Accident policy cover? The policy provides a number of different benefits for Injuries (as defined) sustained to voluntary workers whilst carrying out voluntary work including travel to and from home provided such travel is without substantial deviation or unnecessary delay. These benefits range from Temporary Total Disablement involving absence from work, to serious events such as loss of limbs or even death. The cover will also protect people who represent their P&C Associations at area level and on approved P&C Business. In addition, the policy will cover the expenses incurred for the employment of domestic help if the claimant is not an income earner and is unable to attend to their normal duties. Cover for weekly benefits for lost work time only applies to voluntary workers, including school children who have full, casual or part time employment. The following is an overview of the Table of Events contained in the Policy Schedule: THE COMPENSATION APPLICABLE UNDER EACH SECTION OF THIS POLICY FOR EACH INSURED CAPITAL BENEFITS, EVENTS 1-19 Insured Persons Aged years: Insured Persons Aged under 18 years Event 1, Death limited to: Insured Persons Aged years: Insured Persons Aged years Event 1, Death only: WEEKLY INJURY BENEFIT, EVENT 20 / COMPENSATION FOR INCOME EARNERS Insured Persons Aged years: Insured Persons Aged years: Aggregate Period Elimination Period DOMESTIC HELP (NON-INCOME EARNERS), EVENT 21 Insured Persons Aged years: Insured Persons Aged years: Insured Persons Aged years: Aggregate Period years Elimination Period years Aggregate Period years Elimination Period years THE COMPENSATION $100,000 $50,000 $20,000 $10, % of Income to a maximum of $2000 per week NIL 104 Weeks NIL Days 100% to a maximum $500 per week 100% to a maximum $250 per week NIL 104 Weeks NIL Days 26 Weeks NIL Days Marsh Advantage Insurance P&Cs Qld 7

8 HOME TUTORIAL BENEFIT (FULL-TIME STUDENTS), EVENT 22 Insured Persons Aged years: Insured Persons Aged years Aggregate Period Elimination Period NON-MEDICARE MEDICAL EXPENSES, EVENT 23 Insured Persons Aged years: Insured Persons Aged years: 100% to a maximum $500 per week NIL - NOT INSURED 104 Weeks NIL Days 100% to a maximum $10,000 Excess: $50 each and every claim NIL HOME / CAR RENOVATION EXPENSES $10,000 EMERGENCY PUBLIC TRANSPORT EXPENSES Emergency Transportation to registered medical facility Reimbursement of actual public transport expenses for travel to and from Your usual place of residence to medical treatment BROKEN BONES BENEFITS Injury resulting in fracture of the: (a) neck or spine (full break) (b) hip, pelvis (c) skull (other than jaw and cheek), shoulder blade (d) collar bone, upper leg (e) upper arm, kneecap, forearm, elbow (f) lower leg, jaw, wrist, cheek, ankle, hand, foot (g) ribs (per rib) (h) thumb, finger, toes (per thumb, finger toes) Maximum compensation any one injury: Maximum of $10,000 per person Maximum of $150 per week for a maximum of 10 weeks $5,000 $3,000 $1,000 $ 800 $ 800 $ 300 $ 300 $ 250 $5,000 BED CARE PATIENT BENEFIT Elimination Period: $50 per day to maximum $4, Hours Full details of the benefits for all sections of cover are contained in the Policy Wording and Policy Schedule available from P&Cs Qld in hard copy format or alternatively the document can be requested via or downloaded from P&Cs Qld website Excess: Non-Medicare Medical Expenses All Other Claims $50 each and every claim Nil Note: No Benefits are payable unless medical advice is obtained from a legally qualified medical practitioner and followed as soon as practicable. Non-Medicare Medical Expenses Where expenses are incurred that are not subject to any full or partial Medicare rebate nor are they recoverable by you from any other source and are incurred within twelve (12) calendar months of You sustaining Injury are covered within the limitations of the policy. This benefit is subject to a $50 per claim excess. Note: Non-Medicare Medical Expenses does not include any or part of any expenses for which a Medicare benefit is paid or is payable, nor does it include the balance of monies due or payable by You after deduction of any Medicare benefit or rebate (commonly known as the Medicare Gap ). The total Liability shall not exceed in the aggregate the amount specified in the Policy Schedule, in respect of any one Injury. Non-Medicare Medical Expenses benefits are not available to persons aged 81 to 90 years (inclusive). A full list of the schedule of benefits is included in the Policy Wording. 8 Marsh Advantage Insurance P&Cs Qld

