The combined purchasing power of the Jobs Australia network enables its not-for-profit members to access the Master Policies contained in the Blanket Cover Program at a fee that is usually significantly lower than any individual member could obtain if they were to arrange and pay for similar insurance policies.

The Blanket Cover Insurance program includes a host of insurance policies that cover not-for-profit organisations at a level and scope that is far higher than any individual can obtain.

The suite of covers includes:

Public/Products Liability

The Public & Products Liability Insurance policy protects you, your employees, and your not-for-profit business for your legal liability for any bodily injury and/or property damage or loss sustained by a third party, caused as a result of an act of negligence by you or your staff.

Such acts of negligence may arise from any of the activities of a Jobs Australia or Community Sector Industrial Relations member, including the production and sale of goods and/or services.

These policies cover:

  • board members of subscribing organisations;
  • all staff including volunteers;
  • all eligible job seekers/participants;
  • the incorporated body; and for subscribers to the main Blanket Cover Program;
  • the Department of Education Employment and Workplace Relations for their respective rights and interests as required under the JSA and DES Funding Deeds.

The above is provided as a general description only.  Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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Professional Indemnity

The professional indemnity insurance policy provides financial protection to you and your business against an act, error, omission or breach of duty in the provision of professional services by your not-for-profit organisation resulting in a financial loss to a third party.

In general terms:

  • an “act” refers to misleading or inaccurate advice
  • an “error” refers to a mistake in calculations; and
  • an “omission” refers to a failure to take a required action
     

In addition, costs and expenses incurred in the defence and settlement of a claim are covered. The above is provided as a general description only.  Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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Fire and Perils (including Business Interruption)

The Fire and Perils policy covers physical loss, destruction of or damage to a not-for-profit organisation’s property caused by a number of risks including fire, lightning, explosion, malicious damage by a third party, riots and civil commotion, storm damage, water damage, flood, earthquake, glass breakage, accidental damage, burglary/theft, loss of money as well as the loss of revenue/profit which may result from physical loss, destruction to or damage to property. The above is provided as a general description only.  Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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Directors' and Officers' and Company Guarantee

Directors and Officers Insurance (D&O insurance) covers the personal liability directors and officers may face as a result of wrongful acts committed or alleged to have been committed.

The liability insurance policy protects individual officers and members of management committees or boards of directors for the claims made against them in respect of wrongful acts committed or alleged to have been committed by them in the management and administration of the not-for-profit member organisation.

The above is provided as a general description only. Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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Personal Accident for Volunteers and Job Seekers

The Personal Accident policy provides protection for accidental bodily injury or death arising from involvement in the operation of a not-for-profit member organisation's programs or activities (including travel to and from such activities).

This cover includes:

  • All eligible jobseekers/participants in Jobs Australia and related Jobs Australia activities as declared to Jobs Australia Limited (NB where DEEWR cover applies claims should be directed to them in the first instance);
  • all voluntary workers whilst undertaking their duties on behalf of subscribing not-for-profit organisations; and
  • board and committee of management members whilst conducting their duties on behalf of Jobs Australia.

The above is provided as a general description only.  Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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Personal Accident for Employees

This policy provides protection for accidental bodily injury or death arising for employees of a Jobs Australia subscribing non profit organisation.
This cover includes all employees of a not-for-profit organisation as stated below:

Full-time and Part-time Employees

  • Protection for accidental bodily injury or death 24 hours per day 365 days per year.

Casual Employees

  • Protection for accidental bodily injury or death for actual days worked for the nominated Jobs Australia member including traveling to and from work on that day.

Labour Hire Employees

  • Protection for accidental bodily injury or death 24 hours per day for the period they are employed by the nominated Jobs Australia member and placed with a third party employer.

 

The above is provided as a general description only. Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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Fidelity Cover

The Fidelity Cover policy provides reimbursement for losses arising as a result of any act of fraud or dishonesty committed by a not-for-profit business employee acting alone or in collusion with others.

The above is provided as a general description only.  Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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Transit Cover

The Transit Cover policy protects a not-for-profit organisation’s office furniture, equipment, computers, machinery and stock whilst in transit via road, rail, sea or air.

The above is provided as a general description only. Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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Motor Vehicle (non-owned)

This policy provides cover for the legal liability for third party motor vehicle damages arising out of the use of an employee’s and/or volunteer’s private automobile whilst working for the insured not-for-profit organisation. In the event of an accident involving such vehicles that are already comprehensively insured by a not-for-profit organisation’s employee and/or volunteer, the policy provides: 

  • A reimbursement of the excess; the difference between the premium which would have been paid had the accident not have occurred and the premium payable as a result of the accident   
  • Legal liability to the owner of the automobile for third party motor vehicle damage, and;     
  • Cover for the cost of repairs should the not-for-profit business decline to repair the vehicle

The above is provided as a general description only. Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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Corporate Travel Cover

This insurance policy covers employees, directors, and volunteers of not-for-profit organisations (as well as their accompanying Spouse/Partner and Dependent Children) while undertaking business related travel, including any incidental private travel. 

The above is provided as a general description only.  Please refer to the Blanket Cover Insurance Program Manual, or contact our Brokers at Jardine, Lloyd Thompson Pty Ltd, for a list of exclusions and other details.

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