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
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“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
Aon Risk Solutions | Corporate Risk Services 1
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.
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Communication Portal
Day to Day Contacts
Risk Management & Insurance Dept Eric Schreiber
T: +61 3 9653 4229
F: +61 3 9653 4268
Risk Management & Insurance Dept Ralph Halnon
T: +61 3 9653 4220
F: +61 3 9653 4268
Service Executive Aimee Caldwell
T: +61 7 3223 7408
F: +61 7 3223 7531
Executives
Risk Management & Insurance Manager Matthew Wilson
T: +61 3 9653 4207
F: +61 3 9653 4295
M: +614 08 630 532
Client Relationship Manager Michael Hambleton
T: +61 7 3223 7554
F: +61 7 3223 7531
M: +614 12 591034
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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.
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Insurance Program Program Summary Class of Insurance Underwriter Policy Limit(s) Deductible(s)
Industrial Special Risks Ansvar Insurance Limited
Various as per policy schedule
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
Various as per 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
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
Various as per policy schedule
AIG 30%
Zurich 15%
Marine Transit Vero Insurance Ltd Various as per policy schedule
Nil
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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
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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.
All Souls St Gabriel’s School
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.
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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
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- 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
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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
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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
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
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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 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
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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
Anglicare North Queensland Ltd
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.
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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
Anglicare Central Queensland Ltd
$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
Anglican Diocese of Canberra & Goulburn
$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
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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
Anglican Diocese of Melbourne
$990,545,866 $16,438,242 $1,006,984,108 0.04% $402,794
Anglican Diocese of Newcastle
$543,931,549 $63,000,133 $606,931,682 0.04% $242,773
Anglican Diocese of North Queensland
$300,208,784 $59,060,000 $359,268,784 0.05% $179,634
Anglican Diocese of North West Australia
$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
Anglican Riverina Diocese Trust
$76,719,000 $13,986,000 $90,705,000 0.04% $36,282
Anglican Diocese of Rockhampton
$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
Anglican Diocese of The Murray
$47,531,655 $705,000 $48,236,655 0.06% $28,942
Anglican Diocese of The Northern Territory
$35,477,000 $1,790,000 $37,267,000 0.07% $26,087
Anglican Diocese of Wangaratta
$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
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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
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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.
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
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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.
All Souls St Gabriel’s School
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
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
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.
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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.
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
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Management Liability
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.
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
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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.
All Souls St Gabriel’s School
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.
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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:
- Cathedral College, Wangaratta: $40,000,000.
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
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:
- Cathedral College, Wangaratta: $40,000,000.
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
Limits of Liability A. $10,000,000 any one claim, but limit any one claim in respect of the following declared entities altered to:
- 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.
Excess $5,000 any one claim
Insuring Clause 3.4 – Employment Practices Liability Insurance
Retroactive Date 31 December 1995
Limits of Liability A. $2,000,000 any one claim, but limit any one claim in respect of the following declared entities altered to:
- Anglican Diocese of Ballarat: $NIL (cover not taken)
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- Anglican Board of Mission: $NIL (cover not taken)
- The Council of the Mother’s Union of Australia: $NIL (cover not taken).
B. $4,000,000 in the aggregate any one period of insurance.
Excess Insured Entity: $5,000 any one claim
Insured Individual: Nil
Insuring Clause 3.5 – Trustees Liability Insurance
Retroactive Date 31 December 1990
Limits of Liability A. $1,000,000 any one claim, but limit any one claim in respect of the following declared entities altered to:
- 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. $2,000,000 in the aggregate any one period of insurance.
Excess Insured Entity: $1,000 any one claim
Insured Individual: Nil
Insuring Clause 3.6 – Statutory Liability Insurance
Retroactive Date 31 December 2000
Limits of Liability A. $2,000,000 any one claim, but limit any one claim in respect of the following declared entities altered to:
- 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. $4,000,000 in the aggregate any one period of insurance.
Excess Insured Entity: $5,000 any one claim
Insured Individual: Nil
Insuring Clause 3.7 – Internet Liability Insurance
Retroactive Date 31 December 2009
Limits of Liability A. $1,000,000 any one claim, but limit any one claim in respect of the following declared entities altered to:
- 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. $2,000,000 in the aggregate any one period of insurance.
Excess Insured Entity: $5,000 any one claim
Insured Individual: Nil
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Insuring Clause 3.8 – Entity Crisis Insurance
Retroactive Date 31 December 2009
Limits of Liability A. $250,000 any one claim, but limit any one claim in respect of the following declared entities altered to:
- 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. $500,000 in the aggregate any one period of insurance.
Excess $5,000 any one claim
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
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Public & Products Liability
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.
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
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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.
All Souls St Gabriel’s School
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.
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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
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Umbrella Liability
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.
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
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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.
All Souls St Gabriel’s School
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.
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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
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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.
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
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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.
All Souls St Gabriel’s School
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
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.
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
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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.
Declared / Diocese / Entities
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
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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
01.025.0230046(80) Ansvar 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
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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
Declared / Diocese / Entities
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
Anglicare Central Queensland Ltd
Anglicare North Queensland Ltd
GFS Australia Limited
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)
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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
To 4.00 p.m. on 31st October 2014 ) Time
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
01.025.0230046(80) Ansvar Insurance
$20 Million
Umbrella Liability Insurance
01.025.0230046(80) Ansvar 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
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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
To 4.00 p.m. on 31st October 2014 ) Time
Policy Wording Aon Chubb Crime Insurance Wording plus Guaranteed Renewal Endorsement
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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
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Motor Vehicle
Underwriter Vero Insurance Ltd Policy Number MSL 071341823
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
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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.
All Souls St Gabriel’s School
Christ the King Anglican College
Trinity Anglican College (Baranduda)
Trinity Anglican College (Thurgoona)
Defence Force Anglican Chaplains
Kellock Lodge
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.
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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
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Contract Works
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.
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
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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.
All Souls St Gabriel’s School
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.
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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
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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.
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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
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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
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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
Categories Sum Insured
$5,000,000
SECTION 10: Rental Vehicle Excess Waiver
Categories Sum Insured
$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
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SECTION 12: Missed Transport Connection
Categories Sum Insured
$5,000
SECTION 13: Overbooked Flight
Categories Sum Insured
$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
Aggregate Limit of Liability
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
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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.
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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:
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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
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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
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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
Aggregate Limit of Liability
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.
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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.
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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
Period Of Insurance a) From 4.00 p.m. on 31st October 2013 ) Local
To 4.00 p.m. on 31st October 2014 ) Time
Or The Period of Insurance applicable to the particular Insured stated in the Schedule of the Policy issued to that Insured.
b) Any subsequent period for which the Insured shall pay or agree to pay and the Insurers shall agree to accept a renewal premium.
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
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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
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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.
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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.
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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.
Aon Risk Solutions | Corporate Risk Services 60
“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.
Aon Risk Solutions | Corporate Risk Services 61
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.
Aon Risk Solutions | Corporate Risk Services 62
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.
Aon Risk Solutions | Corporate Risk Services 63
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.
Aon Risk Solutions | Corporate Risk Services 64
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.
Aon Risk Solutions | Corporate Risk Services 65
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.
Aon Risk Solutions | Corporate Risk Services 66
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!
Aon Risk Solutions | Corporate Risk Services 67
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.
Aon Risk Solutions | Corporate Risk Services 68
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.
Aon Risk Solutions | Corporate Risk Services 69
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.
Aon Risk Solutions | Corporate Risk Services 70
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.
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