Care Services

Care Services

Specialist Insurers for Aged Care, Disability Care, Child Care & Allied Health Care Services

Ansvar provides specialist insurance and risk solutions designed to protect those who specialise in caring for others including Aged Care and Retirement Villages, Child Care,  Disability Care and Allied Health service organisations.

Being an insurer of thousands of Care organisations focused on looking after Australia’s most vulnerable people, Ansvar has an intimate knowledge and understanding about how best to protect and safeguard the needs of carers and vulnerable people. Our Care sector insurance solutions are designed to reflect these complexities with unique policy coverage protecting clients against a range of things including physical and sexual abuse (PSA).

Our specialist risk team enhances our unique proposition and is made up of qualified risk practitioners with direct experience in the Care industry and can assist our customers in understanding, mitigating and managing current and potential risks through our risk consultants, our sector thought leadership, tools and resources.

Risk Management

Care services are being delivered in a rapidly changing environment with increasing regulation, changing models of care and greater consumer choice. Ansvar understands these changes and importantly the risks and challenges experienced by Aged Care, Retirement Village, Disability services and Child Care facilities. From our own experience, we know the key risks in the Care sector comprise four key areas including fire and accidental damage, financial loss, protection of carers and volunteers and protecting the vulnerable in your care.

Fire & Accidental
Damage
Financial Loss
Protecting Carers
& Volunteers
Protecting the
Vulnerable in Your Care

Enterprise Risk Management

Our ERM Solutions

To assist our Care Service customers, Ansvar can provide a range of sector specific risk management services and tools including strategic workshops and online incident reporting software and expert advice and tools for the protection of vulnerable people in care settings.

Care Service Insurance Products

Being an insurer of thousands of Care organisations focused on looking after Australia’s most vulnerable people, Ansvar has an intimate knowledge and understanding about how best to protect and safeguard the needs of carers and vulnerable people. Our Care sector insurance solutions are designed to reflect these complexities with unique policy coverage protecting our clients against such things as physical and sexual abuse (PSA).

We also insure small and large businesses and provide a Business Insurance package product for SME’s and individual products for larger businesses.

 

Care Insurance Business Pack
Industrial Special Risks
General Public & Products Liability
Management Liability
Professional Indemnity
Care Insurance Policy Documents

Care Service Insurance Business Pack

General Public and Product Liability insurance

Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party. Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring. In the event that the organisation is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party.

Physical and sexual abuse cover

Offered as an extension within the General Public and Products Liability policy, Ansvar’s Sexual Abuse Cover protects your organisation against allegations of sexual abuse committed by either an employee or volunteer against a member of the public whilst in your care.

The cover is offered to organisations with robust risk management procedures in place and offers peace of mind for a serious risk which is very real for organisations that provide care to vulnerable people including children, the disabled and the elderly.

Choose the cover that’s right for you. With Ansvar’s General Public and Products Liability insurance you can add additional cover to suit your organisation’s needs.

Management Liability

Management Liability Insurance protects you and your organisation against operational risks and exposures. 

It is a packaged executive protection insurance policy that typically includes:

  • Entity Liability
  • Directors and Officers Liability
  • Entity Reimbursement
  • Employment Practices Liability
  • Trustees Liability
  • Statutory Liability
  • Internet Liability
  • Entity Crisis Cover

It is designed to protect an organisation, its directors and officers and employees against actions brought by:

  • Regulators
  • Employees
  • Competitors
  • Creditors
  • Shareholders (especially minority shareholders)
  • Clients

Most common types of claims under Management Liability Insurance:

  • Breaches of director’s duties and/or fiduciary duties, including breach of trust
  • False, misleading conduct by directors/officers and
  • Actions alleging improper and illegal conduct
  • Statutory breach of duty i.e. under legislation
  • OH & S prosecutions and inquiries
  • Employment: unfair/wrongful dismissal, discrimination, harassment, wrongful failure to employ or promote
  • Defamation by directors/officers
  • Breach of intellectual property rights by directors/officers
  • Employee theft, including theft of money and property
  • Statutory fines & penalties.
  • Taxation investigation cost
Professional Indemnity insurance

Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:

