Insurance & Claims Manual - 180.235.131.20

Insurance & Claims Manual Anglican National Insurance Program

Anglican Diocese of Grafton

31 October 2014

Information for Parish Officers

Contents Introduction 1

Aon client promise 2

Insurance program 4

Claims procedures 31

Claim forms 45

Certificates of currency 49

About Aon 60

Statutory and other notices 61

Contacts 66

Confidentiality Notice This manual contains information, which is confidential to Anglican National Insurance Program (ANIP) and Aon Risk Services Australia Limited (Aon). Accordingly, we trust you will understand this manual is given to ANIP and its officers and employees in confidence and may not be used, reproduced in any form or communicated to any other person, firm or company without the prior approval of Aon. Privacy Notice Aon is committed to protecting your personal information in accordance with the Australian Privacy Principles under the Privacy Act 1988 (Cth). We collect, use and disclose personal information to offer, promote, provide, manage and administer the many financial services and products we and our group of companies are involved in as set out in the Aon Privacy Notice. In order to do this, we may also share your information with other persons or entities who assist us in providing or promoting our services as set out in the Aon Privacy Notice. Further information about our privacy practices can be located in the Aon Australia Group Privacy Policy Statement which can be viewed on our website at www.aon.com.au or a copy can be sent to you on request by your Aon representative. You may also gain access to your personal information, or modify your privacy preferences, by contacting your Aon representative or our Privacy Officer at: Privacy Officer – By email: [email protected] By mail: Level 33, 201 Kent Street Sydney NSW 2000 By phone: (02) 9253 7000 ©Aon Risk Services Australia Limited 31 October 2014. Written and published by Aon Risk Services Australia Limited. This work is copyright and confidential. Other than as permitted by law, no part of it may in any form or by any means be reproduced, stored or transmitted without permission of the copyright owner, Aon Risk Services Australia Limited.

http://www.aon.com.au/

mailto:[email protected]

Introduction This Insurance and Claims Manual has been compiled by Aon Risk Services (Aon) to provide a broad outline of your Insurance Program and to offer general information and assistance in understanding the various insurances which have been arranged on your behalf and the steps and procedures to be followed in the event of claims arising under the program.

Aon’s role in the claims management process, as regards above deductible claims, is as follows:

• to submit, regularly follow up and negotiate settlement of above deductible claims, • to assist in the resolution or conduct of difficult or contentious claims with underwriters and re-insurers where

required, • claims administration, including collection of insurance proceeds and proactive follow-up of outstanding claims until

finalisation, • provision of status reports on above deductible claims, and • to maintain records of paid and outstanding claims for underwriting disclosure and inclusion in renewal

submissions.

However, there are a number of classes of insurance coverage where additional handling by Aon in the administration of claims can be counter-productive to the efficient, timely and cost effective resolution of claims.

So, in order to ensure greater efficiency and improved service to clients, Aon has developed a process whereby simple, low value Travel, Personal Accident, Expatriate Medical, Baggage and Motor Vehicle claims will in future be directly reported to, and subsequently managed by, insurers.

The Insurance Program section of the manual contains a brief description of individual insurances. It should not however be treated as a replacement for the relevant policy documents. Each policy should be carefully read and, in particular, note taken of the description in the policy of the coverage thereby provided as well as the exclusions and policy conditions – these should not in any way be regarded as being fully or accurately described in the manual.

All insurance claims are to be lodged with the Registry of the Anglican Diocese of Grafton as soon as possible after the incident. The Registry will organise contact with the insurer, loss adjustor or other agent where required.

Phone: 02 6642 4122

Fax: 02 6643 1814

[email protected]

1

Aon client promise The Aon Client Promise is Aon’s globally consistent value and service delivery methodology which ensures every client receives the best personalised risk advice and brokerage services in the industry.

To help us understand your needs, and provide solutions that can drive the most value for your business, we want to know which elements of the Aon Client Promise are most important to you.

The ten elements of the Aon Client Promise are as follows;

1. A FOCUS ON OPTIMIZING YOUR TOTAL COST OF RISK Understanding and quantifying your risks is a vital step toward managing them effectively. Aon’s distinctive approach to program design, unmatched broking strength, customized Aon Total Cost of Risk Assessment and the suite of Aon eSolutions products provide clients with the most comprehensive view of their organization’s total cost of risk so they can make the best decisions possible.

2. A PROGRAM DESIGNED ENTIRELY AROUND YOUR NEEDS Great advice starts with a deep understanding of our clients’ business challenges and opportunities. The Aon Client Promise methodology ensures your business’ unique priorities and needs are addressed with flexible solutions that deliver value to your business.

