Insurance and Claims Manual Anglican National Insurance...

Aon Risk Solutions Corporate Risk Services

Insurance and Claims Manual

Anglican National Insurance Program

31 October 2013 to 31 October 2014

November 2013

Aon Risk Solutions | Corporate Risk Services 1

Confidentiality Notice

This report contains information which is confidential to Anglican National Insurance Program and Aon Risk Services Australia

Limited (Aon). Accordingly, we trust you will understand this report is given to Anglican National Insurance Program and its officers

and employees in confidence and may not be reproduced in any form or communicated to any other person, firm or company

without the prior approval of Aon.

Privacy Notice

The Aon Group of companies have always valued the privacy of personal information. When Aon collect, use, disclose or handle

personal information, Aon will be bound by the Privacy Act 1988 (the ‘Act’).

Aon collect personal information to offer, provide, manage and administer the many financial services and products we and our

group of companies are involved in. These include insurance broking and claims management, risk management consulting, and

other forms of insurance services (including underwriting of insurance products and reinsurance), employee benefits, premium

financing, superannuation and investment advisory services. Aon also collect it to be able to develop, establish and administer

alliances and arrangements with other organisations in relation to the promotion, administration and use of our respective products

and services.

Aon disclose personal information to third parties who we believe are necessary to assist us in providing the relevant services and

products to our clients. For instance, we disclose personal information to the relevant product provider and their representatives,

our agents and contractors and related companies. We limit, however, the use and disclosure of any personal information provided

by us to such third parties for the specific purpose for which it was supplied.

When you give Aon personal information about other individuals, we rely on you to have made or make them aware that you will or

may provide their personal information to us, the types of third parties we may provide it to, the relevant purposes we and the third

parties we disclose it to will use it for, and how they can access it. If it is sensitive information we rely on you to have obtained their

consent on these matters. If you have not done either of these things, you must tell us before you provide the relevant information.

If you collect, use, disclose or handle personal information on our behalf, or receive it from us, you and your representatives must

meet the relevant requirements of the National Privacy Principles set out in the Privacy Act 1988 (Cth) and you must only use such

information for the specific agreed purpose(s).

If you would like a copy of the Aon Privacy Policy, or wish to seek access to or correct the personal information we collected or

disclosed about you, please telephone or email your Aon representative or access the Aon website www.aon.com.au.

Complaints Dispute Resolution

If you have a concern about a service that Aon have provided, you should contact your Aon representative or your local Aon office.

If your complaint is not satisfactorily resolved, you should contact Aon’s National Complaints Manager on (02) 9253 7000 or put your

complaint in writing to:

National Complaints Manager

Aon Risk Services Australia Limited

GPO Box 4189

Sydney NSW 2001

If you are not satisfied with the outcome determined by the National Complaints Manager, you may contact the Insurance Brokers

Dispute Limited by calling 1800 064 169.

Alternatively, if your concern is with the insurer or the calculation of a claim payment, you may contact the Insurance Enquiries and

Complaints Limited by calling 1300 780 808.

Aon Risk Solutions | Corporate Risk Services

Table of Contents

Introduction 1

Communication Portal 2

AonLine 3

Insurance Program 4

Program Summary 4

Industrial Special Risks 5

Professional Indemnity 16

Management Liability 19

Public & Products Liability 24

Umbrella Liability 27

Hirers Liability 30

1st Excess Liability 32

2nd Excess Liability 34

Comprehensive Crime 36

Motor Vehicle 38

Contract Works 41

Business Travel 44

Voluntary Workers 50

Marine Transit 55

Claims Procedures 57

General 57

Industrial Special Risks 58

General and Products Liability 59

Aon Risk Solutions | Corporate Risk Services

“Claims Made” Policies 60

Motor Vehicle Fleet Insurance 62

Corporate Travel 63

Personal Accident 64

Marine Transit 65

Stallholders 66

Workers’ Compensation 67

Aon Client Promise 68

About Aon 70


Introduction

The Insurance and Claims Manual has been compiled by ANIP & Aon Risk Services (Aon) to provide a

broad outline of your Insurance Program and to offer general information and assistance in understanding

the various insurances which have been arranged on your behalf and the steps and procedures to be

followed in the event of claims arising under the program.

ANIP’s role in the claims management process, as regards above deductible claims, is as follows:

to submit, regularly follow up and negotiate settlement of above deductible claims,

to assist in the resolution or conduct of difficult or contentious claims with underwriter and re-insurers where required,

claims administration, including collection of insurance proceeds and proactive follow-up of outstanding claims until finalisation,

provision of status reports on above deductible claims, and

to maintain records of paid and outstanding claims for underwriting disclosure and inclusion in renewal submissions.

The Insurance Program section of the manual contains a brief description of individual insurances. It

should not however be treated as a replacement for the relevant policy documents. Each policy should

be carefully read and, in particular, note taken of the description in the policy of the coverage thereby

provided as well as the exclusions and policy conditions – these should not in any way be regarded as

being fully or accurately described in the manual.


Communication Portal

Day to Day Contacts

Risk Management & Insurance Dept Eric Schreiber

T: +61 3 9653 4229

F: +61 3 9653 4268

[email protected]

Risk Management & Insurance Dept Ralph Halnon

T: +61 3 9653 4220

F: +61 3 9653 4268

[email protected]

Service Executive Aimee Caldwell

T: +61 7 3223 7408

F: +61 7 3223 7531

[email protected]

Executives

Risk Management & Insurance Manager Matthew Wilson

T: +61 3 9653 4207

F: +61 3 9653 4295

M: +614 08 630 532

[email protected]

Client Relationship Manager Michael Hambleton

T: +61 7 3223 7554

F: +61 7 3223 7531

M: +614 12 591034

[email protected]

mailto:[email protected]






AonLine

AonLine your risk Information Portal which provides you with access to all your essential insurance documentation.

Each ANIP Member has a personal login.

Should you have any questions in regards to access to AonLine please contact Aimee Caldwell at Aon.


Insurance Program Program Summary Class of Insurance Underwriter Policy Limit(s) Deductible(s)

Industrial Special Risks Ansvar Insurance Limited

Various as per policy schedule


Professional Indemnity Ansvar Insurance Limited

$25,000,000 any one claim and $50,000,000 in total

$5,000 each and every claim

Management Liability Ansvar Insurance Limited

Various as per the policy schedule


Public & Products Liability Ansvar Insurance Limited

$20,000,000 any one occurrence and the aggregate

Clause 2 Nil

Except Cannon Hill Anglican College Foundation limited - $2,000

Umbrella Liability Ansvar Insurance Limited

$30,000,000 in excess of $20,000,000

$10,000

1st

Excess Liability QBE Insurance (Australia) Limited

$50,000,000 in excess of $50,000,000

Nil

2nd

Excess Umbrella Zurich Australian Insurance Limited

$20,000,000 in excess of $100,000,000

Nil

Hirers Liability Ansvar Insurance Limited

$2,000,000 Nil

Comprehensive Crime Vero Insurance Ltd Various as per policy schedule


Comprehensive Motor Vehicle

Vero Insurance Ltd Section 1 Market Value or Sum Insured whichever is the lesser

Section 2 $30,000,000

$500 – Basic Excess

Contract Works Ansvar Insurance Limited

$5,000,000 Material Loss or Damage

$20,000,000 Liability

$250

Business Travel Ace Insurance

55% Various as per the policy schedule

Various as per policy schedule AIG 30%

Zurich 15%

Voluntary Workers Ace Insurance

55% Various as per policy schedule


AIG 30%

Zurich 15%

Marine Transit Vero Insurance Ltd Various as per policy schedule

Nil


Industrial Special Risks

Underwriter Ansvar Insurance Limited Policy Number 03.025.0230046

The Insured

Any Diocese or any incorporated or unincorporated Body or any Association of the Anglican Church of Australia as declared to Insurers including The Primate of the Anglican Church of Australia, The Metropolitan for each Province, Anglican Defence Force Chaplains, Anglican Defence Force

Chaplaincy, Defence Force Anglican Chaplains‟ Inc. and/or associated and/or affiliated bodies deemed to be insured by any Diocese or entity already an insured under this policy whether incorporated or unincorporated including National Insurance Programme Committee and Manager or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers, Lay Ministers and Contract Workers for their respective rights and interests or their joint and several liabilities.

The interest of other parties is automatically included where required by them or where the Diocese has agreed to do so.

Declared / Diocese / Entities

Anglican Diocese of Adelaide

Anglican Diocese of Armidale

Anglican Diocese of Ballarat

Anglican Diocese of Bathurst

Anglican Diocese of Bendigo

Anglican Diocese of Brisbane

Anglican Diocese of Bunbury

Anglican Diocese of Canberra & Goulburn

Anglican Diocese of Gippsland

Anglican Diocese of Grafton

Anglican Diocese of Melbourne

Anglican Diocese of Newcastle

Anglican Diocese of North Queensland

Anglican Diocese of North West Australia

Anglican Diocese of The Northern Territory

Anglican Diocese of Perth

Anglican Riverina Diocese Trust

Anglican Diocese of Rockhampton

Anglican Diocese of Tasmania

Anglican Diocese of The Murray

Anglican Diocese of Wangaratta


Anglican Diocese of Willochra

Anglican Board of Mission

Anglicare Central Queensland Ltd

Anglicare North Queensland Ltd

Australian College of Theology Ltd

Anglican Aged Care Services T/as Benetas

General Synod of the Anglican Church

All Souls St Gabriel’s School

EPIC Employment Services Inc

GFS Australia Limited

Good Shepherd Nursing Home

Melbourne Anglican Foundation Limited

St Johns Village Wangaratta

Society of St Francis Association Inc

The Council of the Mothers Union in Australia Inc.


