Health & Aged Care Insurance

 

EBM provides Aged Care insurance programs to cover Managers, Owners and Board Members of not-for-profit, private aged care facilities and Retirement Villages and Retirement Homes.  We can assist with risk management solutions for Nursing Homes, Aged Care Hostels, Allied Health care, Disability and Residential Care facilities face a variety of risks.

 

Nursing Home Insurance

  • Business Interruption covers Nursing Homes for a gross profit loss resulting from a disruption to your business by an insured incident such as storm damage, theft or fire.
  • Broadform Liability Insurance refers to Public & Products Liability that covers bodily injury and property damage arising from Nursing Home activities and from products manufactured, imported or sold.
  • Management Liability covers the cost of defending directors, managers and employers of Nursing Homes against any claims that are the result of their actions or decisions.
  • Directors & Officers Liability damages following a wrongful act committed by the directors or officers of a company.
  • Employment Practices Liability covers employment related issues such as wrongful dismissal, sexual harassment and discrimination of Nursing Home employees.
  • Statutory Liability protects companies and individuals against liability for Statutory Fines and Penalties which result from unintentional or accidental breaches of Aged Care Industry Legislation.
  • Workers’ Compensation covers Nursing Homes in case of accidental employee injury whilst at work.
  • Property (including Theft, Money & Glass) covers your nursing home in case of theft, attempted theft, armed hold up or the accidental or intentional breakage of glass.
  • Machinery & Electronic Breakdown cover protects against cost of sudden and unforeseen mechanical and electrical breakdown of equipment such as air conditioners, refrigeration units and washing machines. This can also include general office equipment such as phone system and computers. It also covers the deterioration of frozen goods following a breakdown. 
  • Fidelity Guarantee covers the Misappropriation of Money, Negotiable Instruments or Goods caused directly by any act of fraud or dishonest by an employee.
  • Professional Indemnity covers damages & pure economic loss arising from the professional activities of an organisation.  Usually penalties for faulty advice, failure to act, faulty design and the like.
  • Voluntary Workers Personal Accident covers weekly wages, specified out of pocket expenses and a capital benefit in the event of a permanent disability for your volunteers, who may be injured in the course of the year while providing assistance to the Nursing Homes on a voluntary basis.

 

Insurance for Care Workers

  • Public Liability covers bodily injury and property damage arising from care workers activities.

 

Insurance for Home Care Providers

  • Professional Indemnity covers damages & pure economic loss arising from the professional activities of an organisation.  Usually penalties for faulty advice, failure to act, faulty design and the like.
  • Voluntary Workers Personal Accident covers weekly wages, specified out of pocket expenses and a capital benefit in the event of a permanent disability for your volunteers, who may be injured in the course of the year while providing assistance to the organisation on a voluntary basis.
  • Management Liability covers the cost of defending directors, managers and employers of Home Care Providers against any claims that are the result of their actions or decisions.
  • Directors & Officers Liability damages following a wrongful act committed by the directors or officers of a company.
  • Business Interruption covers Home Care Providers for a gross profit loss resulting from a disruption to your business by an insured incident such as storm damage, theft or fire.
  • Workers’ Compensation covers Home Care Providers in case of accidental employee injury whilst at work.
  • Broadform Liability Insurance refers to Public & Products Liability that covers bodily injury and property damage arising from Home Care Providers activities and from products manufactured, imported or sold.
  • Employment Practices Liability covers employment related issues such as wrongful dismissal, sexual harassment and discrimination of Home Care employees.
  • Statutory Liability protects companies and individuals against liability for Statutory Fines and Penalties which result from unintentional or accidental breaches of Aged Care Industry Legislation.
  • Fidelity Guarantee covers the Misappropriation of Money, Negotiable Instruments or Goods caused directly by any act of fraud or dishonest by an employee.

 

Car Insurance for Care Workers

  • Our motor vehicle insurance team will research the most suitable car insurance policies for Care Workers with your vehicle type and driving requirements (e.g., work or family or both, long distance or city driving, vehicle age etc.), and make sure you get exactly the cover you need.
    • Compulsory Third Party (CTP) offers protection against claims for compensation if you injure or kill someone in a motor vehicle accident.
    • Third Party Fire and Theft in addition to covering damage to the property of others provides some limited cover for your own car if it is damaged or lost because of fire or theft.
    • Third Party Property covers the cost to repair damage caused by your car to other people’s property. It will also cover your legal costs if they sue you over that damage.
    • Comprehensive covers everything in the lesser insurance options and it also covers you for accidental damage to your own car, regardless of who caused the damage. Comprehensive also has a range of optional extras, including replacement vehicles while you can’t drive your own car and no-excess windscreen replacement if you have a crash.

EBM are your claims advocate and can act on your behalf if the time arises that you need to make a claim.

Contact our experienced Aged Care Industry Insurance brokers today by filling in the contact form or calling us on 1300 467 873.

Key Contacts

Specialists in this area include:

 

Andy Dyson

WA, NT

Andy Dyson

Executive Account Manager

email Andy

Christopher Traill

QLD

Christopher Traill

Executive Account Manager

email Chris

Richard Jane

NSW, ACT

Richard Jane

Executive Account Manager

email Richard

Ben Woodham

VIC, SA & TAS

Ben Woodham

Executive Account Manager 

email Ben


Quick Contact Form

EBM are able to provide a wide range of services, many of these will require a professional to contact you to discuss precise requirements.

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