Aged Care Workers are social workers who work for the betterment and welfare of older people.
Why do Aged Care Workers need professional indemnity insurance?
Main responsibilities of Aged Care Workers include:
- Providing mental health services
- Providing counseling services including helping clients to identify problems and possible solutions
- Conducting needs assessments (i.e. residential placement, finance, safety)
- Assisting clients with attaining resources that fit their needs including the provision of financial assistance when required
- Monitoring needs fulfillment and needs development
- Developing appropriate programs and service
- Providing general support services
Aged Care Workers needs to be very efficient and careful in performing their duties. In the event an Aged Care Worker is negligent, Professional Indemnity Insurance and Public Liability Insurance will contribute towards both legal fees incurred in defending a claim and any damages payable.
Public Liability Insurance for Aged Care Workers
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Key exposures for Aged Care Workers:
- Negligence in providing mental health services
- Negligence in providing support services
- Failure in developing appropriate programs and services
- Negligence in counseling clients
- Wrong advice given to clients
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.