During July and August National Disability Services providers took advantage of the organisation’s Essential Briefing meetings to help them better understand their risk profiles, with Gallagher presenting insurance advice at these well-attended sessions.The briefings covered the key issues to be tabled by the NDIS Quality and Safeguards Commission and the upcoming Royal Commission into Violence, Abuse, Neglect and Exploitation of People with Disability which is now accepting submissions.As the endorsed insurance broker for National Disability Services, Gallagher representatives Senior Account Executive Gail Murray and Principal Broker Phil Hardaker (Brisbane) discussed the topic Preparing for the Royal Commission – a legal & insurance perspective, which addressed what a Royal Commission is, how it operates and what to expect from a legal perspective, along with how providers should respond in terms of risk management.
“The sessions provided a great forum to impress upon NDS members the proactive steps they could take in relation to their current risk management practices and what they needed to do and consider from an insurance program standpoint,” Murray says.
- If you are asked to provide information to the Royal Commission you will need to notify your insurance broker, because this affects your insurance cover. Also legal fees incurred in making submissions may be eligible for claiming on your insurance.
- You should also let us know if your facility is the subject of any current complaints or legal actions that could result in an insurance claim under your existing or future policies.
- Please also inform us aboutany incident with the potential to trigger such a claim, no matter how insignificant it appears to be.
- Formulate a response strategy for your organisation so you can react quickly and appropriately if an incident or allegation occurs. It’s a good idea to have professional legal and public relations resources in place. Depending on the circumstances, your insurer may also want to approve your response in case it has a bearing on your insurance cover.
- Check your insurance program to ensure that it includes
- general liability
- medical malpractice
- professional indemnity
- directors and officer’s insurance
and that the policies are up to date.
Hardaker notes, “Many [attendees] didn’t realise there may be restrictions in the cover afforded to them in the event they are called upon by the commission, and that there are alternatives available, even in the hardening insurance market.”
We can help
For providers who would like to learn more about what they can do to implement a more robust insurance program or were unable to attend the Essential Briefings and would like some additional information, please contact our Disability Support team on 1800 931 134 or email us at email@example.com.