3. A DEDICATED TEAM AND A WORLD OF RESOURCES Providing you with a deep team of experienced, talented professionals who know you and your business at all levels ensures you get the right solutions from our unsurpassed global capabilities. Aon invests in training and developing our 26,000 team members around the client-centric values of the Aon Leadership Model.

4. LOCAL ACCESS TO THE BEST MARKETS IN THE WORLD The right market for your risk may be local to you, or a global player. Aon’s Broking Centres of Excellence, the largest-owned network in the world, and in-depth market security expertise lets you access the right markets, anywhere in the world, through a local point of contact. In addition, Aon’s proprietary services, like Aon Alerts and the Aon Situation Room, provide you with access to rating information and insightful commentary on significant market events directly online as they unfold.

5. CONSTANT INVESTMENT IN NEW IDEAS AND SOLUTIONS Our investment in innovation is based on the needs and issues of our clients. By listening to clients, we create new tools and services that ensure our clients see new risks coming and don’t face them with old solutions. The Aon Centre of Innovation and Analytics in Dublin, Ireland is the industry’s only facility 100 percent focused on risk research, development and administration, where our teams work to solve the most complex risk-related issues.

6. THE STRENGTH OF THE WORLD’S LEADING BROKER ON YOUR SIDE Whatever your size, as an Aon Risk Services client you have the advantage of support from the world’s leading broker. We place more premium with carriers and secure more claims payments from them than any other broker. We measure carrier performance through the Aon Carrier Performance Survey, and if issues arise, we have a defined process that helps ensure quick resolution. Going beyond insurance, our Aon Global Risk Consulting colleagues bring practical solutions to reduce, transfer or finance risks that remain.

7. POWERFUL BENCHMARKING Differentiating your program and delivering the right terms and conditions for your needs requires a fact-based understanding of your current risks relative to your peers. We use the most comprehensive data in the industry, including

2

our proprietary Aon Global Risk Insight Platform (Aon GRIP) that captures thousands of transactions daily across the Aon network to benchmark your risks.

8. INDUSTRY-LEADING SERVICE WHEREVER YOU NEED IT Industry-leading service means more than just efficiently executing your risk program. We’re honoured that our clients, through third-party surveys like Business Insurance and Euromoney, regularly vote us best in class. With more offices worldwide than any other broker (more than 500 offices in more than 120 countries), and the Aon Client Promise methodology as our compass, we deliver a consistently high standard of service wherever you are.

9. YOUR FEEDBACK DRIVES OUR PERFORMANCE What you think of our services is the most important measure of our success. We combine systematic client surveys using the Aon NPS program with personal conversations to actively seek your feedback twice each year. Your input is key to how we manage, develop and reward our teams.

10. OPEN AND HONEST DIALOGUE ABOUT THE VALUE WE ADD TO YOUR BUSINESS Delivering distinctive value to you is our core focus. We believe the value we create for you is the measure of our worth. The Aon Client Promise plan, including your customized Aon Total Cost of Risk Assessment, provides you with the most transparent view of the services you receive for the price you pay.

We will, on an ongoing basis, request you to rank the importance of these elements to your business and ask how well we are performing in delivering these services.


Phone: 02 6642 4122

Fax: 02 6643 1814

[email protected]

3

Insurance program Program summary

Class of Insurance Underwriter Policy Limit(s) Deductible(s)

Industrial Special Risks Ansvar Insurance Limited Various as per policy schedule Various as per policy schedule

Professional Indemnity Ansvar Insurance Limited $25,000,000 any one claim and $50,000,000 in total $5,000 each and every claim

Management Liability Ansvar Insurance Limited Various as per the policy schedule Various as per policy schedule

Public & Products Liability Ansvar Insurance Limited $20,000,000 any one occurrence and the aggregate Clause 2 – Nil Except Cannon Hill Anglican College Foundation Limited - $2,000

Hirers Liability Ansvar Insurance Limited $2,000,000 Nil

Comprehensive Crime Vero Insurance Ltd Various as per policy schedule Various as per policy schedule

Comprehensive Motor Vehicle Vero Insurance Ltd Section 1 – Market Value or sum insured whichever is the lesser

Section 2 - $30,000,000

$400 – Basic Excess

Business Travel ACE Insurance 55% AIG 30% Zurich 15%

Various as per the policy schedule Various as per policy schedule

Voluntary Workers ACE Insurance 55% AIG 30% Zurich 15%

Various as per policy schedule Various as per policy schedule

Marine Transit Vero Insurance Ltd Various as per policy schedule Nil

4

General information The Named Insured and Business Description form part of your insurance contracts. It is therefore important that you advise of any alterations that may arise during the course of the year as these may prejudice your insurance cover.

