Care Service Insurance & Risk Solutions

Child Care Services

Child Care service providers need to have suitable protection to cover common risks for property assets such as fire and accidental damage, financial loss and also protection for people including carers, volunteers and most importantly children in you care. Ansvar provides you with the peace of mind that your childcare business is well protected.

If you require specialist insurance for your kindergarten, preschool, creche or other forms of child care, Ansvar is here to help by customising an insurance and risk solution that is specific to your business needs and requirements.

Risk Support to Help You Protect Your Child Care Business

Over recent years, there has been significant change in Australia’s child care sector, particularly with the government introducing The National Quality Framework (NQF) – essentially, Australia’s system for regulating early learning and school age care.

With these changes, there is now a new range of tools and resources available to the sector such as improved quality and reporting systems, incident reporting/management, staff credentialing and more effective on-boarding and induction programs. Ansvar’s experience providing support and expert guidance to child care businesses means we can help guide you on the most suitable tools and resources for your needs.

Our ERM team can assist you with access to a diverse range of sector-specific tailored risk management and solutions for family day care insurance and provide expert advice and useful tools for the protection of your child care business. Learn More

Disability Care Services

It goes without saying that disability centres, carers and support workers provide essential care that allows their clients to achieve a happier, more productive day-to-day routine and a more fulfilling lifestyle.  From assisting with tasks like shopping and running errands to encouraging involvement in group activities and pursuing hobbies, clients place their trust in disability care professionals.

Whether you are a business that provides disability care or a centre that employs disability care professionals (including non-paid volunteers), Ansvar has created specific insurance packages that are tailored to cater for your disability care insurance needs.

Our insurance includes everything from attendant and domestic care, to transitional/post-acute care, respite care, transportation assistance and more. Our team of experienced underwriting and risk specialists will help design a tailored disability care insurance package providing optimal protection specific to your organisation.

The National Disability Insurance Scheme (NDIS) has drastically improved the way that services for people living with a disability are funded, designed and delivered. As the scheme continues to adapt and evolve in order to best facilitate the disability care sector, our ERM Team is meticulous about adapting our risk management tools and resources to assist Disability Care service providers better manage and mitigate risks they face on a daily basis. Learn More

Allied Health Care Services

Whether  a nurse, dentist, physical therapist, occupational therapist, physician’s assistant, medical technician or otherwise, Allied healthcare professionals provide an essential service within our community and importantly help to improve people’s lives on a daily basis.

There are however, many risks on a daily basis for allied health care professionals.  At Ansvar, we are very aware of the potential risk exposure for both individual workers and businesses operating in this sector and have therefore developed specifically tailored a Allied Health Service Insurance package that includes:

• General Public & Product Liability Insurance
• Volunteers Personal Accident Insurance
• Property Insurance – Commercial Premises
• Business Interruption Insurance
• Crime Cover
• Glass Breakage
• Breakdown of Mechanical & Electronic Equipment
• General Property Insurance

Industrial Special Risks

Ansvar’s Industrial Special Risks Insurance (ISR) provides Material Damage cover and Consequential Loss cover for medium to larger Care organisations including child care facilities, aged care facilities, disability services and retirement villages with insurable asset values over $10 million.

This policy is designed to protect physical assets, including buildings, stock, plant and machinery and other property for losses from fire and perils, burglary, theft, loss of money, glass breakage and mechanical breakdown.

General Public & Products Liability

Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party.  Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring.  In the event that the organisation is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party. 

Sexual Abuse Cover

Offered as an extension within the Public and Products Liability policy, Ansvar’s Sexual Abuse Cover protects your organisation against allegations of sexual abuse committed by either an employee or volunteer against a member of the public whilst in your care.

The cover is offered to organisations with robust risk management procedures in place and offers peace of mind for a serious risk which is very real for organisations that provide care to vulnerable people including children, the disabled and the elderly. 

Management Liability

Management Liability Insurance protects you and your organisation against operational risks and exposures. 

It is a packaged executive protection insurance policy that typically includes:

• Entity Liability
• Directors and Officers Liability
• Entity Reimbursement
• Employment Practices Liability
• Trustees Liability
• Statutory Liability
• Internet Liability
• Entity Crisis Cover

It is designed to protect an organisation, its directors and officers and employees against actions brought by:

• Regulators
• Employees
• Competitors
• Creditors
• Shareholders (especially minority shareholders)
• Clients

Most common types of claims under Management Liability Insurance:

• Breaches of director’s duties and/or fiduciary duties, including breach of trust
• False, misleading conduct by directors/officers and
• Actions alleging improper and illegal conduct
• Statutory breach of duty i.e. under legislation
• OH & S prosecutions and inquiries
• Employment: unfair/wrongful dismissal, discrimination, harassment, wrongful failure to employ or promote
• Defamation by directors/officers
• Breach of intellectual property rights by directors/officers
• Employee theft, including theft of money and property
• Statutory fines & penalties.
• Taxation investigation cost

Professional Indemnity

Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:

• Claims preparation costs
• Continuous cover
• Court attendance costs
• Good Samaritan acts
• Indemnifiable fines and penalties
• Investigations and inquiries
• Joint venture
• New subsidiaries
• Public relations expenses
• Run-off cover
• Spousal liability
• Vicarious liability