Christ the King Anglican College

Trinity Anglican College (Baranduda)

Trinity Anglican College (Thurgoona)

Defence Force Anglican Chaplains

Kellock Lodge

Anglican Cursillo Movement of Australia (ACMA) National Secretariat

The Business Principally but not limited to religious organisations and affairs incidental thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, Recording Studio, out of uniform Defence Chaplaincy, Students whilst performing work experience, Employment Agencies, Registered Builder, Property Owners/Occupiers Suppliers of Products and Services including Insurance, Accounting and Software and the like and any other occupation incidental thereto.

Period Of Insurance a) From 4.00 p.m. on 31st October 2013 ) Local

To 4.00 p.m. on 31st October 2014 ) Time

b) Any subsequent period for which the Insured shall pay or agree to pay and the Insurers shall agree to accept a renewal premium.


Covering Loss, destruction of or damage to the Property Insured as a result of an insured peril, including loss resulting from interruption or interference to the business, all as defined in the policy.

Interest Insured Section 1 – Material Loss or Damage All real and personal property of every kind and description belonging to

the Insured or for which the Insured is responsible or has assumed responsibility to insure prior to the occurrence of any damage including all such property in which the Insured may acquire an insurable interest during the period of insurance.

Section 2 – Consequential Loss Loss of Gross Profit (as defined) as a result of a reduction in turnover

and/or increase in cost of working resulting from loss, destruction or damage caused by an Insured Peril as per Section 1.

Loss of Gross Revenue (as defined) and/or increase in cost of working

resulting from loss, destruction or damage caused by an Insured Peril as per Section 1.

Loss of Gross Rentals (as defined) and/or increase in cost of working

resulting from loss, destruction or damage caused by an Insured Peril as per Section 1.

Situation and/or Premises Anywhere in Australia where the Insured has property or carries on

business, has goods or other property stored or being processed or has work done, including contract sites.

Limits of Liability The amount(s) set out hereunder represent the Insurer(s) maximum Limit(s) of Liability any one loss or series of losses at any one Situation arising out of any one original source or cause subject to any Sub-Limit(s) of Liability specified elsewhere in the Policy and the Schedule. Combined Sections 1 and 2:

Anglican Diocese of Adelaide $ 80,000,000

Anglican Diocese of Armidale $ 25,000,000

Anglican Diocese of Ballarat $ 20,000,000

Anglican Diocese of Bathurst $ 65,000,000

Anglican Diocese of Bendigo $ 35,000,000

Anglican Diocese of Brisbane $ 85,000,000

- St John’s Cathedral (Excluding Webber, St Martins and Church House)

$ 280,000,000

- Anglican Church Grammar School $ 195,000,000

- All Saints Grammar $ 155,000,000

- The Glennie School $ 89,000,000


- St Pauls School $ 135,000,000

- Canterbury College $ 130,000,000

- St Hilda’s School $ 125,000,000

- The Southport School $ 215,000,000

- West Moreton College $ 100,000,000

Anglican Diocese of Bunbury $ 25,000,000

Anglican Diocese of Canberra-Goulburn $ 55,000,000

Anglican Diocese of Gippsland $ 20,000,000

Anglican Diocese of Grafton $ 80,000,000

Anglican Diocese of Melbourne $ 85,000,000

- St Paul’s Cathedral and Chapterhouse, Melbourne

$ 130,000,000

Anglican Diocese of Newcastle $ 75,000,000

- Christ Church Cathedral $ 85,000,000

Anglican Diocese of North Queensland $ 65,000,000

- Cathedral School $ 115,000,000

- Trinity Anglican School $ 80,000,000

Anglican Diocese of North West Australia $ 20,000,000

Anglican Diocese of Perth $ 85,000,000

- Law Chambers/ St Georges Cathedral $ 120,000,000

- Mt Newman QBE House, Perth $ 210,000,000

Anglican Riverina Diocesan Trust $ 20,000,000

Anglican Diocese of Rockhampton $ 25,000,000

Anglican Diocese of Tasmania $ 25,000,000

Anglican Diocese of The Murray $ 20,000,000

Anglican Diocese of The Northern Territory $ 20,000,000

Anglican Diocese of Willochra $ 10,000,000

Anglican Diocese of Wangaratta $ 40,000,000

Anglican Board of Mission $ 5,000,000

Benetas, Anglican Aged Care Services t/as $ 55,000,000

Anglicare Central Queensland Ltd $ 20,000,000

Anglicare North Queensland Ltd $ 1,500,000

Australian College of Theology Council Limited $ 3,000,000

EPIC Employment Services Inc $ 15,000,000

General Synod of the Anglican Church $ 1,000,000


Limits of Liability The amount(s) set out hereunder represent the Insurer(s) maximum Limit(s) of Liability any one loss or series of losses at any one Situation arising out of any one original source or cause subject to any Sub-Limit(s) of Liability specified elsewhere in the Policy and the Schedule.

Combined Sections 1 and 2:

Good Shepherd Nursing Home $ 85,000,000

St John’s Village (Wangaratta) $ 85,000,000

Society of St Francis Association Inc $ 2,500,000

The Council of The Mothers Union in Australia $ 500,000

All Souls St Gabriel’s School, QLD $ 55,000,000

Cathedral College Wangaratta $ 25,000,000

Christ The King Anglican College $ 25,000,000

Trinity Anglican College (Baranduda) $ 25,000,000

Trinity Anglican College (Thurgoona) $ 25,000,000

Defence Force Anglican Chaplains $ 1,000,000

Kellock Lodge $ 20,000,000

Sub-Limit(s) Of Liability

The liability of the Insurer(s) shall be further limited in respect of any one loss or series of losses at any one Situation arising out of any one original source or cause as set out hereunder.

Sub-Limit(s) Of Liability Section 1 – Property Damage

Accidental Damage $ 1,000,000

Additional Extra Cost of Reinstatement $ 1,000,000

Boarding Students’ property (other than money) $

5,000 Any one student

250,000 Any one loss

Residents of Aged Care Premises Contents (Any one care facility)

$ 250,000

Boiler & Pressure Vessel Explosion $ 200,000

Burglary and Theft from buildings and the like (other than money insured below)

$ 500,000

Breakdown of Electronic and/or Machinery, Plant and Equipment (including Fusion)

$ 500,000

Data Processing/Media Breakdown $ 500,000

Data Restoration Costs $ 500,000

Episcopal Regalia including Worldwide transit $ 500,000

Erosion, Subsidence, earth movement or collapse as per Endorsement 16.10

$ 1,000,000




Sub-Limit(s) Of Liability Section 1 – Property Damage

Fidelity Guarantee/Fraud & Dishonesty as per Endorsement 16.7

$

1,000,000 any one claim

2,000,000 In the aggregate

Any one period of insurance

Computer and Funds Transfer Fraud as per Endorsement 16.8

$

1,000,000 any one claim

and in the aggregate

Any one period of insurance

Jewellery, Precious Metals and Stones $ 100,000

Rockeries, trees, shrubs and the like $ 100,000

Loss of Land Value $ 1,000,000

Money – On premises during business hours, in locked safe or strong room out of business hours and transit including personal custody

$ 200,000

Money – On premises out of business hours not in locked safe or strong room

$ 20,000

Privately owned items not otherwise insured, including property at fetes, art and craft shows

$ 250,000

Property (excluding money) in transit anywhere in Australia – St Hilary’s Anglican Church Kew

$ 200,000

Property (excluding money) in transit anywhere in Australia – All Others

$ 100,000

Property of directors, employees, council members and Volunteers not otherwise insured

$ 5,000

Any one person

Spoilage of Stock and Merchandise $ 25,000

Standing timber, growing crops and pastures $ 50,000

Temporary Accommodation Expenses (3.2.6) $ 50,000

Theft of Property in Open Air $ 50,000

Works of Art, Antiques and Curios unless otherwise declared to Insurers

$ 250,000

Per individual works

Sub-Limit(s) Of Liability Section 2 – Consequential Loss:

Item 10.3 – Additional Increased Cost of Working (not limited to locations covered under Items 10.1 and 10.2)

$ 5,000,000

Item 10.5 – Accounts Receivable $ 100,000




Sub-Limit(s) Of Liability Section 2 – Consequential Loss:

Item 10.6 – Claims Preparation Costs $ 1,000,000

Quarantinable Diseases (Aggregate all Insureds) $ 1,000,000

Sub-Limit(s) Of Liability Section 3 – Contract Works (Material Damage)

All damage to property insured $ 1,000,000

Indemnity Period (Section 2)

Mt Newman QBE House, Perth WA 72 months

All Cathedrals 72 months

All other situations 48 months

Primary Deductibles Combined Sections 1, 2 and 3

Earthquake, Subterranean Fire or Volcanic Eruption

a) 20,000 or

b)

An amount equal to 1% of the total declared values at the situation where the damage occurs, whichever is the lesser

Clergy, volunteers and employees’ property NIL

All other Claims

Anglican Diocese of Adelaide $ 20,000

Anglican Diocese of Armidale $ 10,000

Anglican Diocese of Ballarat $ 10,000

Anglican Diocese of Bathurst $ 20,000

Anglican Diocese of Bendigo $ 10,000

Anglican Diocese of Brisbane $ 20,000

Anglican Diocese of Bunbury $ 10,000

Anglican Diocese of Canberra-Goulburn $ 20,000

Anglican Diocese of Gippsland $ 10,000

Anglican Diocese of Grafton $ 20,000

Anglican Diocese of Melbourne $ 20,000

Anglican Diocese of Newcastle $ 20,000


Primary Deductibles Combined Sections 1, 2 and 3

Anglican Diocese of North Queensland $ 20,000

Anglican Diocese of North West Australia $ 5,000

Anglican Diocese of Perth $ 20,000

Anglican Riverina Diocesan Trust $ 10,000

Anglican Diocese of Rockhampton $ 10,000

Anglican Diocese of Tasmania $ 20,000

Anglican Diocese of The Murray $ 5,000

Anglican Diocese of The Northern Territory $ 5,000

Anglican Diocese of Willochra $ 10,000

Anglican Diocese of Wangaratta $ 10,000

Anglican Board of Mission $ 2,000

Benetas, Anglican Aged Care Services t/as $ 20,000

Anglicare Central Queensland Ltd $ 5,000


Malicious Damage by tenants (Theft by tenants excluded)

$ 5,000

All Other Losses $ 1,000

Australian College of Theology Council Limited $ 2,000

EPIC Employment Services Inc $ 1,000

General Synod of the Anglican Church $ 2,000

Good Shepherd Nursing Home $ 1,000

Retirement Villages Association (Wangaratta) $ 1,000

Society of St Francis Association Inc $ 2,000

The Council of The Mothers Union in Australia $ 500

All Souls St Gabriel’s School $ 2,000

Cathedral College Wangaratta $ 2,000

Christ The King Anglican College $ 1,000

Trinity Anglican College (Baranduda) $ 2,000

Trinity Anglican College (Thurgoona) $ 2,000

Defence Force Anglican Chaplains Inc $ 500

Should more than one deductible appear under this Policy for any one claim or series of claims arising from the one event, such deductibles shall not be aggregated – the highest single level of deductible only shall apply.