To eliminate unnecessary repetition, unless otherwise stated within the Insurance and Claims Manual, the following information is common to all policies:

Insured As noted under the policy

Business Description As noted under the policy

Period of Insurance a) From: 4.00 pm on 31 October 2014 ) Local b) To: 4.00 pm on 31 October 2015 ) Time

b) Any subsequent period for which the Insured shall pay or agree to pay and the Insurers shall agree to accept a renewal premium.

5

Industrial Special Risks Underwriter Ansvar Insurance Limited

Policy Number 03.025.0230046

The Insured Any Diocese or any incorporated or unincorporated Body or any Association of the Anglican Church of Australia as declared to Insurers including The Primate of the Anglican Church of Australia, The Metropolitan for each Province, Anglican Defence Force Chaplains, Anglican Defence Force Chaplaincy, Defence Force Anglican Chaplains‟ Inc. and/or associated and/or affiliated bodies deemed to be insured by any Diocese or entity already an insured under this policy whether incorporated or unincorporated including National Insurance Programme Committee and Manager or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers, Lay Ministers and Contract Workers for their respective rights and interests or their joint and several liabilities.

The interest of other parties is automatically included where required by them or where the Diocese has agreed to do so.

Declared Entity


The Business Principally but not limited to religious organisations and affairs incidental thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, Recording Studio, out of uniform Defence Chaplaincy, Students whilst performing work experience, Employment Agencies, Registered Builder, Property Owners/Occupiers Suppliers of Products and Services including Insurance, Accounting and Software and the like and any other occupation incidental thereto.

Covering Loss, destruction of or damage to the Property Insured as a result of an insured peril, including loss resulting from interruption or interference to the business, all as defined in the policy

Interest Insured Section 1 – Material Loss or Damage All real and personal property of every kind and description belonging to the Insured or for which the Insured is responsible or has assumed responsibility to insure prior to the occurrence of any damage including all such property in which the Insured may acquire an insurable interest during the period of insurance.

Section 2 – Consequential Loss Loss of Gross Profit (as defined) as a result of a reduction in turnover and/or increase in cost of working resulting from loss, destruction or damage caused by an Insured Peril as per Section 1.

Loss of Gross Revenue (as defined) and/or increase in cost of working resulting from loss, destruction or damage caused by an Insured Peril as per Section 1.

Loss of Gross Rentals (as defined) and/or increase in cost of working resulting from loss, destruction or damage caused by an Insured Peril as per Section 1.

Situation and/or Premises Anywhere in Australia where the Insured has property or carries on business, has goods or other property stored or being processed or has work done, including contract sites.

6

Limit(s) of Liability The amount(s) set out hereunder represent the Insurer(s) maximum Limit(s) of Liability any one loss or series of losses at any one Situation arising out of any one original source or cause subject to any Sub-Limit(s) of Liability specified elsewhere in the Policy and the Schedule.

Combined Sections 1 and 2

Anglican Diocese of Grafton $ 80,000,000

Sub-Limit(s) of Liability The liability of the Insurer(s) shall be further limited in respect of any one loss or series of losses at any one Situation arising out of any one original source or cause as set out hereunder.

Section 1 – Property Damage

Accidental Damage $ 1,000,000

Additional Extra Cost of Reinstatement $ 1,000,000

Boarding Students’ property (other than money) - any one student - any one loss

$ 5,000 $ 250,000

Boiler and Pressure Vessel Explosion $ 200,000

Burglary and Theft from building and the like (other than money insured below)

$ 500,000

Breakdown of Electronic and/or Machinery, Plant and Equipment (including Fusion)

$ 500,000

Data Processing / Media Breakdown $ 500,000

Data Restoration Costs $ 500,000

Episcopal Regalia including Worldwide transit $ 500,000

Erosion, Subsidence, earth movement or collapse as per Endorsement 16.10

$ 1,000,000

Fidelity Guarantee / Fraud and Dishonesty as per Endorsement 16.7:: - any one claim - in the aggregate any one period of insurance

$ 1,000,000 $ 2,000,000

Computer and Funds Transfer Fraud as per Endorsement 16.8: - any one claim and in the aggregate any one period of insurance

$ 1,000,000

Jewellery, Precious Metals and Stones $ 100,000

Rockeries, trees, shrubs and the like $ 100,000

Loss of Land Value $ 1,000,000

Money - on premises during business hours, in locked safe or strong room out of business hours and transit including personal custody

