Insurance and Claims Manual Anglican National Insurance Program

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Aon Risk Solutions Corporate Risk Services Insurance and Claims Manual Anglican National Insurance Program 31 October 2013 to 31 October 2014 November 2013 Confidentiality Notice This report contains information
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Aon Risk Solutions Corporate Risk Services Insurance and Claims Manual Anglican National Insurance Program 31 October 2013 to 31 October 2014 November 2013 Confidentiality Notice This report contains information which is confidential to Anglican National Insurance Program and Aon Risk Services Australia Limited (Aon). Accordingly, we trust you will understand this report is given to Anglican National Insurance Program and its officers and employees in confidence and may not be reproduced in any form or communicated to any other person, firm or company without the prior approval of Aon. Privacy Notice The Aon Group of companies have always valued the privacy of personal information. When Aon collect, use, disclose or handle personal information, Aon will be bound by the Privacy Act 1988 (the Act ). Aon collect personal information to offer, provide, manage and administer the many financial services and products we and our group of companies are involved in. These include insurance broking and claims management, risk management consulting, and other forms of insurance services (including underwriting of insurance products and reinsurance), employee benefits, premium financing, superannuation and investment advisory services. Aon also collect it to be able to develop, establish and administer alliances and arrangements with other organisations in relation to the promotion, administration and use of our respective products and services. Aon disclose personal information to third parties who we believe are necessary to assist us in providing the relevant services and products to our clients. For instance, we disclose personal information to the relevant product provider and their representatives, our agents and contractors and related companies. We limit, however, the use and disclosure of any personal information provided by us to such third parties for the specific purpose for which it was supplied. When you give Aon personal information about other individuals, we rely on you to have made or make them aware that you will or may provide their personal information to us, the types of third parties we may provide it to, the relevant purposes we and the third parties we disclose it to will use it for, and how they can access it. If it is sensitive information we rely on you to have obtained their consent on these matters. If you have not done either of these things, you must tell us before you provide the relevant information. If you collect, use, disclose or handle personal information on our behalf, or receive it from us, you and your representatives must meet the relevant requirements of the National Privacy Principles set out in the Privacy Act 1988 (Cth) and you must only use such information for the specific agreed purpose(s). If you would like a copy of the Aon Privacy Policy, or wish to seek access to or correct the personal information we collected or disclosed about you, please telephone or your Aon representative or access the Aon website Complaints Dispute Resolution If you have a concern about a service that Aon have provided, you should contact your Aon representative or your local Aon office. If your complaint is not satisfactorily resolved, you should contact Aon s National Complaints Manager on (02) or put your complaint in writing to: National Complaints Manager Aon Risk Services Australia Limited GPO Box 4189 Sydney NSW 2001 If you are not satisfied with the outcome determined by the National Complaints Manager, you may contact the Insurance Brokers Dispute Limited by calling Alternatively, if your concern is with the insurer or the calculation of a claim payment, you may contact the Insurance Enquiries and Complaints Limited by calling Table of Contents Introduction 1 Communication Portal 2 AonLine 3 Insurance Program 4 Program Summary 4 Industrial Special Risks 5 Professional Indemnity 16 Management Liability 19 Public & Products Liability 24 Umbrella Liability 27 Hirers Liability 30 1 st Excess Liability 32 2nd Excess Liability 34 Comprehensive Crime 36 Motor Vehicle 38 Contract Works 41 Business Travel 44 Voluntary Workers 50 Marine Transit 55 Claims Procedures 57 General 57 Industrial Special Risks 58 General and Products Liability 59 Claims Made Policies 60 Motor Vehicle Fleet Insurance 62 Corporate Travel 63 Personal Accident 64 Marine Transit 65 Stallholders 66 Workers Compensation 67 Aon Client Promise 68 About Aon 70 Introduction The Insurance and Claims Manual has been compiled by ANIP & Aon Risk Services (Aon) to provide a broad outline of your Insurance Program and to offer general information and assistance in understanding the various