Aggregate Claims Deductible

$1,750,000

It is hereby agreed that a self-insured retention amount of $1,750,000 applies to this policy including the following terms and conditions: 1. The insured is responsible for, and must pay the first $1,750,000 in

losses admitted under this policy; and 2. The self-insured retention amount applies to all declared Dioceses and

Legal Entities specified in the schedule of insurance unless otherwise stated and agreed by Ansvar Insurance; and

3. Only those amounts above the primary deductible for losses admitted under this policy constitute towards the erosion of the $1,750,000 self-insured retention amount; and

4. The maximum contribution towards the erosion of the $1,750,000 self-insured retention amount in relation to any single loss, for each and every insured Diocese and Entity, is limited to $350,000 and subject to point 3 above; and

5. The maximum contribution towards the erosion of the $1,750,000 self-insured retention amount in relation to any Event (as defined within the policy wording) is limited to $750,000 and subject to point 3 above.

Primary Deductible Protection Primary Deductible Protection Clause

Member

Declared Values Primary

Deductible Aggregate Deductible

2013/2014

Section 1 Section 2 Total

Anglican Diocese of Adelaide $294,730,814 $7,000,000 $301,730,814 0.04% $120,692


$80,893,491 $133,120 $81,026,611 0.09% $72,924

Anglican Diocese of Armidale $97,935,721 $4,789,902 $102,725,623 0.04% $41,090

Anglican Diocese of Ballarat $102,331,444 $551,100 $102,882,544 0.04% $41,153

Anglican Diocese of Bathurst $327,993,359 $24,503,109 $352,496,468 0.04% $140,999

Anglican Diocese of Bendigo $165,126,919 $3,042,206 $168,169,125 0.04% $67,268

Benetas, Anglican Aged Care Services t/as

$195,095,377 $96,000,000 $291,095,377 0.04% $116,438

Anglican Diocese of Brisbane $2,180,652,796 $463,955,50

4 $2,644,608,300 0.04%

$1,057,843

Anglican Diocese of Bunbury $82,355,608 $3,663,353 $86,018,961 0.04% $34,408


$471,074,994 $34,250,000 $505,324,994 0.04% $202,130

Anglican Diocese of Gippsland $118,981,013 $3,368,851 $122,349,864 0.04% $48,940


Member

Declared Values Primary

Deductible Aggregate Deductible

2013/2014

Section 1 Section 2 Total

Anglican Diocese of Grafton $275,361,242 $60,875,419 $336,236,661 0.04% $134,495


$990,545,866 $16,438,242 $1,006,984,108 0.04% $402,794


$543,931,549 $63,000,133 $606,931,682 0.04% $242,773


$300,208,784 $59,060,000 $359,268,784 0.05% $179,634


$54,071,055 $436,800 $54,507,855 0.06% $32,705

Anglican Diocese of Perth $719,473,300 $105,095,00

0 $824,568,300 0.04% $329,827


$76,719,000 $13,986,000 $90,705,000 0.04% $36,282


$76,929,242 $2,400,000 $79,329,242 0.05% $39,665

Anglican Diocese of Tasmania $136,396,566 $375,572 $136,772,138 0.05% $68,386


$47,531,655 $705,000 $48,236,655 0.06% $28,942


$35,477,000 $1,790,000 $37,267,000 0.07% $26,087


$138,859,000 $3,432,500 $142,291,500 0.04% $56,917

Anglican Diocese of Willochra $56,789,111 $5,090,000 $61,879,111 0.04% $24,752

Totals $7,569,464,906 $973,941,81

1 $8,543,406,717

$3,547,142

Annual Aggregate Deductible Trigger One

0.0325% $2,776,607

If the accumulated amounts borne by the Insured (as stated in the Schedule) during the Period of Insurance exceeds 0.0325% of the total values declared by all Insured Parties at the commencement of each Period of Insurance, then all future claims during the Period of Insurance shall be subject to a deductible of $500 each claim or series of claims arising out of the one original source or cause and not as in the deductible section of the policy schedule stated above In the event that additional Dioceses / Entities are added during the Period of Insurance the rate of 0.0325% shall be applied to the rateable proportion of the values declared for each additional Diocese or Entity from the effective date such Diocese or Entities is added to this policy to the expiry of the Period of Insurance. The amount(s) so calculated shall be added to the original amount calculated to arrive at the amount that needs to be exceeded as provided for in first paragraph above. Definition: Accumulated Amount means The sum of all deductibles retained by the Insured parties excluding the first $500 of each and every claim


In arriving at the accumulated amount the first $500 of each and every loss shall be borne by the Insured, except claims for Personal Property of Clergy, Volunteers and employees where the deductible is nil, and only the amount borne by the Insured in excess of the individual diocese applicable Deductible (as shown in the Deductibles Schedule above) shall go toward eroding the Annual Aggregate. All losses above the individual diocese scheduled deductible being met by the Insurer under this policy. Primary Deductible Protection Clause – Trigger Two Notwithstanding the Annual Aggregate Deductible Clause above, the Insurer agrees if the accumulated amounts borne by an individual Insured (as shown in Deductibles Schedule above) exceeds the individual Insured’s allocated annual aggregate deductible (as detailed below) then all future claims during the Period of Insurance for this individual Insured shall be subject to a deductible of $500 each claim or series of claims arising out of the one original source or cause and not as stated in the Deductibles Schedule 12 above. Example

Diocese / Entity Name Total Declared

Values 2013/2014

Aggregate Deductible

Anglican Diocese of Adelaide $301,730,814 0.04% $120,692

If the accumulated amounts borne by Anglican Diocese of Adelaide exceeds $120,692 then all future claims during the Period of Insurance for the Anglican Diocese of Adelaide shall be subject to a deductible of $500 each claim or series of claims arising out of the one original source or cause and not as in the deductible section of the policy schedule stated above. Policy Wording Anglican National Insurance Program (ANIP) Industrial Special Risks Insurance

Policy Wording 2012/2013


Professional Indemnity

Underwriter Ansvar Insurance Limited Policy Number 01.025.230046(80)

The Insured Any Diocese or any incorporated or unincorporated Body or any Association of the Anglican Church of Australia as declared to Insurers including The Primate of the Anglican Church of Australia, The Metropolitan for each Province, Anglican Defence Force Chaplains, Anglican Defence Force

Chaplaincy, Defence Force Anglican Chaplains‟ Inc. and/or associated and/or affiliated bodies deemed to be insured by any Diocese or entity already an insured under this policy whether incorporated or unincorporated including National Insurance Programme Committee and Manager or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers, Lay Ministers and Contract Workers for their respective rights and interests or their joint and several liabilities. The interest of other parties is automatically included where required by them or where the Diocese has agreed to do so.












































Kellock Lodge


Anglicare Whitsunday Region Ltd but only in respect of an act, error or omission committed or alleged to have been committed on or prior to 31 December 2005






Limits of Liability $25,000,000 any one claim and $50,000,000 all claims in total made under the Policy during any one period of insurance.

With regards to: St. Michael’s Home Assist, Diocese of Brisbane $15,000,000 any one claim and $30,000,000 all claims in total made under the Policy during any one period of insurance.

Deductible $5,000 each and every claim

Retroactive Date Notwithstanding Clause 4 of this policy (Retroactive cut-off date), We will pay up to the sum insured specified in this Certificate of Insurance in respect of a claim arising out of an act, error or omission that occurred on or after 4.00 p.m. on the 31 December 1990. In respect of a claim arising out of an act, error or omission that occurred any time prior to 4.00 pm on the 31 December 1990, We will pay up to the sum of $1,000,000, which shall be the maximum amount we cover you for in accordance with clause 5 of this policy.

Policy Wording Anglican Church of Australia Professional Indemnity Insurance Policy Wording 2012/2013


Management Liability
















































Kellock Lodge







Insuring Clause 3.1 – Directors & Officers Liability Insurance

Retroactive Date Unlimited

Limits of Liability A. $15,000,000 any one claim, but limit any one claim in respect of the following declared entities altered to:

- Cathedral College, Wangaratta: $20,000,000.

B. $30,000,000 in the aggregate any one period of insurance, but aggregate limit of liability in respect of the following declared entities altered to:


C. Pollution Defence Costs (5.15): $500,000 in the aggregate any one period of insurance

Excess Nil

Insuring Clause 3.2 – Entity Reimbursement

Retroactive Date Unlimited



B. $30,000,000 in the aggregate any one period of insurance, but aggregate limit of liability in respect of the following declared entities altered to:


C. Pollution Defence Costs (5.15): $500,000 in the aggregate any one period of insurance

Excess $5,000 any one claim

Insuring Clause 3.3 – Entity Liability Insurance

Retroactive Date 31 December 2009


- Anglican Diocese of Ballarat: $NIL (cover not taken)

- Anglican Board of Mission: $NIL (cover not taken)

- The Council of the Mother’s Union of Australia: $NIL (cover not taken).