9 This is only a brief summary of the benefits and exclusions which may apply. P&Cs Qld has purchased a Personal Accident Insurance Policy for Voluntary Workers. AIG Australia Limited (AIG), ABN is the issuer of the Personal Accident insurance product. This document may contain general advice which does not take into account your personal circumstances and objectives. For full details of the Personal Accident insurance and in considering whether to acquire insurance, you should consider the applicable Product Disclosure Statement (PDS). Who to Contact For all general enquiries, payments and alteration requirements, please contact: P&Cs Qld PO Box 67, Kelvin Grove Qld 4059 Phone: (07) (between 8.30am and 4.30pm) or Fax: (07) admin@pandcsqld.com.au For all claims, cover and activity enquiries, please contact: Marsh Advantage Insurance Pty Ltd GPO Box 2743, Brisbane Qld 4001 Phone (07) pandcsqld@marshadvantage.com Fax: (07) How to Make a Claim Telephone Marsh Advantage Insurance or alternatively complete the Claims Notification Advice Form. This document will enable the appropriate claim form to be forwarded to the P&C Association for completion. The completed claim form and accompanying documentation are to be returned to Marsh Advantage Insurance. Claims under the General Property policy for loss or damage up to $500 may be repaired or replaced without referral to the broker or P&Cs Qld. Where the loss is estimated to exceed $500, contact the broker who will ascertain whether the underwriter wishes to appoint an assessor. Marsh Advantage Insurance must be notified immediately of any circumstances involving personal injury or damage to third party property. Underwriter s individual claims cheques will be sent out by Marsh Advantage Insurance. How do the Excesses Apply? General Property Claims In 1994, P&Cs Qld (formerly QCPCA) established an excess pool from which General Property losses under the imposed Policy Deductible of $300 will be paid. Effective from the 1 March 2005 the General Property claims procedure operates as follows: 1. (a) The first $150 of each loss where the claim costs are $500 or less; or (b) The first $250 of each loss where the claim costs exceed $500. This portion is uninsured and is to be met by the individual P&C s. 2. Each loss between $150 and $300: This portion is uninsured under the Contract of Insurance. Reimbursement of such losses is to be paid from the excess pool collected from the P&C s by P&Cs Qld, and managed by Marsh Advantage Insurance on their behalf. P&Cs Qld has instructed Marsh Advantage Insurance to make such payments from the excess pool in accordance with the terms and conditions of the insurance policy. 3. Each loss exceeding $300: This portion will be dealt with as in 1. and 2. above but with the underwriter paying for the insured portion over $300. These losses will be handled by AAI Limited T/AS Vero Insurance and monitored by Marsh Advantage Insurance. Combined General and Products Liability and Personal Accident Claims Refer to the respective Policy Wording for details on the Policy Deductibles applicable. Marsh Advantage Insurance P&Cs Qld 9

10 All Policy Wordings are available upon request from P&Cs Qld in hard copy format or alternatively the document can be requested via or down loaded from P&Cs Qld website - Arranged through: Marsh Advantage Insurance Pty Ltd ABN Riverside Centre 123 Eagle Street Brisbane Qld 4000 Telephone: (07) Facsimile: (07) pandcsqld@marshadvantage.com In conjunction with: P&Cs Qld PO Box 67 Kelvin Grove Qld 4059 Telephone: (07) Facsimile: (07) admin@pandcsqld.com.au Insured by: Policy 1 AAI Limited T/AS Vero Insurance ABN Brisbane Square 266 George Street Brisbane Qld 4000 Policy 2 Liberty International Underwriters ABN Eagle Street Brisbane Qld 4000 Policy 3 AIG Australia Limited Insurance (AIG) ABN Eagle Street Brisbane Qld Marsh Advantage Insurance P&Cs Qld

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