Members Protect Public Liability Insurance Benefit
What is covered?
This is a public liability policy with a limit of indemnity of $20,000,000 (any one loss) providing insurance protection for members of the Flex Work Collective for your liability to third parties, including other members of the Flex Work collective for personal injury or property damage caused while performing activities as a part of your business operations.
Territorial limits of this policy are worldwide excluding North America & Canada.
All elements of cover provided under this benefit are subject to the policy certificate and wording along with all associated flex work collective terms and conditions, and privacy policy, both of which are available to view on our website.
What isn’t covered?
Certain aspects of your potential business liability and other legal exposures are not covered by this policy, such as but not limited to:-
Claims relating directly or directly to any physical company products (other than promotional materials such as fliers etc.)
Claims relating directly or indirectly to Professional Indemnity
Claims relating directly or indirectly to Cyber or associated risks
Claims relating directly or indirectly to any manual work undertaken or services provided
Claims relating directly or indirectly to the use of sub-contractors working on your behalf
Claims relating directly or indirectly to faulty workmanship
Claims arising directly or indirectly from activities undertaken outside the territorial limits of the policy
Claims arising directly or indirectly from any criminal activities, or intentional acts
Claims relating to personal injury or property damage to you or your employees as a result of the actions of you or your employees
Important information
The insurance cover provided to you under this policy meets the terms and conditions of most flexible workspaces in Australia, however your inclusion under this benefit is not provided under general or personal advice, and as such does not take into consideration any details regarding you or your business activities and should not be relied upon as such. If you are unsure as to whether the level of cover provided under this policy is suitable for you or your business, we strongly recommend you speak to a trusted insurance professional.
The Policy Wording and your certificate of currency are available to view on your member dashboard page. Please read and review all documentation carefully to ensure your understanding, along with their accuracy and alignment with your business, its activities, and disclosures, including any endorsements that may have been applied. If you would like to receive a copy of the wording prior to signing up with FWC then please email
hello@flexworkcollective.com.au and we will be happy to assist.
Making a claim
Contact Members Protect in the first instance by emailing:
claim@membersprotect.com.au
Providing:
- Time& date of incident;
- Names and contact details of all parties involved including your own;
- A summary of what happened;
- Were emergency services notified, reference number provided;
- Details of injuries or damage that have occurred;
- Witness details including contact information;
- Photos/video if available.
Members Protect will then contact you to establish next steps within 1 business day.
For further details, including what to do if you are unhappy with Member Protect's claim response or any other aspect of their services please refer to the how to make a complaint section of the policy wording.
More Information
If you have any questions about any aspect of the policy, please feel free to contact the Members Protect team at
enquiry@membersprotect.com.au
This insurance has been arranged by ABC Insurance ABN: 11 661 288 713 AFS License number 543444, as agent of Certain Underwriters at Lloyds
About the Insurer
Insurance is provided by certain underwriters at Lloydshttps://www.lloyds.com/australia
Disclaimer
Nothing contained herein constitutes personal advice, all information is general advice and may not take into account your personal objectives, financial situation and needs.
Complaints
If you have any concerns or wish to make a complaint in relation to this policy, Members Protect services or a claim, please let Members Protect know and they will attempt to resolve your concerns in accordance with their Internal Dispute Resolution procedure:
Complaints Officer
ABC Insurance Pty Ltd
Level 17 Angel Place 123 Pitt Street,
Sydney, NSW, 2000
Or email
complaints@membersprotect.com.au
To see the full complaints process please go to https://www.membersprotect.com.au/complaints
