Careseekers Insurance Policy
"When you hire on CareSeekers, rest assured that our members are covered by a $10 million public liability insurance policy placed by CGU"
Care workers paid through CarePay, the online payment system of Careseekers Pty Ltd (“Careseekers”), are covered under a Public Liability Policy placed by CGU. The policy has a sum insured limit of up to$10 million any one claim and is subject to certain exclusions as detailed in the policy wording.
Working closely with CGU the policy provides insurance to all care workers paid through CarePay, the online payment system of Careseekers Pty Ltd (“Careseekers”).
The aim of this insurance is to provide peace of mind to care workers as they work. In the unlikely event that something goes wrong, the policy provides care workers with insurance cover for their legal liability to third parties for party property damage caused by care workers and/or for personal injury claims brought against them whilst they are performing a caring role being paid for through CarePay.
The care worker will be insured up to $10,000,000 for public liability claims (any one occurrence) and $10,000,000 (any one occurrence and in the aggregate during the Policy Period) for products liability claims. The care worker must pay an excess when the insurance claim relates to bodily injury and/or third party property damage.
Full details of the insurance policy, including coverage, exclusions and relevant applicable excess details are available upon request.
Please note, Careseekers insurance policy does not cover personal injury or property damage to the care worker. Care workers wanting personal protection must arrange their own protections and insurance e.g. personal accident and illness insurance, and/or income protection insurance.
Careseekers is about caring, therefore our insurance policy extends to tasks specifically relevant to working as a care worker. See below for a full list of these tasks and please especially note the few tasks specifically excluded from this extension. We don’t expect care workers will be doing these tasks in most caring roles. You can find these tasks below in a separate list.
The policy effected by Careseekers specifically includes the following care related tasks:
- Washing bathing, dressing and eating
- Monitoring the condition of care seekers by taking temperatures and measuring blood pressure, pulse, breathing and weight
- First Aid
- Monitoring food hygiene and assisting with meal preparation
- Domestic cleaning including infection control
- Health and Safety
- Administration of prescription medication subject to the following conditions:
- Non-prescription medication is not to be administered unless authorised by a Doctor;
- No medication will be administered to persons under the age of 18 years without written permission of the parents or guardians;
- Before the care worker can administer medication the following procedures must be followed:
- Parents or guardian of person being cared for/person being cared for will fill out, sign and date an administration of medication form.
- Parents or guardian of person being cared for/person being cared for will fill out, sign and date a deed of indemnity form;
- Care worker will enter necessary details in a medication register.
- Medication must be in its original packaging that clearly displays:
- Patients name;
- Type of medication;
- Prescribing Doctor;
- Pharmacy Name;
- Cautionary leaflets supplied with medication outlining side effects of medication must be read by the person administering;
- Medication must not be sent with a child;
- Medication must only be administered after all the above procedures have been followed and complied with;
- The person administrating the medication is to ensure that medication is stored in a designated secure place.
The policy effected by Careseekers specifically excludes any claims, costs, liability or expenses arising from the following tasks:
- Treatments prescribed or administered by medical professionals
- Any financial or legal advice including but not limited to wills and power of attorney
- Household Maintenance or modification - this means any handyman work/renovations/building type of activities within a person’s dwelling.
The amount insured in relation to these tasks will be limited to $1m for any one Claim (costs inclusive) and in the aggregate during any one Period of Insurance.
Please note this is a summary of the Careseekers Public Liability Insurance policy ONLY. Nothing contained herein is general or personal advice. Furthermore, it is declared and agreed that nothing contained in this summary should be understood to be an express or implied condition, term or exclusion which forms part of the Insurer Policy terms and conditions or be relied upon in the event of a Claim. Please contact Careseekers for access to the Insurance Policy Schedule and/or Policy Wording for information as to the specific coverage, terms, conditions and exclusions afforded by the Insurer in the event of an incident, occurrence or Claim. Please also note that each claim is subject to an Excess - full details of the Policy, its coverage and exclusions including the applicable excess details are available on request