insurances which have been arranged on your behalf and the steps and procedures to be followed in the event of claims arising under the program. ANIP s role in the claims management process, as regards above deductible claims, is as follows: to submit, regularly follow up and negotiate settlement of above deductible claims, to assist in the resolution or conduct of difficult or contentious claims with underwriter and re-insurers where required, claims administration, including collection of insurance proceeds and proactive follow-up of outstanding claims until finalisation, provision of status reports on above deductible claims, and to maintain records of paid and outstanding claims for underwriting disclosure and inclusion in renewal submissions. The Insurance Program section of the manual contains a brief description of individual insurances. It should not however be treated as a replacement for the relevant policy documents. Each policy should be carefully read and, in particular, note taken of the description in the policy of the coverage thereby provided as well as the exclusions and policy conditions these should not in any way be regarded as being fully or accurately described in the manual. 1 Communication Portal Day to Day Contacts Risk Management & Insurance Dept Risk Management & Insurance Dept Service Executive Eric Schreiber T: F: Ralph Halnon T: F: Aimee Caldwell T: F: Executives Risk Management & Insurance Manager Client Relationship Manager Matthew Wilson T: F: M: Michael Hambleton T: F: M: AonLine AonLine your risk Information Portal which provides you with access to all your essential insurance documentation. Each ANIP Member has a personal login. Should you have any questions in regards to access to AonLine please contact Aimee Caldwell at Aon. 3 Insurance Program Program Summary Class of Insurance Underwriter Policy Limit(s) Deductible(s) Industrial Special Risks Professional Indemnity Management Liability Ansvar Insurance Limited Ansvar Insurance Limited Ansvar Insurance Limited Various as per policy schedule $25,000,000 any one claim and $50,000,000 in total Various as per the policy schedule Various as per policy schedule $5,000 each and every claim Various as per policy schedule Public & Products Liability Ansvar Insurance Limited $20,000,000 any one occurrence and the aggregate Clause 2 Nil Except Cannon Hill Anglican College Foundation limited - $2,000 Umbrella Liability Ansvar Insurance Limited $30,000,000 in excess of $20,000,000 $10,000 1 st Excess Liability QBE Insurance (Australia) Limited 2 nd Excess Umbrella Zurich Australian Insurance Limited $50,000,000 in excess of $50,000,000 $20,000,000 in excess of $100,000,000 Nil Nil Hirers Liability Ansvar Insurance Limited $2,000,000 Nil Comprehensive Crime Vero Insurance Ltd Various as per policy schedule Various as per policy schedule Comprehensive Motor Vehicle Vero Insurance Ltd Section 1 Market Value or Sum Insured whichever is the lesser $500 Basic Excess Section 2 $30,000,000 Contract Works Ansvar Insurance Limited $5,000,000 Material Loss or Damage $250 Business Travel Voluntary Workers Ace Insurance 55% AIG 30% Zurich 15% Ace Insurance 55% AIG 30% $20,000,000 Liability Various as per the policy schedule Various as per policy schedule Various as per policy schedule Various as per policy schedule Zurich 15% Marine Transit Vero Insurance Ltd Various as per policy schedule Nil 4 Industrial Special Risks Underwriter Ansvar Insurance Limited Policy Number The Insured Any Diocese or any incorporated or unincorporated Body or any Association of the Anglican Church of Australia as declared to Insurers including The Primate of the Anglican Church of Australia, The Metropolitan for each Province, Anglican Defence Force Chaplains, Anglican Defence Force Chaplaincy, Defence Force Anglican Chaplains Inc. and/or associated and/or affiliated bodies deemed to be insured by any Diocese or entity already an insured under this policy whether incorporated or unincorporated including National Insurance Programme Committee and Manager or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers, Lay Ministers and Contract Workers for their respective rights and interests or their joint and several liabilities. The interest of other parties is automatically included where required by them or where the Diocese has agreed to do so. Declared / Diocese / Entities Anglican Diocese of Adelaide Anglican Diocese of Armidale Anglican Diocese of Ballarat Anglican Diocese of Bathurst Anglican Diocese of Bendigo Anglican Diocese of Brisbane Anglican Diocese of Bunbury Anglican Diocese of Canberra & Goulburn Anglican Diocese of Gippsland Anglican Diocese of Grafton Anglican Diocese of Melbourne Anglican Diocese of Newcastle Anglican Diocese of North Queensland Anglican Diocese of North West Australia Anglican Diocese of The Northern Territory Anglican Diocese of Perth Anglican Riverina Diocese Trust Anglican Diocese of Rockhampton Anglican Diocese of Tasmania Anglican Diocese of The Murray Anglican