B. $20,000,000 in the aggregate any one period of insurance.

C. Pollution Defence Costs (5.15): $500,000 in the aggregate any one period of insurance.


Insuring Clause 3.4 – Employment Practices Liability Insurance








Excess Insured Entity: $5,000 any one claim

Insured Individual: Nil

Insuring Clause 3.5 – Trustees Liability Insurance









Insuring Clause 3.6 – Statutory Liability Insurance









Insuring Clause 3.7 – Internet Liability Insurance










Insuring Clause 3.8 – Entity Crisis Insurance


Limits of Liability A. $250,000 any one claim, but limit any one claim in respect of the following declared entities altered to:




B. $500,000 in the aggregate any one period of insurance.


All Insuring Clauses

Automatic Extensions As per the policy wording

Additional Included Extensions

As per the policy wording and agreed endorsements

Policy Wording Anglican Church of Australia Management Liability Insurance Policy Wording 2011/2012


Public & Products Liability



































All Souls St Gabriel's School













Kellock Lodge







Deductible Clause 2 $ Nil

except Cannon Hill Anglican College Foundation Limited Deductible $ 2,000

Limit of Liability Public & Products Liability

$20,000,000 any one occurrence and in the aggregate any one Policy Period in relation to Products Liability Sexual Molestation / Abuse - $20,000,000 any one occurrence / offender and in the aggregate any one Policy Period for all claims arising out of or in connection with sexual abuse shall not exceed $50,000,000 per Declared Dioceses/Entities named in the Schedule.

Policy Wording Anglican Church of Australia General Public & Products Liability Insurance Policy wording 2012/2013

Anglican Church of Australia Umbrella Liability Insurance Policy wording 2012/2013


Umbrella Liability
















































Kellock Lodge







Deductible Clause 2 $ Nil

except Cannon Hill Anglican College Foundation Limited Deductible $ 2,000

Limit of Liability Public & Products Liability

$20,000,000

Umbrella Liability

The limit of the Insurer's liability is as follows subject to all the terms of this policy having reference thereto.

(a) $30,000,000 any one Occurrence, Injury to any Person or Damage to Property or Advertising Injury or any combination thereof.

in excess of

(1) the amount recoverable under the underlying insurance as set out in the Schedule hereunder;

or

(2) $10,000 ultimate net loss retained by the Insured in respect of occurrences not covered by said underlying insurance.

(b) $30,000,000 in the aggregate for each Policy Period in respect of the Insured's Products.

Schedule of Underlying Insurances

Type of Coverage

Policy No Underlying Insurer

Limits of Liability

General & Products Liability

Various policy numbers

Ansvar Insurance Limited

$20,000,000

Anglican Aged Care Services T/As Benetas

TBA VMIA $20,000,000

Motor Vehicle MLS071341823 Vero Insurance Limited

$30,000,000 for those Diocese/Entities insured under the Vero policy. Otherwise minimum of $5,000,000

Policy Wording Anglican Church of Australia General Public & Products Liability Insurance Policy wording 2012/2013

Anglican Church of Australia Umbrella Liability Insurance Policy wording 2012/2013


Hirers Liability

Underwriter Ansvar Insurance Limited Policy Number 01.025.0526301

The Insured Personal hirers of facilities owned by or under the control of the Diocese declared hereunder of the Anglican Church of Australia.

The Business Hiring of facilities stated above as for use by the hirer for activities in accordance with such activities.












































Kellock Lodge





Limits of Liability $2,000,000

Deductible Nil

Endorsements Sexual Abuse Additional Exclusion

Any actual or alleged sexual abuse.

For the purposes of this exclusion the following definition applies:

Sexual Abuse means any assault of a sexual nature, sexual molestation, indecent exposure, sexual harassment or intimidation, whether such act is the subject of criminal investigation or not.

Policy Wording ANIP Personal Hirers Liability Policy 2012-2013_22 04 2013 V1.0


1st Excess Liability

Underwriter QBE Insurance (Australia) Limited Policy Number AT 0014694 UMB Insured Any Diocese of any incorporated or unincorporated Body or any

Association of the Anglican Church of Australia as declared to Insurers including The Primate of the Anglican Church of Australia, The Metropolitan for each Province, Anglican Defence Force Chaplains, Anglican Defence Force Chaplaincy, Defence Force Anglican Chaplain’s Inc and/or all associated and/or affiliated bodies deemed to be insured by any Diocese or entity already an insured under this policy whether incorporated or incorporated including National Insurance Programme Committee and Manager or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers and Lay Ministers and Lay Ministers for their respective rights and interests or their joint and several liabilities.


Diocese of Adelaide Diocese of Riverina

Diocese of Armidale Diocese of Rockhampton

Diocese of Bathurst Diocese of Tasmania

Diocese of Bendigo Anglicare Central Queensland Ltd

Diocese of Brisbane Anglicare North Queensland Ltd

Diocese of Bunbury GFS Australia Limited

Diocese of Canberra & Goulburn General Synod, The Anglican Church of Australia Diocese of Gippsland

Diocese of Grafton Diocese of Wangaratta

Diocese of Melbourne Diocese of Willochra

Diocese of Newcastle Christ the King - Wangaratta

Diocese of North Queensland Trinity College (Baranduda) - Wangaratta

Diocese of North West Australia Trinity College (Thurgoona) - Wangaratta

Diocese of Northern Territory All Souls St Gabriels

Diocese of Perth


The Business Principally but not limited to religious organisations and affairs incidental thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, property owners/occupiers, Anglican Defence Chaplaincy and the like and any other occupation directly related thereto.

It is noted that the cover for the Anglican Defence Chaplaincy does not

apply when cover is provided by the Australian Defence Forces. Period of Insurance From: 4.00 PM on 31

st October 2013 ) Local

To: 4.00 PM on 31st October 2014 ) Time

Interest Insured Insured’s legal liability to pay compensation in respect of:

(a) Personal Injury; (b) Property Damage; or (c) Advertising Liability happening during the Period of Insurance and caused by an Occurrence within the geographical limits in connection with the Business.

Geographical Limits Anywhere in the world except the United States of America and Canada

where this Policy will only apply in respect of products exported into those countries and/or travelling directors, officers, employees, voluntary workers, ministers and/or lay ministers who are non-resident in such countries in respect of temporary visits only.

Limit(s) of Liability Public Liability: $50,000,000 each and every Occurrence

Products Liability: $50,000,000 each and every Occurrence and in the Aggregate

In excess of the underlying insurance Schedule of Underlying Insurance(s)

Type of Policy Coverage

Policy No. Underlying Insurer(s)

Limit of Liability

Public & Products Liability Insurance

01.025.0230046(80) Ansvar Insurance

$20 Million

Umbrella Liability Insurance


$30 Million

Policy Wording QBE Excess Liability Wording QM2399-1109 Endorsements Molestation Exclusion Contractual Liability Exclusion Underlying Insurance Clause Exclusion – St Pauls Cathedral Sublimit Exclusion Queensland Electrical Contractors Endorsement


2nd Excess Liability

Underwriter Zurich Australian Insurance Limited Policy Number 4329937451 LIA Insured Any Diocese or any incorporated or unincorporated Body or any

Association of the Anglican Church of Australia as declared to Insurers including all associated and/or affiliated bodies deemed to be insured by any Diocese whether incorporated or unincorporated or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers and Lay Ministers for their respective rights and interests or their joint and several liabilities


Diocese of Adelaide

Diocese of Armidale

Diocese of Bathurst

Diocese of Bendigo

Diocese of Brisbane

The Bunbury Diocesan Trustees

Diocese of Canberra & Goulburn

Diocese of Gippsland

Diocese of Grafton

Diocese of Melbourne

Diocese of Newcastle

Diocese of North Queensland

Diocese of North West Australia

Diocese of Northern Territory

Diocese of Perth

Diocese of Riverina

Diocese of Rockhampton

Diocese of Tasmania




General Synod, The Anglican Church of Australia

Diocese of Wangaratta

Diocese of Wilochra

All Souls St Gabriels School

Christ the King Anglican College (Wangaratta)

Trinity College (Baranduda)

Trinity College (Thurgoona)


The Business Principally but not limited to religious organisations and affairs incidental thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, property owners/occupiers and the like and any other occupation incidental thereto

Period Of Insurance From 4.00 p.m. on 31st October 2013 ) Local


Limit(s) Of Liability Public Liability: $20,000,000 each and every Occurrence

Products Liability: $20,000,000 each and every Occurrence and in the Aggregate

In excess of the underlying insurance

Schedule of Underlying Insurance(s)

Type of Policy Coverage

Policy No. Underlying Insurer(s)

Limit of Liability

Public & Products Liability Insurance


$20 Million

Umbrella Liability Insurance


$30 Million

Excess Umbrella Liability Insurance

AT 0014694 UMB QBE Insurance

$50 Million in excess of $50 Million

Policy Wording Zurich Australian Insurance Limited follow form Excess Liability Policy

(PCUS-00029-2006) (As expiring)

Endorsements Molestation Exclusion

Professional, Treatment risk and Medical Malpractice Insurance


Comprehensive Crime

Underwriter Chubb Insurance Company of Australia Ltd & QBE Insurance (Australia) Ltd Policy Number 93296349 Insured Any Diocese or any incorporated or unincorporated Body or any Association

of the Anglican Church of Australia as declared to Insurers including The Primate of the Anglican Church of Australia, The Metropolitan for each Province, Anglican Defence Force Chaplains, Anglican Defence Force Chaplaincy, Defence Force Anglican Chaplains’ Inc. and/or associated and/or affiliated bodies deemed to be insured by any Diocese or entity already an insured under this policy whether incorporated or unincorporated including National Insurance Programme Committee and Manager or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers, Lay Ministers and Contract Workers for their respective rights and interests or their joint and several liabilities. The interest of other parties is automatically included where required by them or where the Diocese has agreed to do so.

