Presentation on theme: "Anglican Church of Australia National Insurance Program"— Presentation transcript:
1Anglican Church of Australia National Insurance Program StallholdersInsurance OverviewJanuary 2013
2Coverage Summary Insured Declared stallholders of markets which are arranged by Insured ANIP membersPeriod of InsuranceFrom 4.00 p.m. on 31st December 2012 ) LocalTo 4.00 p.m. on 31st December ) TimeLimit of LiabilityPublic Liability $10,000,000 any one occurrenceProducts Liability $10,000,000 any one period of insuranceDeductible$1,000 each and every claim
3Insured ANIP Members Diocese of Adelaide Diocese of Bathurst Diocese of BendigoDiocese of Canberra & GoulburnDiocese of GippslandDiocese of NewcastleDiocese of North QueenslandDiocese of TasmaniaDiocese of The MurrayDiocese of MelbourneDiocese of Brisbane
4Premium Per Stall State Premium GST Stamp Duty Total SA $2.25 $0.22 $0.27$2.74NSW$2.69QLD$0.19$2.66VIC$0.25$2.72ACTWATAS$0.23$0.20$2.67
5Estimated No. of Stallholders per Market Estimated No. of Stallholders Deposit Premium 2013ANIP MemberEstimated No. of Stallholders per MarketNo. of Markets each YearEstimated No. of StallholdersPremiumAdelaide2018360$809.16Bathurst - Mudgee1013130$292.20Bathurst - Kandos550$112.38Bathurst - Oberon81296$215.78Canberra - Goulburn161602560$5,754.02Gippsland15180$404.58Newcastle1722374$840.63North QldTasmania3526910$2,045.37The Murray64$143.85Bendigo14140$314.67Melbourne?Brisbane7436661$1,756.85Total1643135224$11,741.80The deposit premium will be reviewed in June 2013 andNovember 2013 based on declarations from each insured ANIP member.
6Insured Members Responsibilities Maintain a record of all Stallholders that require to be covered by this Insurance. Please use the attached template – “ANIP Insured Stallholders 2013 Register ”.Provide a copy of the complete “ANIP Insured Stallholders 2013 Register” to Aon before the 28 June 2013 and 29 November 2013.Ensure that the markets are conducted in accordance with all local legislation requirements in particular Occupational, Health & Safety.Report to the ANIP office any incidents as soon as possible but no greater than 30 days from the date of the incident.
7ANIP Insured Stallholders 2013 Register ANIP MemberName of MarketAddress of MarketDate of MarketTime of Market(commencement to completion)Name of StallholderContact Details of StallholderTelephone NumberPostal AddressType of Stall (e.g. Food, Clothing, Furniture)
8General ExclusionsAs with any insurance policy, there are exclusions. Listed below is an extract from the policy wording. We recommend that you take the time to read the wording for full policy limits and exclusions.Excluding property owners liabilityLiquor LiabilityClaims arising from forcible ejection by third party security guardsInjury (whilst performing) to performers/actors/singers/entertainers/participants and the like (where applicable)Damage to the ground, pitch, grass area, carpets, rugs and the like due to normal use, wear and tear or abuseProduct Liability for all second hand electrical goods and toysProduct Liability for cosmetic and beauty productsProduct Liability for all medicines, potions, oils, fragrances and soapsAmusement rides of any kindMassage, manipulation of muscle, chiropractic or similarHazardous, flammable or dangerous goodsCross liability for the council. Can include them as an interested party only
9In the event of an accident/claim ACCIDENT REPORTING AND INVESTIGATIONYou must report to your insurer all accidents and incidents involving third parties, including -All serious bodily Injury Incidents including concussion;Any injury involving a fractured/broken bone;Any injury requiring serious medical attention, i.e. stitches;Any incident requiring an ambulance to be called;Damage to property of a third partyAny incident involving an aggressive customer who makes mention of taking the matter further, regardless of the severity of injury.You must investigate the matter and complete and return a full Incident Report within 24 hours of the accident.WHAT IF THE INCIDENT OCCURS WITHOUT MY KNOWLEDGE?Your customers should be informing you of incidents that occur in areas that are your responsibility. It is the Manager’s responsibility to have a method of capturing your customers’ incidents. Any incident that potentially could result in liability to you needs to be reported to Proclaim for immediate assessment.
10In the event of an accident/claim FIRST AID AND WHAT SHOULD YOU DO AFTER A CUSTOMER INCIDENTProvide a high standard of care and response. If you have staff members trained in first aid, ensure they assist to the extent possible.If requested by the injured person - call for a supervisor, a person experienced in first aid, a doctor/ambulance or the injured person should be accompanied to the nearest medical surgery/hospital. Call an ambulance or doctor for serious injuries.*While you should not admit liability, that is not an excuse for not providing a high standard of care. *INCIDENT REPORTComplete the Incident Report/Customer Injury form as soon as the injured person departs.Witnesses should be identified on the Incident Report.Ensure you have accurate detail of the injured person (including contact details) and have recorded details of the injury.If it is a slip or fall injury, inspect the area the incident occurred for reasons for the fall. Also note the customer’s footwear or any other factor that may have contributed to the incident (intoxication, skylarking, lack of supervision).In the event of property damage, supply full details of the item damages and contact details for the owner.
11In the event of an accident/claim FOLLOW UP!The person who attended to an injured customer should work with Proclaim, as they will follow up within a week to ensure the customer is OK. Any complaints should be recorded and communicated to Proclaim.WHAT IF THEY ASK ME TO PAY BILLS?Any request for payment of medical bills or compensation should be directed to our accident management team at Proclaim.HOW DO I COMPLETE THE INCIDENT REPORT FORM?To complete an internet Incident Report Form go to:USERNAME: clubsonline PASSWORD: director when completing a paper based form, fax it to:PROCLAIM at fax number:PLEASE COMPLETE AND SEND THE INCIDENT REPORT FORM WITHIN 24 HOURS OF THE INJURY OCCURRING TO:RICHARD THOMASLevel 2, 134 Flinders StreetPhone: Fax:PROCLAIM HELP DESK
13NotePlease note this presentation is not intended to replace the policy schedule and wording. We recommend that you review these documents at least annually to ensure that they meet your needs and requirements.