Diocese of Wangaratta 5 Anglican Diocese of Willochra Anglican Board of Mission Anglicare Central Queensland Ltd Anglicare North Queensland Ltd Australian College of Theology Ltd Anglican Aged Care Services T/as Benetas General Synod of the Anglican Church All Souls St Gabriel s School EPIC Employment Services Inc GFS Australia Limited Good Shepherd Nursing Home Melbourne Anglican Foundation Limited St Johns Village Wangaratta Society of St Francis Association Inc The Council of the Mothers Union in Australia Inc. All Souls St Gabriel s School Christ the King Anglican College Trinity Anglican College (Baranduda) Trinity Anglican College (Thurgoona) Defence Force Anglican Chaplains Kellock Lodge Anglican Cursillo Movement of Australia (ACMA) National Secretariat The Business Principally but not limited to religious organisations and affairs incidental thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, Recording Studio, out of uniform Defence Chaplaincy, Students whilst performing work experience, Employment Agencies, Registered Builder, Property Owners/Occupiers Suppliers of Products and Services including Insurance, Accounting and Software and the like and any other occupation incidental thereto. Period Of Insurance a) From 4.00 p.m. on 31 st October 2013 ) Local To 4.00 p.m. on 31 st October 2014 ) Time b) Any subsequent period for which the Insured shall pay or agree to pay and the Insurers shall agree to accept a renewal premium. 6 Covering Loss, destruction of or damage to the Property Insured as a result of an insured peril, including loss resulting from interruption or interference to the business, all as defined in the policy. Interest Insured Section 1 Material Loss or Damage All real and personal property of every kind and description belonging to the Insured or for which the Insured is responsible or has assumed responsibility to insure prior to the occurrence of any damage including all such property in which the Insured may acquire an insurable interest during the period of insurance. Section 2 Consequential Loss Loss of Gross Profit (as defined) as a result of a reduction in turnover and/or increase in cost of working resulting from loss, destruction or damage caused by an Insured Peril as per Section 1. Loss of Gross Revenue (as defined) and/or increase in cost of working resulting from loss, destruction or damage caused by an Insured Peril as per Section 1. Loss of Gross Rentals (as defined) and/or increase in cost of working resulting from loss, destruction or damage caused by an Insured Peril as per Section 1. Situation and/or Premises Limits of Liability Anywhere in Australia where the Insured has property or carries on business, has goods or other property stored or being processed or has work done, including contract sites. The amount(s) set out hereunder represent the Insurer(s) maximum Limit(s) of Liability any one loss or series of losses at any one Situation arising out of any one original source or cause subject to any Sub-Limit(s) of Liability specified elsewhere in the Policy and the Schedule. Combined Sections 1 and 2: Anglican Diocese of Adelaide $ 80,000,000 Anglican Diocese of Armidale $ 25,000,000 Anglican Diocese of Ballarat $ 20,000,000 Anglican Diocese of Bathurst $ 65,000,000 Anglican Diocese of Bendigo $ 35,000,000 Anglican Diocese of Brisbane $ 85,000,000 - St John s Cathedral (Excluding Webber, St Martins and Church House) $ 280,000,000 - Anglican Church Grammar School $ 195,000,000 - All Saints Grammar $ 155,000,000 - The Glennie School $ 89,000,000 7 - St Pauls School $ 135,000,000 - Canterbury College $ 130,000,000 - St Hilda s School $ 125,000,000 - The Southport School $ 215,000,000 - West Moreton College $ 100,000,000 Anglican Diocese of Bunbury $ 25,000,000 Anglican Diocese of Canberra-Goulburn $ 55,000,000 Anglican Diocese of Gippsland $ 20,000,000 Anglican Diocese of Grafton $ 80,000,000 Anglican Diocese of Melbourne $ 85,000,000 - St Paul s Cathedral and Chapterhouse, Melbourne $ 130,000,000 Anglican Diocese of Newcastle $ 75,000,000 - Christ Church Cathedral $ 85,000,000 Anglican Diocese of North Queensland $ 65,000,000 - Cathedral School $ 115,000,000 - Trinity Anglican School $ 80,000,000 Anglican Diocese of North West Australia $ 20,000,000 Anglican Diocese of Perth $ 85,000,000 - Law Chambers/ St Georges Cathedral $ 120,000,000 - Mt Newman QBE House, Perth $ 210,000,000 Anglican Riverina Diocesan Trust $ 20,000,000 Anglican Diocese of Rockhampton $ 25,000,000 Anglican Diocese of Tasmania $ 25,000,000 Anglican Diocese of The Murray $ 20,000,000 Anglican Diocese of The Northern Territory $ 20,000,000 Anglican Diocese of Willochra $ 10,000,000 Anglican Diocese of Wangaratta $ 40,000,000 Anglican Board of Mission $ 5,000,000 Benetas, Anglican Aged Care Services t/as $ 55,000,000 Anglicare Central Queensland Ltd $ 20,000,000 Anglicare North Queensland Ltd $ 1,500,000 Australian College of Theology Council Limited $ 3,000,000 EPIC Employment Services Inc $ 15,000,000 General Synod of