  • Claims preparation costs
  • Continuous cover
  • Court attendance costs
  • Good Samaritan acts
  • Indemnifiable fines and penalties
  • Investigations and inquiries
  • Joint venture
  • New subsidiaries
  • Public relations expenses
  • Run-off cover
  • Spousal liability
  • Vicarious liability
Volunteers Personal Accident Insurance

Ansvar’s Personal Accident cover is designed to provide compensation to volunteers who provide services on behalf of the Insured if they are injured whilst providing those services. Unlike employees, volunteers are not covered under the Insured’s Workers Compensation Insurance Policy. Therefore it is vital that the Insured takes out this cover to protect the volunteers in the event they are injured whilst performing their volunteer duties. The Volunteers Personal Accident cover is a defined event policy, so there is no requirement for the Insured to be negligent in order to claim. It provides an upfront financial benefit in the event that one of the defined events of the policy occurs. It ensures the Insured organisation provides protection to one of its most important assets – its volunteer workforce.

*This cover complements Ansvar’s General Public and Product Liability Insurance policy.

Property Insurance – Commercial premises

This cover provides accidental damage to your insured property at the location(s) where you carry out your operations. Cover applies to the declared property for damage occurring during the period of insurance.

Business Interruption Insurance

Business Interruption Insurance covers you for loss of income and/or increased costs of working as a result of damage occurring during the period of insurance.

Crime Cover

Crime cover protects you for loss of money, burglary or theft of property (other than money), and theft by officials.

Glass Breakage

Glass Breakage covers you for accidental breakage of external and internal glass including leadlight and stained glass.

Breakdown of Mechanical and Electronic Equipment

Machinery Breakdown covers you for breakdowns for equipment such as mechanical equipment, explosion of boilers and pressure vessels.

Electronic Breakdown covers you for the breakdown of electronic equipment, such as computer equipment or point of sale machines, at your location(s).

General Property

General Property covers you for accidental damage caused to specific items that you have elected to insure Australia wide.

Industrial Special Risks

Ansvar’s Industrial Special Risks Insurance (ISR) provides Material Damage cover and Consequential Loss cover for medium to larger Care organisations including child care facilities, aged care facilities, disability services and retirement villages with insurable asset values over $10 million.

This policy is designed to protect physical assets, including buildings, stock, plant and machinery and other property for losses from fire and perils, burglary, theft, loss of money, glass breakage and mechanical breakdown.

General Public & Products Liability

Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party.  Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring.  In the event that the organisation is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party. 

Sexual Abuse Cover

Offered as an extension within the Public and Products Liability policy, Ansvar’s Sexual Abuse Cover protects your organisation against allegations of sexual abuse committed by either an employee or volunteer against a member of the public whilst in your care.

The cover is offered to organisations with robust risk management procedures in place and offers peace of mind for a serious risk which is very real for organisations that provide care to vulnerable people including children, the disabled and the elderly. 

 

Management Liability

Management Liability Insurance protects you and your organisation against operational risks and exposures. 

It is a packaged executive protection insurance policy that typically includes:

  • Entity Liability
  • Directors and Officers Liability
  • Entity Reimbursement
  • Employment Practices Liability
  • Trustees Liability
  • Statutory Liability
  • Internet Liability
  • Entity Crisis Cover

It is designed to protect an organisation, its directors and officers and employees against actions brought by:

  • Regulators
  • Employees
  • Competitors
  • Creditors
  • Shareholders (especially minority shareholders)
  • Clients

Most common types of claims under Management Liability Insurance:

  • Breaches of director’s duties and/or fiduciary duties, including breach of trust
  • False, misleading conduct by directors/officers and
  • Actions alleging improper and illegal conduct
  • Statutory breach of duty i.e. under legislation
  • OH & S prosecutions and inquiries
  • Employment: unfair/wrongful dismissal, discrimination, harassment, wrongful failure to employ or promote
  • Defamation by directors/officers
  • Breach of intellectual property rights by directors/officers
  • Employee theft, including theft of money and property
  • Statutory fines & penalties.
  • Taxation investigation cost

Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:

  • Claims preparation costs
  • Continuous cover
  • Court attendance costs
  • Good Samaritan acts
  • Indemnifiable fines and penalties
  • Investigations and inquiries
  • Joint venture
  • New subsidiaries
  • Public relations expenses
  • Run-off cover
  • Spousal liability
  • Vicarious liability

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For General Enquiries Call

1300 650 540

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Local BDUM