Allied Health: Combined Professional Indemnity & Public Liability


Aged & Disability Care

Industry Segment

Allied Health

Claim Description

The Insured is an allied health organisation that provides group home care to residents. A resident had an episode and locked her carer outside the premises and started a fire in the bedroom with a cigarette lighter. The property insurer covered the loss and sought rectification costs in the sum of $470,000 against the Allied Health insurer alleging negligence as the Insured failed to discharge its duty of care in ensuring incendiary items were not visible to the resident), and in contract for breach of the Residential Tenancy Agreement the Insured had with the owners of the Property.


Rectification costs of $470,000 were covered by the Insurer.

The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.

As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this email is general only.  Coverage for claims on the policy will be determined by the insurer, not BizCover for Brokers, and will depend on the specific facts and circumstances involved.

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