FAQ's

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What activities/ programs are covered under the blanket insurance program?

Any community activity/program that provides benevolent relief (whether Commonwealth and State-Territory funded), or any enterprise and fee-for-service activity that is being operated to generate additional income to be applied to these activities, and provided that they are declared to Jobs Australia Limited in its annual declarations (provided payments of the fees to subscribe by the due dates is made), these activities will generally be covered.
Does a policy excess apply for property that is damaged or stolen?

Yes, $1000 for each claim during the insurance period.
Is there cover for plate glass?

Yes, under the property policy plate glass is covered for replacement value, subject to an excess of $500 for each and every claim.
Are Volunteers and Committee Members covered while they are travelling to and from activities?

Yes, volunteers and committee members are covered in these cases. If the volunteer or committee member is travelling by vehicle and is injured, relevant State/Territory transport accident legislation will apply.

Please note that such claims are assessed carefully as it must be shown that the volunteer or committee member was travelling on behalf of or undertaking duties as part of their voluntary role with the insured organisation.
Can Volunteers and Committee Members use their own vehicles to carry other clients/volunteers to activities?
Yes, from the 1st of July, 2012 Jobs Australia replaced the Contingent Third Party Motor Vehicle Cover Policy with a Non-owned Vehicle Cover. This policy provides cover to registered volunteers/board members with your organisation when using their own vehicle on organisation business in the case of an accident. It includes:
1. Reimbursement of any excess payable;
2. At the first renewal of their comprehensive vehicle insurance, the difference between the premium which would have been paid had the accident not occurred and the premium payable as a result of the accident;
3. Cover for the owners legal liability for third party damage up to $30 million; and,
4. Provide repairs to the owners vehicle of up to $10,000 should the registered owner's insurer decline to repair the vehicle.
Can staff use their own vehicles on business?
From the 1st of July, 2012 Jobs Australia replaced the Contingent Third Party Motor Vehicle Cover Policy with a Non-owned Vehicle Cover that provided the following cover to staff when using their own vehicle on organisation business in the case of an accident:
1. Reimbursement of any excess payable;
2. At the first renewal of their comprehensive vehicle insurance, the difference between the premium which would have been paid had the accident not occurred and the premium payable as a result of the accident;
3. Cover for the owners legal liability for third party damage up to $30 million;
4. Provide repairs to the owners vehicle of up to $10,000 should the registered owner's insurer decline to repair the vehicle.
What insurance cover is there in place for unpaid work experience or on-the-job training?

If a client of a program is injured while involved in on-the-job- training or work experience arranged by a Jobs Australia member, most medical costs should be recovered under Medicare. If a client is permanently injured, the Personal Accident policy provides cover up to a maximum of $250,000. These benefits are paid irrespective of negligence.

Note: there is no cover under the Personal Accident policy for such expenses as physiotherapy and other medical expenses that Medicare does not cover.

If a client, volunteer or committee member causes damage to third party property or, as a result of an injury, is sued or sues a Jobs Australia member organisation, the Public Liability policy provides layers of cover of up to $20,000,000 where the Jobs Australia member is liable.

If the organisation providing the unpaid work experience or on-the-job training is negligent then it will be their liability policy that will respond in the event of injury, loss or damage. The Jobs Australia liability policy does not indemnify employers’ or other parties’ negligence.
What insurance cover is in place for child care?

There is automatic cover in place if the Member runs a child care facility or a crèche provided it is registered with the appropriate State and/or Federal bodies and all regulations are complied with.
What policies are not included under the Blanket Insurance Program?
There are three key insurances that are not included. They are:
1. Workers' Compensation - Jobs Australia members should arrange coverage locally. It is the responsibility of all members to ensure they have Workers' Compensation cover in place for all employees, (including clients where applicable).
2. Buildings – There is no coverage under the blanket insurance program for buildings, where:
  - Buildings are owned (not leased) by a Jobs Australia member. If you are experiencing difficulties in obtaining building cover locally, contact Aon for an alternative quotation.
  - Buildings are owned by another person or entity but, through a requirement in the lease agreement, the Jobs Australia member is responsible for arranging insurance. You should at all times try to remove this obligation. Please contact Aon if you are placed in the position of arranging insurances on behalf of a landlord/lessor.
3. Motor Vehicles – 'Comprehensive' insurance, i.e. cover for 'own damage' and liability for damage to third party property. Contact Aon for a quote on this class
What Cover is available in relation to Workers’ Compensation?

All Jobs Australia members are responsible for purchasing their own Workers’ Compensation cover in accordance with relevant State/Territory legislation. As this insurance does not form part of the blanket insurance program, claims should be made directly with your insurer. Workers’ Compensation Insurance claim forms should be obtained from the relevant insurer.
Are job seekers or participants covered while they are travelling to and from activities?

Yes, job seekers or participants are covered in these cases. If the job seeker or participant is travelling by vehicle and is injured, relevant State/Territory transport accident legislation will apply.

Please note that such claims are assessed carefully as it must be shown that the jobseeker or participant was travelling directly between the relevant service location and home.
Can job seekers or participants use their own vehicles to carry other job seeker/ participants to activities?

Yes, provided the following steps are undertaken:

1.        The job seeker or participant should be informed that there is no cover for damage to their own vehicle if it is involved in an accident.

2.        The job seeker or participant should supply evidence that the vehicle is registered.

3.       The job seeker or participant should supply evidence that they hold a current driver’s license.
What insurance cover is there in place for unpaid work experience or on-the-job training?

If a job seeker or participant is injured while involved in on-the-job- training or work experience arranged by a Jobs Australia member, most medical costs should be recovered under Medicare. If a job seeker or participant is permanently injured, the Personal Accident policy provides cover up to a maximum of $250,000. These benefits are paid irrespective of negligence.

Note: there is no cover under the Personal Accident policy for such expenses as physiotherapy and other medical expenses that Medicare does not cover.

If a job seeker or participant causes damage to third party property or, as a result of an injury, is sued or sues a Jobs Australia member organisation, the Public Liability policy provides layers of cover of up to $100,000,000 where the Jobs Australia member is liable.

If the organisation providing the unpaid work experience or on-the-job training is negligent then it will be their liability policy that will respond in the event of injury, loss or damage. The Jobs Australia liability policy does not indemnify employers’ or other parties’ negligence.
What insurance cover is there in place for paid work experience or on-the-job training?

A participant on paid “work experience” will in many cases be covered by the employer’s Workers’ Compensation policy.
Is Business Interruption included under the Blanket Cover Program?

Yes. Business Interruption provides indemnification against loss of income due to the interruption of the business following material loss or damage to property used by the business caused by fire or other insured perils.

Claims of this nature are generally made in conjunction with a claim against your Fire and other insured perils policy.
How much does it cost to subscribe?

For subscribers to the CSIR Community Sector Blanket Cover, these fees are determined by our brokers at Aon Risk Services.

Because of the excellent work undertaken to negotiate these policies on our behalf and our position in the market place, we are able to provide access to an excellent package at a very reasonable price. Please contact Ross Mackay at Jobs Australia for further information.

For subscribers to the main Jobs Australia Community Sector Blanket Cover program, these fees are based on your organisation's outgoings. A set rate per $1,000.00 of your expenditure is charged via a declaration to Jobs Australia every six months. Again, please contact Ross Mackay at Jobs Australia for further information.