Principal Organisation Diocese of Brisbane Diocese of Perth

Diocese of Gippsland Diocese of North Queensland

Diocese of Grafton Australian College of Theology

Diocese of Melbourne Diocese of Riverina

Diocese of Newcastle

The Business Principally but not limited to religious organisations and affairs incidental thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, property owners/occupiers and the like and any other occupation incidental thereto.

Territorial Limits World wide.

Period Of Insurance From 4.00 p.m. on 31st October 2013 ) Local


Policy Wording Aon Chubb Crime Insurance Wording plus Guaranteed Renewal Endorsement


Endorsement Guaranteed Renewal

Limits of Liability Deductible

A. Employee Theft Coverage $5,000,000 $1,000,000

B. Premises Coverage $5,000,000 $1,000,000

C. In Transit Coverage $5,000,000 $1,000,000

D. Forgery Coverage $5,000,000 $1,000,000

E. Computers Fraud Transfer $5,000,000 $1,000,000

F. Funds Transfer Fraud Coverage $5,000,000 $1,000,000

G. Counterfeit Currency Fraud Coverage $5,000,000 $50,000

H. Credit Card Fraud Coverage $5,000,000 $50,000

I. Identity Fraud Coverage $250,000 $50,000

J. Client Coverage $5,000,000 $50,000

K. Expenses Coverage $10,000 Nil

L. Crisis Costs Expense Coverage $25,000 Nil


Motor Vehicle

Underwriter Vero Insurance Ltd Policy Number MSL 071341823



The interest of other parties is automatically included where required by them or where the Diocese has agreed to do so












































Kellock Lodge






Geographical Limits Anywhere within the Commonwealth of Australia and during transport by sea, land or air between any places in the Commonwealth of Australia

Limit(s) Of Liability Section 1 Market Value or Sum Insured whichever is the lesser

Section 2 $30,000,000

Basic Excess Vehicles located in the Northern Territory

$500 each and every claim

EPIC Vehicles - $2,000 each and every claim

Trinity College North Qld Volvo Bus 1% of sum insured minimum $500 each and every claim

All Other Vehicles $400 each and every claim

Age & Inexperienced Excesses

Nil

Windscreens Nil

Policy Wording Vero Motor Fleet Policy PDS (V4703 V7 01/12/11A)

Endorsements As per Schedule


Contract Works



Chaplaincy, Defence Force Anglican Chaplains‟ Inc. and/or associated and/or affiliated bodies deemed to be insured by any Diocese or entity already an insured under this policy whether incorporated or unincorporated including National Insurance Programme Committee and Manager or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers, Lay Ministers and Contract Workers for their respective rights and interests or their joint and several liabilities. The interest of other parties is automatically included where required by them or where the Diocese has agreed to do so.












































Kellock Lodge







Interest Insured As per policy wording

Territorial Limits As per the specified Worksite within the Commonwealth of Australia

Period of Risk As per the Policy Wording

Maintenance/Defects Liability Period

As per the Policy Wording

Limits of Liability A. Section 1 - Material Loss Or Damage

$ 5,000,000 .

B. Section 2 – Liability

$20,000,000 any one Occurrence.

Deductible A. Section 1 - Material Loss Or Damage

The Insured shall bear the first amount of each claim or series of claims arising out of any one original source or cause as follows:

Named Cyclones $2,000

All Other $ 500

Should more than one Deductible apply under Section 1 of this Policy for any claim or series of claims arising from the one original source or cause, such Deductibles shall not be aggregated and the highest single level of Deductible only shall apply. Provided that only losses exceeding the particular Deductible applicable shall be taken into account in determining the application of this clause.

B. Section 2 – Liability

The Insured shall bear the first amount of each claim or series of claims arising out of any one Occurrence.

Injury and Advertising Injury $Nil

Damage $250

In the event both injury to persons and damage to property occurs out of the one Occurrence only one Deductible shall apply whichever is the highest

Endorsements Nil

Policy Wording ANIP Contract Works Policy Wording 2012-2013_2204 2013 v1.0


Business Travel

Underwriters Ace Insurance Limited 55% AIG 30% Zurich Insurance 15% Policy Number AZTVL000353QLD Insured Any Diocese or any Incorporated or Unincorporated Body or any

Association of the Anglican Church of Australia as declared to insurers including the Primate of the Anglican Church of Australia, The Metropolitan for each province, Anglican Defence Force Chaplains’ Inc all associated and/or all affiliated bodies deemed to be insured by any Diocese of Entity already an insured under this policy whether incorporated or unincorporated including national insurance program committee and manager or as now or as may be herein after constituted and their officers, contract workers, employees, voluntary workers, minister and lay ministers for their respective rights and interest or their joint and several liabilities.

The interest of other parties is automatically included where required by

them or where the Diocese has agreed to do so. The Business Principally but not limited to religious organisations and affairs incidental

thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, Recording Studio, out of uniform Defence Chaplaincy, Students whilst performing work experience, Employment Agencies, Registered Builder, Property Owners/Occupiers Suppliers of Products and Services including Insurance, Accounting and Software and the like and any other occupation incidental thereto.

Covered Person(s)/ Categories: Any Covered Person travelling on authorised business of the Diocese, a

parish, body or organisation covered by the policyholder including their Spouse and accompanying Dependent Children.

Scope of Cover: Cover under this policy applies whilst a Covered Person is engaged in a

journey (as defined) undertaken on the Policyholders business, including any incidental private travel.


Journey: Journey shall mean any trip involving interstate or overseas travel or intrastate provided the intrastate journey involves travel by air or an overnight stay. Authorised business travel shall also include associated holiday travel. Such cover shall start from the time of leaving home or normal place of business (whichever is left last) and continue until arrival back at home or normal place of business (whichever is reached first). Every day commuting shall not be regarded as a journey on the business of the Policyholder. The maximum duration of any one trip shall be 180 days. Furthermore "journey" shall be extended to mean any authorised study leave undertaken by a Covered Person provided such leave involves overseas travel. Authorised study leave shall also include associated holiday travel provided such travel is overseas. Such cover shall start from the time of leaving home or normal place of business (whichever is left last) and continue until arrival back at home or normal place of business (whichever is reached first). Everyday commuting shall not be regarded as a Journey on the business of the Policyholder. The maximum duration of any on trip shall be 90 days.

Period of Insurance From: 4.00 PM on 31

st October 2013 Local Standard Time

To: 4.00 PM on 31st October 2014 Local Standard Time

Schedule of Benefits Sum Insured as per Table of Conditions – Each Covered Person SECTION 1: Personal Accident and Sickness

Categories

Part A Table of Events Lump Sum Benefits Injury resulting in Surgery

Events 1-19

Dependent Children

5 x Salary to

$25,000

$20,000

Part B Weekly Benefits Injury

Excess Period (Days) % of Salary Parts B & C

$600 14 100

Part C Weekly Benefits Sickness

Excess Period (Days) Sickness resulting in Surgery

$600 14 $10,000

Parts D & E Injury resulting in Fractured Bones

Injury resulting in Dental Procedures

$3,000 $2,000


SECTION 2: Kidnap and Extortion

Categories Maximum Per Event

A $250,000

SECTION 3: Hijack and Detention

Categories Daily Benefit Legal Costs

A to C $300 $20,000

SECTION 4: Medical and Additional Expenses and Cancellation and Curtailment Expenses

Categories Medical Expenses Excess

Unlimited Nil

Cancellation / Curtailment Expenses

Excess

Unlimited Nil

Funeral Expenses Continuous Worldwide Bed Confinement

$20,000 $100

SECTION 5: ACE Assistance

Categories Included

A to C Yes

SECTION 6: Loss of Deposits

Categories Sum Insured Excess

$20,000 Nil


SECTION 7: Baggage, Business Property, Electronic Equipment and Money / Travel Documents

Categories Baggage/Business Property

Excess Limit any one Item

$20,000 Nil $5,000

Electronic Equipment

Excess

$20,000 $250

Deprivation of Baggage

$3,000

Money / Travel Documents

Excess

$4,000 Nil

SECTION 8: Alternative Employee / Resumption of Assignment Expenses

Categories Sum Insured

$10,000

SECTION 9: Personal Liability


$5,000,000

SECTION 10: Rental Vehicle Excess Waiver


$5,000

SECTION 11: Extra Territorial Workers Compensation (any one accident)

Categories Weekly Benefits Damages at Common Law

Aggregate Limit of Liability

$1,000 $1,000,000 $1,000,000


SECTION 12: Missed Transport Connection


$5,000

SECTION 13: Overbooked Flight


$2,500

SECTION 14: Political & Natural Disaster Evacuation

Categories Annual Aggregate Maximum Per Person

$100,000 $20,000

SECTION 15: Search & Rescue Expenses

Categories Annual Aggregate Maximum Per Person

$100,000 $20,000


Any One Period of Insurance : $5,000,000

Non-Scheduled Aircraft : $1,000,000

Endorsements OVERSEAS VISITORS It is hereby noted and agreed this Policy is extended to include overseas

visitors to Australia and Papua New Guinea whilst on short term treks and whilst assigned to the Anglican Board of Mission. Maximum duration will be ninety (90) days.

