Product Information
Tailored for the Recruitment Industry with customised terminology and extensions and providing the benefit of three essential insurances in one package – broad general liability, professional liability and management liability insurances. The Package provides complete flexibility with each coverage as optional allowing a choice between one, two or all three insurances. This product is suitable not only for recruitment agencies, but also for labour-hire companies, contractor management firms and group training organisations.
Policy Features
Section 1 – General Liability Coverage
- Advertising Liability
- Personal Injury
- Property Damage
- Property Owners / Tenants Liability
- Vicarious Liability
- Property in care, custody, control to $250,000
- Vehicles in care, custody, control to $250,000
- On-Hired Contractors Extensions (available)
Section 2 – Professional Liability Coverage
- Breach of Professional Duty
- Contractual Liability
- Defamation
- Intellectual Property Infringement
- The Australian Consumer Law breaches
- Dishonesty
- Claims Preparation Costs and Court Attendance Costs
to a combined sub-limit of $250,000 - Consultants and Agents (Insured’s liability)
- Continuous Cover
- Inquiry Costs
- Joint Venture Liability
- Loss of Documents
- Public Relations Costs to $10,000
- Reinstatement of Limit
- Run Off Cover
Optional Extensions:
- Fidelity to $250,000
- On-Hired Contractors cover
- On-Hired Medical Services cover
- On-Hired Services cover
- Previous Business cover
- Costs in Addition Limit of Indemnity
Available:
- Costs in Addition Limit of Indemnity
- Costs Exclusive Excess
Management Liability Coverage
- Directors’ and Officers’ Liability
- Insured Organisation Reimbursement
- Insured Organisation Liability
- Crisis Cover to $50,000
- Employment Practices Liability – sub-limited (optional)
- Third Party Discrimination or Sexual Harassment to $250,000 (optional)
- Fidelity to $500,000 (optional)
- Trustees’ Liability – sub-limited (optional)
- Internet Liability to $100,000 (optional)
- Tax Audit Costs – sub-limited (optional)
- Advancement of Defence Costs
- Attendance Costs to $10,000
- Continuous Cover
- Emergency Defence Costs to $50,000
- Extended Reporting Period – up to 24 months
- Former Subsidiaries
- Fraud Investigation Costs to $25,000 (optional)
- Joint Venture Liability
- New Subsidiaries
- OH&S Defence Costs – Insured Persons
- OH&S Official Investigations and Defence Costs – Insured
- Organisation – to $500,000
- Outside Entity Directorships
- Pollution Defence Costs to $1,000,000
- Preservation of Indemnity
- Protection of Assets and Liberty to $50,000
- Public Relations to $50,000
- Reinstatement for Directors’ and Officers’ – sub-limited
- Retired Directors’and Officers’ Run-Off Cover
- Run-Off Coverage
- Statutory Liability to $1,000,000
