Authorised business travel
Authorised travel undertaken on behalf of an agency that involves a destination outside a radius of 50 kilometres from the insured person's workplace. Cover commences from the time the insured person leaves their normal residence or workplace (depending on which is the point of departure for the journey), until the insured person returns to their normal residence or workplace (whichever occurs first).
Any demand by a third party against a
participant / participating entity
Any ailment, disorder, defect, or morbid condition, whether of sudden or gradual development.
An excess allows agencies to pay the "first dollars" of a claim payment, and as a result of assuming this risk, pay a lower contribution.
Incident / Occurrence / Accident
An event that will, or has the potential to, give rise to a claim.
Those entities referred to in
Part A of Entities covered by the Fund
and includes, where appropriate, the approved agency-related entities referred to in
The Indemnity and Legal Assistance Panel established to consider an application from a Public Officer for an indemnity and/or legal assistance.
Agencies are liable for
(including economic loss) to a third party caused by:
- the negligent actions of an agency and/or an agency representative acting within the course and scope of his or her employment ("public [general] liability");
- a breach of managerial duties by a director, manager, officer or any other person involved in the management of an agency, or an act or omission in relation to the discharge of their functions as an officer of the agency ("directors and officers liability");
- a breach of the professional duties of an agency or its representative ("professional indemnity");
- any act, error or omission in the provision of medical services ("medical liability"); or
- anything manufactured, serviced, altered or prepared by an agency ("product liability").
Participant / participating entity
Personal Injury (to a third party)
Personal injury to a third party includes:
- bodily injury, death, sickness, disease, disability, shock, fright, mental anguish or mental injury;
- false arrest, false imprisonment, wrongful eviction, wrongful detention or malicious prosecution;
- assault and battery unless committed for the purpose of preventing personal injury or property damage to a third party or for eliminating danger;
- libel, slander or defamation of character; and
- wrongful entry, or invasion of the right of privacy.
If consisting of, or relating to a latent medical condition, Personal Injury to a third party shall be deemed to have happened in respect of each claim at the time when that condition was first medically diagnosed.
Property Damage (sustained by a third party)
Property damage sustained by a third party includes:
- physical loss, damage, destruction, or loss-of-use; and
Rehabilitation services include:
- treatment, training, or other assistance provided to facilitate a worker's rehabilitation;
- the supply of materials or equipment in respect of occupational therapy; and
- any necessary and reasonable modifications required to a worker's workplace, place of residence, or motor vehicle.
Risk management is the process of identifying, assessing and treating risk to minimise the impact of uncertain events.
Weekly income replacement payments
Also referred to as "weekly wages" and "weekly payments", weekly income replacement payments are weekly benefits prescribed under the
Workers Rehabilitation and Compensation Act 1988.