NON SCHEDULED AIRCRAFT Non Scheduled Flights by Reverend Chris Yule on behalf of the North

Queensland Diocese are allowed subject to an Aggregate Limit of Liability of $1,000,000

Cover for Declared Diocese/Entities is allowed subject to an Aggregate

Limit of Liability of $1,000,000


WAR COVERAGE EXTENSION It is hereby noted and agreed that, notwithstanding anything contained in

the Policy to the contrary, with respect to Covered Persons on a Journey to or within Australia or their Country of Residence, or any of the following countries; Afghanistan, Chad, Chechnya, Cote d'Ivoire (Ivory Coast), Democratic Republic of Congo, Iraq, Israel, Somalia, Sudan, and in the event that War or Civil War breaks out in one of these, Cover is extended under this Policy for that Covered Person for the first forty-eight (48) hours of the War or Civil War breaking out, after which time all cover with respect to War or Civil War shall cease, unless We have been notified and agreed in writing to extend coverage for the duration of the Covered Person's Journey. An additional premium may be charged upon each declaration.

HOME / CAR MODIFICATION EXPENSES If a Covered Person suffers a Bodily Injury whilst engaging in the

Voluntary Work of the Policyholder, resulting in the payment of a benefit under Part A, Events 2-9 of the Policy, and as a result of the Bodily Injury, the Covered Person requires Home, Workplace and/or Car modifications in order to assist the Covered Person in maintaining an independent existence, We will pay for such expenses incurred up to a maximum of $10,000 with respect to any one (1) Bodily Injury.

MEDICAL AND ADDITIONAL EXPENSES - SECTION 4 It is hereby noted and agreed that the Exclusion in respect of Section 4 -

Medical and Additional Expenses relates only to those expenses for which a Medicare benefit is or would be payable.


Voluntary Workers

Underwriters Ace Insurance Limited 55% AIG 30% Zurich Insurance 15% Policy Number AZGPA000219QLD Insured Any Diocese or any Incorporated or Unincorporated Body or any

Association of the Anglican Church of Australia as declared to insurers including the Primate of the Anglican Church of Australia, The Metropolitan for each province, Anglican Defence Force Chaplains’ Inc all associated and/or all affiliated bodies deemed to be insured by any Diocese of Entity already an insured under this policy whether incorporated or unincorporated including national insurance program committee and manager or as now or as may be herein after constituted and their officers, contract workers, employees, voluntary workers, minister and lay ministers for their respective rights and interest or their joint and several liabilities.

The interest of other parties is automatically included where required by

them or where the Diocese has agreed to do so. The Business Principally but not limited to religious organisations and affairs incidental

thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, Recording Studio, out of uniform Defence Chaplaincy, Students whilst performing work experience, Employment Agencies, Registered Builder, Property Owners/Occupiers Suppliers of Products and Services including Insurance, Accounting and Software and the like and any other occupation incidental thereto.

Period of Insurance From: 4.00 PM on 31

st October 2013 Local Standard Time

To: 4.00 PM on 31st October 2014 Local Standard Time

Covered Person(s)/ Categories: Category A This policy covers all Voluntary Clergy and Lay Voluntary Workers

between 7 and 95 years of age anywhere in the world, whilst actually engaged in:


1. Any voluntary activity officially organised or authorised by the Policyholder

2. Any voluntary activity associated with joint ventures (with other denominations)

Category B

Applicable to the Diocese of Brisbane Only – Persons undertaking work on behalf of the Policyholder and not defined as a worker under Section 11 of the Workcovers Compensation and Rehabilitation Act 2003 – QLD

Category C

Jobcare, Work Experience and similar programs organised by the Policyholder including EPIC Employment Services Inc, persons undertaking work experience, job care and similar programs where the funding bodies (Program Sponsors) have not provided Personal Accident Insurance ** Please note – this does not include Voluntary Work Experience via Centrelinks Work for the Dole and mutual obligations schemes. ** Category D

Applicable to all Covered Persons undertaking voluntary work (work

experience) for a policyholder via Centrelink’s work for the dole and mutual obligations schemes

Category E Year 8-12 Students of any Anglican Church School in Australia engaged

in work experience activities. Scope of Cover: In respect of Category A Covered Persons the cover applies to those

insured events suffered by an Covered Person whilst actually engaged in voluntary work including necessary direct travel to and from such work or arising out of or during a journey (as defined hereunder) as per to the work undertaken on the Policyholder business, provided that the policy shall only apply in respect of such work officially organised by or under the control of the Policyholder.

In respect of Category B Covered Persons the cover applies to those

insured events suffered by an Covered Person whilst actively engaged in work on behalf of the Diocese of Brisbane including necessary direct travel to and from such work arising out of or during a journey (as defined hereunder) undertaken on the Policyholder’s Business provided that the policy shall only apply in respect of such work officially organised by or under the control of the Policyholder

In respect of Category C Covered Persons the cover applied to those

insured events suffered by a policyholder whilst actually engaged in work experience scope is extended to:

1. On the providers premises


2. Undertaking employment activities that the provider has directed them to do, including but not limited to, training, research into employment in local libraries, market research and

3. Travelling by the most direct route between:

a) the providers premises and the eligible job seeks home or Centrelink following referral;

b) the providers premises and job interviews; and

c) eligible job seekers home and job interviews, following referral by the provider

Provided that the policy shall only apply in respect of such work experience officially organised by or under the control of the Insured In respect of Category D Covered Persons the cover applied to those insured events suffered by an Covered Person whilst undertaking voluntary work (work experience) for an Insured via Centrelinks work for the dole and mutual obligation scheme. Including direct travel to and from such activities provided that the policy shall only apply in respect of such work experience officially organised by or under the control of the Policyholder In respect of Category E Covered Persons the cover applies to those insured events suffered by an Covered Person whilst on authorised and approved work experience programmes including travel to and from the location and travel incidental to the occupation.

Age Limit: 7 to 95 years of age Schedule of Benefits Sum Insured as per Table of Conditions – Each Insured Person SECTION 1: Personal Accident and Sickness

Categories

Part A Table of Events Lump Sum Benefits Excess Period

A, B & C Only Events 1-19 $250,000 Not Applicable

D Events 1-19 $100,000 Not Applicable

Surgical Benefits – Injury

Events 20-24 Not Insured Not Applicable

Part B Table of Events Lump Sum Benefits Excess Period

A & B Only Event 25-26 $2,000 Nil Days

Benefit Period 156 weeks


Student Tutorial Costs

All Categories $200 per week 7 Days

Benefit Period 104 weeks

Funeral Benefits All Categories $5,000

Non-Medicare Expenses

All Categories $10,000


Any One Period: $2,000,000

Non-Scheduled Aircraft: $100,000

NON-MEDICARE MEDICAL EXPENSES If during the Period of Insurance and whilst on the voluntary work of the Policyholder, a Covered Person suffers from an Injury, We will pay the Non-Medicare Medical Expenses incurred up to the amount shown on the Schedule against Non-Medicare Medical Expenses. DEFINITIONS UNDER NON-MEDICARE MEDICAL EXPENSES NON-MEDICARE MEDICAL EXPENSES means: (a) expenses incurred within twelve (12) months of sustaining an Injury; and (b) expenses paid by a Covered Person or by the Policyholder for Doctor, Physician, Surgeon,

Nurse, Physiotherapist, Chiropractor, Osteopath, Hospital and/or Ambulance services for the following treatments:

· Medical · Surgical · X-ray · Chiropractic · Osteopathic · Physiotherapy · Hospitalisation · Nursing

But excludes: Dental Treatment, unless such treatment is necessarily required, to teeth other than dentures and is caused by the Injury referred to in (a) above, and · Services for which the Covered Person or Policyholder is eligible to receive Medicare benefits. CONDITIONS APPLYING TO NON-MEDICARE MEDICAL EXPENSES 1. Any benefit payable is less recovery made from any Private Health Insurance Fund. 2. No benefit is payable in respect of the Medicare gap between payment made by Medicare and charges incurred.


FUNERAL EXPENSES It is hereby noted and agreed that where a Covered Person suffers an Accidental Death this Policy extends to cover the expenses of burial or cremation OR the cost of returning the Covered Person's body or ashes to their country and/or state of residence up to a maximum of $ 5,000. agreement and the agreement of the Covered Person’s Doctor. Compensation under this provision will be limited to the actual costs incurred not exceeding $500 per month and will be payable for a maximum of six (6) months. HOME/CAR MODIFICATION EXPENSES If a Covered Person suffers a Bodily Injury whilst engaging in the voluntary work of the Policyholder, resulting in the payment of a benefit under Part A, Events 2–9 of the Policy, and as a result of the Bodily Injury the Covered Person requires home, workplace and/or car modifications in order to assist the Covered Person in maintaining an independent existence, We will pay for such expenses incurred up to a maximum of $10,000 with respect to any one (1) Bodily Injury.


Marine Transit

Underwriter Vero Insurance Ltd Policy Number MTD011526052

Insured Any Diocese or any incorporated or unincorporated Body or any

Association of the Anglican Church of Australia as declared to Insurers

including all associated and/or affiliated bodies deemed to be insured by

any Diocese whether incorporated or unincorporated or as now or as may

be herein after constituted and their Officers, Employees, Voluntary

Workers, Ministers and Lay Ministers for their respective rights and

interests or their joint and several liabilities

The Business Principally but not limited to religious organisations and affairs incidental thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, property owners/occupiers and the like and any other occupation incidental thereto



Or The Period of Insurance applicable to the particular Insured stated in the Schedule of the Policy issued to that Insured.