the Anglican Church $ 1,000,000 8 Limits of Liability The amount(s) set out hereunder represent the Insurer(s) maximum Limit(s) of Liability any one loss or series of losses at any one Situation arising out of any one original source or cause subject to any Sub-Limit(s) of Liability specified elsewhere in the Policy and the Schedule. Combined Sections 1 and 2: Good Shepherd Nursing Home $ 85,000,000 St John s Village (Wangaratta) $ 85,000,000 Society of St Francis Association Inc $ 2,500,000 The Council of The Mothers Union in Australia $ 500,000 All Souls St Gabriel s School, QLD $ 55,000,000 Cathedral College Wangaratta $ 25,000,000 Christ The King Anglican College $ 25,000,000 Trinity Anglican College (Baranduda) $ 25,000,000 Trinity Anglican College (Thurgoona) $ 25,000,000 Defence Force Anglican Chaplains $ 1,000,000 Kellock Lodge $ 20,000,000 Sub-Limit(s) Of Liability The liability of the Insurer(s) shall be further limited in respect of any one loss or series of losses at any one Situation arising out of any one original source or cause as set out hereunder. Sub-Limit(s) Of Liability Section 1 Property Damage Accidental Damage $ 1,000,000 Additional Extra Cost of Reinstatement $ 1,000,000 Boarding Students property (other than money) $ Residents of Aged Care Premises Contents (Any one care facility) 5,000 Any one student 250,000 Any one loss $ 250,000 Boiler & Pressure Vessel Explosion $ 200,000 Burglary and Theft from buildings and the like (other than money insured below) Breakdown of Electronic and/or Machinery, Plant and Equipment (including Fusion) $ 500,000 $ 500,000 Data Processing/Media Breakdown $ 500,000 Data Restoration Costs $ 500,000 Episcopal Regalia including Worldwide transit $ 500,000 Erosion, Subsidence, earth movement or collapse as per Endorsement $ 1,000,000 9 Sub-Limit(s) Of Liability The liability of the Insurer(s) shall be further limited in respect of any one loss or series of losses at any one Situation arising out of any one original source or cause as set out hereunder. Sub-Limit(s) Of Liability Section 1 Property Damage Fidelity Guarantee/Fraud & Dishonesty as per Endorsement 16.7 Computer and Funds Transfer Fraud as per Endorsement 16.8 $ $ 1,000,000 any one claim 2,000,000 In the aggregate Any one period of insurance 1,000,000 any one claim and in the aggregate Any one period of insurance Jewellery, Precious Metals and Stones $ 100,000 Rockeries, trees, shrubs and the like $ 100,000 Loss of Land Value $ Money On premises during business hours, in locked safe or strong room out of business hours and transit including personal custody Money On premises out of business hours not in locked safe or strong room Privately owned items not otherwise insured, including property at fetes, art and craft shows Property (excluding money) in transit anywhere in Australia St Hilary s Anglican Church Kew Property (excluding money) in transit anywhere in Australia All Others Property of directors, employees, council members and Volunteers not otherwise insured 1,000,000 $ 200,000 $ 20,000 $ 250,000 $ 200,000 $ 100,000 $ 5,000 Any one person Spoilage of Stock and Merchandise $ 25,000 Standing timber, growing crops and pastures $ 50,000 Temporary Accommodation Expenses (3.2.6) $ 50,000 Theft of Property in Open Air $ 50,000 Works of Art, Antiques and Curios unless otherwise declared to Insurers Sub-Limit(s) Of Liability Section 2 Consequential Loss: Item 10.3 Additional Increased Cost of Working (not limited to locations covered under Items 10.1 and 10.2) $ 250,000 Per individual works $ 5,000,000 Item 10.5 Accounts Receivable $ 100,000 10 Sub-Limit(s) Of Liability The liability of the Insurer(s) shall be further limited in respect of any one loss or series of losses at any one Situation arising out of any one original source or cause as set out hereunder. Sub-Limit(s) Of Liability Section 2 Consequential Loss: Item 10.6 Claims Preparation Costs $ 1,000,000 Quarantinable Diseases (Aggregate all Insureds) $ 1,000,000 Sub-Limit(s) Of Liability Section 3 Contract Works (Material Damage) All damage to property insured $ 1,000,000 Indemnity Period (Section 2) Mt Newman QBE House, Perth WA All Cathedrals All other situations 72 months 72 months 48 months Primary Deductibles Combined Sections 1, 2 and 3 a) 20,000 or Earthquake, Subterranean Fire or Volcanic Eruption Clergy, volunteers and employees property b) An amount equal to 1% of the total declared values at the situation where the damage occurs, whichever is the lesser NIL All other Claims Anglican Diocese of Adelaide $ 20,000 Anglican Diocese of Armidale $ 10,000 Anglican Diocese of Ballarat $ 10,000 Anglican Diocese of Bathurst $ 20,000 Anglican Diocese of Bendigo $ 10,000 Anglican Diocese of Brisbane $ 20,000 Anglican Diocese of Bunbury $ 10,000 Anglican Diocese of Canberra-Goulburn $ 20,000 Anglican Diocese of Gippsland $ 10,000 Anglican Diocese of Grafton $ 20,000 Anglican Diocese of Melbourne $ 20,000 Anglican Dio
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