Allied Health : Public Liability

The Insured is a sub-contractor providing personal training services at a gym. The Claimant attended an exercise class conducted by the Insured and sustained serious injuries to her knee. The Claimant sought damages from both the Insured as well as the owner of the gym.

A settlement sum of $110,000 was agreed based on noneconomic loss, out-off pocket expenses, future medical treatments, past economic loss as a result of needing time off work for treatment, future economic loss and need for domestic assistance. A further $25,000 in legal costs were incurred to defend the Insured.

The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.

As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this email is general only.  Coverage for claims on the policy will be determined by the insurer, not BizCover for Brokers, and will depend on the specific facts and circumstances involved.