Interest Insured House Hold Goods and Personal Effects

Conveyances Road, rail, air, sea and/or post Voyages

Voyages (a) Inland: From Australia wide To Australia Wide

(b) Imports: From World Wide To Australia Wide

(c) Exports: From Australia Wide To World Wide

Excluding Abkhazia, Afghanistan, Angola, Armenia, Azerbajan, Burundi, Cambodia, Chechnia, Colombia, Eritrea, Guinea-Bissau, Iraq, Iran, Indonesia other than the island of Java, Israel, Palestinian Authority, Pakistan, Liberia, Nigeria, Rwanda, Sierra Leone, Sri Lanka, Democratic Republic of Congo, Zimbabwe, Somalia, Yemen


Basis of Valuation Replacement Value (up to 10 Years Old)

Limit of Liability Inland $ 250,000 any one conveyance or location

Import $ 250,000 any one conveyance or location

Export $ 250,000 any one conveyance or location

Excess Nil

Policy Wording Vero – Household Removals Insurance PDS and Policy Wording – All Risks cover

Endorsements Cover in storage to a max of 90 days

Imports and Exports As declared – Premium calculated on rate of 2.5% of sum insured and

payable at time of transit


Claims Procedures

General

This section is designed to provide assistance in procedures to be followed in the event of any incident

that might give rise to a claim occurring under any of your insurance policies.

All claims (except where otherwise agreed and noted herein) are to be reported immediately to ANIP.

To enable the processing of the claim without delay and to minimise the possible damage or injury

incurred, it is important that the following action be taken.

1. All reasonable steps should be taken following an accident or loss to protect the property or

person from any further damage or injury.

2 Subject to the procedure for dealing with simple claims which is set out in Section 3.5, any

incident which may give rise to a claim should be immediately reported to ANIP to avoid any

potential for denial of liability from insurers alleging late notification.

3 Any loss by theft and/or wilful or malicious damage should be immediately reported to the

nearest Police station.

4 Comply with the relevant claims procedure specific to the class of insurance for which the

claim applies to.

5 Complete the correct claim form and attach all associated claims documents. ANIP will

provide you with the relevant claim form upon notification of the claim.

6 Forward claim documentation including any supporting papers without delay to ANIP

For Motor Vehicle Claims please follow the procedures as outlined on page 46.


Industrial Special Risks

Property (Material) Damage

Generally, such claims relate to loss or damage to your property which may involve events such as fire,

storm, explosion, flood, theft/burglary, malicious damage, etc.

Where there has been loss or damage to your property:

1. Take all reasonable steps to protect property from any further loss or damage.

2. Call the Police or other Emergency Services as required. Any loss by theft or wilful or

malicious damage should immediately be reported to the nearest Police Station and details of

the attending Police noted.

3. If you suspect that the loss or damage may exceed the policy deductible, notify ANIP

immediately of the details of the claim (e.g. description of incident, amount of loss, etc.).

ANIP will then provide further instructions on how to handle the claim.

4. Where required, complete a Claim Form and all claims documents as soon as possible after

the occurrence whilst memory of the incident is still fresh in the minds of all concerned.

5. Ensure full cooperation with the Loss Adjuster appointed by your insurer.

Business Interruption (BI)

This section relates to the consequential loss of profits that may occur as a result of a material damage

loss, covered under the Industrial Special Risks policy.

In the event of a loss, the following steps should be taken:

1. Inform ANIP of a potential BI Loss.

2. Consider appointing a claim preparation agent to represent your interests in:

stimating loss,

exploring appropriate loss mitigation initiatives,

establish a plan to prepare claims for the purpose of restoring cash flow,

assist in managing and responding to requests raised by the insurer’s appointed Loss Adjuster,

collate necessary information required by the Loss Adjuster.

3. Set up separate ledger accounts to capture all additional costs.

4. Copy all related invoices and create separate files for the purpose of substantiating any

claim.

5. Inform all sales staff to record details of sales orders placed which cannot be met due to

interruption.


6. Do all things reasonably practicable to minimise interruption to business.

General and Products Liability

Under No Circumstances Must Liability Be Admitted Either Verbally Or In Writing.

Upon the happening of any incident likely to give rise to a claim, the following points must be noted:

1. All reasonable steps should be taken following an accident or loss to protect the person or

property from any further injury.

2. Advice must be forwarded to ANIP, together with originals of all correspondence received

from a third party and any other supporting documentation (e.g. incident report)

3. Where an Incident Report is to be completed, bear in mind the following:

Be Discreet – Do not complete the Incident Report in front of the injured person. This may

signal that an insurance claim may be possible.

Be Specific – Remember, the report you write may be forwarded to your insurer for

assessment and evaluation purposes and may be admitted as evidence in court. Be specific

and comprehensive in your details.

Provide Full Details – Detail (no matter how trivial it may seem at the time), is the most

essential component of your Report. In most instances, if the claim ever reaches a court of

law, it may be several years down the track. Nobody will remember the specifics unless you

write them down at the time of the Report.

4. No correspondence should be entered into with a third party except acknowledgement of

receipt of the claim. The acknowledgement letter should read as follows:

"Without Prejudice"

We acknowledge receipt of your correspondence concerning an incident at [Location]. This

is receiving our attention.

5. Do not give any interview or make any statement to a Loss Adjuster or other person

investigating any accident or damage unless such person is acting on behalf of your insurer.


“Claims Made” Policies

This section provides guidance on the procedure for notifying a claim or circumstances that might give

rise to a claim under “Claims Made” policies.

The following policies are generally underwritten on a “Claims Made” basis:

Directors’ and Officers’ Liability/Company Reimbursement Insurance,

Management Liability Insurance,

Professional Indemnity Insurance,

Crime/Fidelity Insurance,

Trustees’ Liability Insurance,

Employment Practices Liability Insurance.

The trigger of “claims made” policies is the date an Insured or its representative first becomes aware that

a potential claim may be made as a result of an alleged breach or an alleged error or omission.

This is different from other policies (e.g. General Liability, Property) which operate on an “occurrence”

basis where the trigger is the date on which the incident giving rise to the claim occurred.

“Claims Made” policies typically contain an exclusion which provides that the policy will not cover claims

where the claim or circumstance was known to the Insured prior to the inception of the policy.

Such policies also require that the claim or circumstances which may give rise to a claim in the future, be

notified to the insurer within the currency of the policy, as a pre-condition to indemnity.

In effect (and subject to Section 54 of the Insurance Contracts Act), there is no cover for anything known

before the policy period or for anything which is known to the Insured during the policy period but not

notified to insurer during the policy period.

Aon strongly recommends that all facts and/or known circumstances that may have the potential to give

rise to a claim in the future be notified within the current period of insurance.

Notifiable Matters

The following provides a practical guide as to notifiable matters:

1. Claims:

civil proceedings or written demand against the Company and/or individual insured seeking damages e.g. letter of demand alleging breach of employment practices duty,

criminal proceedings against the Company and/or an individual insured e.g. charge of breach of Occupational Health & Safety Act,

administrative or regulatory proceedings e.g. notice of proceedings for breach of Corporations Law regulations.


2. Circumstances:

awareness of conduct which may give rise to civil proceedings e.g. through allegations of breach of employment practices,

awareness of conduct which may have breached laws and which may result in criminal proceedings against an Insured and its representatives,

awareness of a breach of regulations which may give rise to administrative or regulatory proceedings.

3. Securities Claim:

written demand against the Insured seeking damages, e.g. alleging inadequate disclosure in a company document.

4. Representation at investigations and examinations:

receipt of notice (written or oral) that a representative of the Company and/or individual Insured is required to attend or appear at an official investigation, examination or inquiry into the affairs of the Company.

Notification Procedure

When an employee or officer becomes aware of a potential Claim or Circumstances:

1. Immediately advise the responsible staff member or department so that appropriate

notification can be given to ANIP

2. Information forming part of the initial notification:

brief synopsis or overview of the facts,

intended course of action contemplated by the Insured in establishing the exposure of any Insured Person and/or the Company in terms of liability and quantum,

any additional information available in support of notification.

3. When dealing with an initial complaint or potential claim, it is imperative that the Insured

and/or its Representatives does not admit liability and does not make any offer of settlement

nor incur defence costs without seeking prior approval and consent from Insurer(s). To do so

could be construed as a failure to comply with policy conditions and has the potential to

prejudice Insured’s position under the relevant policies.

4. Complete Insurer’s Claim Forms where required.


Motor Vehicle Fleet Insurance

In the event of the unfortunate circumstance that your motor vehicle is damaged or stolen please contact

Vero Claims First Response Unit on 1800 222 043 and advise the operator that you are driving a vehicle

covered by policy number MSL071341823.

This can be done at the scene of the accident if you have a mobile phone. It will take approximately 10

minutes and the operator will talk you through the claim and take all details. They will also manage the

repair process and expedite settlement of your claim and arrange a Contact Relationship Plan.

The First Response Unit is open to take calls 24 hours a day/7 days a week. If you do not make the call

from accident scene, make it as soon as possible thereafter. If this is completed straight away it will

not be necessary to complete any further claim forms.

AT THE SCENE OF THE ACCIDENT:

1. Ensure your safety, the safety of others and of the vehicle(s) and belongings.

2. DO NOT ADMIT ANY LIABILITY.

3. Comply with Police reporting requirements.

4. If another vehicle(s) or other person(s) property is involved, obtain:

(i) The owner’s names, address and telephone number.

(ii) The driver’s name, address, telephone number and if applicable license number.

(iii) The name of the owner’s insurance company.

(iv) The make, type and registration number of the vehicle(s).

(v) The name and address of any witnesses and who they will be a witness for.

5. As soon as possible contact your superior and advise them of the accident and the action you

have taken.


Corporate Travel

Overseas Emergency Assistance

Travel Emergency Cards has been issued by your Corporate Travel insurer and can be obtained from

Aon.

These cards contain a reverse charge telephone number (as follows) which will allow a traveller to access

emergency assistance:

61 2 8907 5995

Reverse Charge

Emergency assistance may include one or more of the following services but only if they are considered

necessary and organised by your insurer’s Emergency Assistance service:

repatriation by the most appropriate method including, if necessary, the use of air services. Repatriation will be to the most suitable hospital or to the Insured Person's home address,

payment of evacuation expenses, including necessary expenses incurred for qualified medical staff to accompany an Insured Person,

payment of other emergency assistance expenses,

worldwide 24 hour telephone access,

emergency travel assistance,

emergency medical evacuation,

medically supervised repatriation,

assistance in replacing a lost or stolen passport,

legal assistance,

interpreter access and referral,

compassionate visit if travelling alone and hospitalised for more than a week,

assistance in tracing delayed or lost luggage, and

payment of approved medical services by claims process or redirection of hospital accounts.


All Other Claims (Non-Emergencies)

1. Where there has been loss or theft/burglary of luggage, personal effects, travel documents,

laptop computers, money and credit cards, report the loss to the local police or responsible

officer of any airline or vessel on which you are travelling. A copy of the police report or the

airline’s acknowledgment and their reply for compensation must be retained and forwarded to

your ANIP

2. Complete the Corporate Travel Claim Form and attach additional supporting documentation

such as:

quotes for replacement baggage,

overseas medical invoices,

invoices/receipts for emergency purchases of clothing etc.,

documentation to support curtailed travel due to illness (e.g. doctors certificate and travel invoices to verify amount claimed),

confirmation from airline, hotel and/or police if items are lost or stolen.

Forward the completed Claim Form, together with all supporting documentation directly to ANIP together with a short covering summary outlining brief circumstances of the claim.

Personal Accident

In the event of injury, an Insured Person must:

1. Follow medical advice from a legally qualified and registered medical practitioner as soon as

possible after sustaining the injury.

2. Complete the relevant Claim Form and forward it directly to the insurer without delay.

3. Undergo any medical examination by a doctor appointed by the insurer if required.

4. Provide the insurer with any additional information which they may require about the claim

e.g. doctors’ report.

When lodging a claim, an Insured Person must advise the insurer of any other insurance that may cover the same injury.


Marine Transit

1. Should insured goods be received in a damaged condition or if there is any reason to suspect

damage, the attention of the Carrier's or Shipper's Representative should be immediately

drawn to same and the delivery receipt claused accordingly.

2. In the event of suspected damage, it is suggested that the receipt be claused "Goods

believed to be damaged. Accepted subject to survey in store".

3. If there has been any malicious damage, burglary or theft, the police should be notified.

4. A letter of claim should be immediately lodged with the Carrier or Shipping Company's Agent

holding them responsible. The following is a sample letter of demand:

Dear

We are the owners of machinery/stock which was damaged whilst in transit from [ ] to [

] on [Date].

Since you were the carrier/shipper, we are holding you responsible for the loss.

We are claiming payment of $[Amount] from you which is the cost of repair / reinstatement

as shown on the enclosed invoice.

Please make payment within seven days from the date of this letter.

Yours faithfully,

5. Notify ANIP of the loss or damage and provide an estimate of repair or replacement cost.

This notification will enable ANIP to notify the insurer and arrange for a surveyor if required.

6. Send the completed claim form to ANIP together with the following documentation:

supplier’s invoice,

bill of lading or consignment note,

claim on Carrier and reply,

delivery receipt,

original freight note or carbon copy,

details of possible salvage,

any other relevant documentation.


Stallholders

Accident Reporting and Investigation

You must report to your insurer all accidents and incidents involving third parties, including:

All serious bodily injury incidents including concussions:

Any injury involving a fractured/broken bone;

Any injuring requiring serious medical attention, ie stitches;

Any incident requiring an ambulance to be called;

Damage to property of a third party:

Any incident involving an aggressive customer who makes mentioned 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 need to be reported to Proclaim for immediate assessment.

First Aid and What Should You Do After A Customer Incident

Provide a high standard or 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 Report

Complete 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 not

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

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 www.proclaim.com.au

Username: clubsonline

Password: direct

Workers’ Compensation

When an employee sustains an injury as a result of an accident arising out of or in the course of his or her

employment:

1. The particulars of the injury must be reported to the employee’s supervisor.

2. Details of the incident must be recorded in the appropriate Register and the appropriate

Workers Compensation claim form must be completed.

3. The claim form and incident must then be reported to the appropriate insurer or claims agent.

4. In the event of a serious accident where there may be a possibility of Common Law action

against the Company, the Company Secretary or other designated officer must be advised

immediately.

http://www.proclaim.com.au/


Aon Client Promise

The Aon Client Promise is the way Aon Risk Services, as a global firm spanning 26,000 colleagues, 500

0ffices and 120 countries, consistently articulates the full scope of value and impact we deliver to clients.

The Aon Client Promise outlines the 10 benefits clients can expect when partnering with Aon businesses

and how Aon is uniquely positioned to provide best in class services and solutions in each.

Through an on-line Assessment we will ask you to rank the importance of each of the following elements

to your business and ask how well we are currently performing.

Based upon this feedback, your Client Relationship Manager will draft a Plan for delivering on each of

these and improving our performance where necessary

1. A FOCUS ON OPTIMIZING YOUR TOTAL COST OF RISK

Understanding and quantifying your risks is a vital step toward managing them effectively. Aon’s

distinctive approach to program design, unmatched broking strength, customized Aon Total Cost of Risk

Assessment and the suite of Aon eSolutions products provide clients with the most comprehensive view

of their organization’s total cost of risk so they can make the best decisions possible.

2. A PROGRAM DESIGNED ENTIRELY AROUND YOUR NEEDS

Great advice starts with a deep understanding of our clients’ business challenges and opportunities. The

Aon Client Promise methodology ensures your business’ unique priorities and needs are addressed with

flexible solutions that deliver value to your business.

3. A DEDICATED TEAM AND A WORLD OF RESOURCES

Providing you with a deep team of experienced, talented professionals who know you and your business

at all levels ensures you get the right solutions from our unsurpassed global capabilities. Aon invests in

training and developing our 26,000 team members around the client-centric values of the Aon Leadership

Model.

4. LOCAL ACCESS TO THE BEST MARKETS IN THE WORLD

The right market for your risk may be local to you, or a global player. Aon’s Broking Centres of

Excellence, the largest-owned network in the world, and in-depth market security expertise lets you

access the right markets, anywhere in the world, through a local point of contact. In addition, Aon’s

proprietary services, like Aon Alerts and the Aon Situation Room, provide you with access to rating

information and insightful commentary on significant market events directly online as they unfold.

5. CONSTANT INVESTMENT IN NEW IDEAS AND SOLUTIONS

Our investment in innovation is based on the needs and issues of our clients. By listening to clients, we

create new tools and services that ensure our clients see new risks coming and don’t face them with old

solutions. The Aon Centre of Innovation and Analytics in Dublin, Ireland is the industry’s only facility 100

percent focused on risk research, development and administration, where our teams work to solve the

most complex risk-related issues.


6. THE STRENGTH OF THE WORLD’S LEADING BROKER ON YOUR SIDE

Whatever your size, as an Aon Risk Services client you have the advantage of support from the world’s

leading broker. We place more premium with carriers and secure more claims payments from them than

any other broker. We measure carrier performance through the Aon Carrier Performance Survey, and if

issues arise, we have a defined process that helps ensure quick resolution. Going beyond insurance, our

Aon Global Risk Consulting colleagues bring practical solutions to reduce, transfer or finance risks that

remain.

7. POWERFUL BENCHMARKING

Differentiating your program and delivering the right terms and conditions for your needs requires a fact-

based understanding of your current risks relative to your peers. We use the most comprehensive data in

the industry, including our proprietary Aon Global Risk Insight Platform (Aon GRIP) that captures

thousands of transactions daily across the Aon network to benchmark your risks.

8. INDUSTRY-LEADING SERVICE WHEREVER YOU NEED IT

Industry-leading service means more than just efficiently executing your risk program. We’re honoured

that our clients, through third-party surveys like Business Insurance and Euromoney, regularly vote us

best in class. With more offices worldwide than any other broker (more than 500 offices in more than 120

countries), and the Aon Client Promise methodology as our compass, we deliver a consistently high

standard of service wherever you are.

9. YOUR FEEDBACK DRIVES OUR PERFORMANCE

What you think of our services is the most important measure of our success. We combine systematic

client surveys using the Aon NPS program with personal conversations to actively seek your feedback

twice each year. Your input is key to how we manage, develop and reward our teams.

10. OPEN AND HONEST DIALOGUE ABOUT THE VALUE WE ADD TO YOUR

BUSINESS

Delivering distinctive value to you is our core focus. We believe the value we create for you is the

measure of our worth. The Aon Client Promise plan, including your customized Aon Total Cost of Risk

Assessment, provides you with the most transparent view of the services you receive for the price you

pay.


About Aon

Aon Corporation (NYSE: AON) is the leading global provider of risk management services, insurance and

reinsurance brokerage, and human capital consulting. Through its more than 36,000 colleagues

worldwide, Aon delivers distinctive client value via innovative and effective risk management and

workforce productivity solutions. Aon's industry-leading global resources and technical expertise are

delivered locally through more than 500 offices in more than 120 countries. Named the world's best

broker by Euromoney magazine's 2008, 2009 and 2010 Insurance Survey, Aon also ranked highest on

Business Insurance's listing of the world's largest insurance brokers based on commercial retail,

wholesale, reinsurance and personal lines brokerage revenues in 2008 and 2009. A.M. Best deemed Aon

the number one insurance broker based on brokerage revenues in 2007, 2008 and 2009 and Aon was

voted best insurance intermediary, best reinsurance intermediary and best employee benefits consulting

firm in 2007, 2008 and 2009 by the readers of Business Insurance. For more information on Aon, log onto

aon.com.

Copyright 2010 Aon Inc.

Insurance and Claims Manual Anglican National Insurance...

Documents

Transcript of Insurance and Claims Manual Anglican National Insurance...