$ 200,000

Money - on premises out of business hours not in locked safe or strong room

$ 20,000

Privately owned items not otherwise insured, including property at fetes, art and craft shows

$ 250,000

Property of directors, employees, council members and volunteers not otherwise insured

$ 5,000 any one person

Spoilage of Stock and Merchandise $ 25,000

Standing timber, growing crops and pastures $ 50,000

Temporary Accommodation Expenses (3.2.6) $ 50,000

7

Theft of Property in Open Air $ 50,000

Works of Art, Antiques and Curios unless otherwise declared to Insurers:

$ 250,000 per individual works

Section 2 – Consequential Loss

Item 10.3 – Additional Increased Cost of Working (not limited to locations covered under Item 10.1 and 10.2)

$ 5,000,000

Item 10.5 – Accounts Receivable $ 100,000

Item 10.6 – Claims Preparation Costs $ 1,000,000

Quarantinable Diseases (aggregate all Insureds) $ 1,000,000

Section 3 – Contract Works (Material Damage)

All damage to property Insured

$ 1,000,000

Indemnity Period (Section 2) • All Cathedrals 72 months

• All other situations 48 months

Primary Deductibles Combined Sections 1, 2 and 3

Earthquake, Subterranean Fire or Volcanic Eruption a) $20,000 or b) an amount equal

to 1% of the total declared values at the situation where the damage occurs

whichever is the lesser

Clergy’s, volunteers’ and employees’ property Nil

All Other Claims

Anglican Diocese of Grafton $ 20,000

Organisations of Anglican Diocese of Grafton $ 500

Should more than one deductible appear under this policy for any one claim or series of claims arising from the one event, such deductibles shall not be aggregated – the highest single level of deducible only shall apply.

8

Professional Indemnity Underwriter Ansvar Insurance Limited

Policy Number 01.025.230046(80)



Declared Entity



Limit(s) of Liability Any one claim $ 25,000,000

All claims in total made under the policy during any one period of insurance

$ 50,000,000

Deductibles Each and every claim $ 5,000

Retroactive Date Notwithstanding Clause 4 of this policy (Retroactive cut-off date), We will pay up to the sum insured specified in this Certificate of Insurance in respect of a claim arising out of an act, error or omission that occurred on or after 4.00 p.m. on the 31 December 1990. In respect of a claim arising out of an act, error or omission that occurred any time prior to 4.00 pm on the 31 December 1990, We will pay up to the sum of $1,000,000, which shall be the maximum amount we cover you for in accordance with clause 5 of this policy.

Policy Wording Anglican Church of Australian Professional Indemnity Insurance Policy Wording 2012 / 2013

9

Management Liability Underwriter Ansvar Insurance Limited

Policy Number 01.025.230046(80)



Declared / Diocese / Entities



Insuring Clause 3.1 – Directors’ & Officers’ Liability Insurance

Retroactive Date Unlimited

Limit(s) of Liability A any one claim $ 15,000,000

B in the aggregate any one period of insurance $ 30,000,000

C Pollution Defence Costs (5.15) – in the aggregate any one period of insurance

$ 500,000

Excess Nil

Insuring Clause 3.2 – Entity Reimbursement

Retroactive Date Unlimited




$ 500,000

10

Excess Any one claim $ 5,000

Insuring Clause 3.3 –Entity Liability Insurance

Retroactive Date 31 December 2009




$ 500,000


Insuring Clause 3.4 –Employment Practices Liability Insurance




Excess Insured Entity – any one claim Insured Individual

$ 5,000 $ 0

Insuring Clause 3.5 – Trustees Liability Insurance Retroactive Date 31 December 1990 Limits of Liability A. $1,000,000 any one claim

B. $2,000,000 in the aggregate any one period of insurance.

Excess Insured Entity: $1,000 any one claim Insured Individual: Nil

Insuring Clause 3.6 –Statutory Liability Insurance





$ 5,000 $ 0

Insuring Clause 3.7 –Internet Liability Insurance


11




$ 5,000 $ 0

Insuring Clause 3.7 –Entity Crisis Insurance


Limit(s) of Liability A any one claim $ 250,000

B in the aggregate any one period of insurance $ 500,000


All Insuring Clauses

Automatic Extension As per policy wording

Additional Included Extensions As per the policy wording and agreed endorsements

Policy Wording Anglican Church of Australia Management Liability Insurance Policy Wording 2011 / 2012

12

Public & Products Liability Underwriter Ansvar Insurance Limited




Declared Entity



Limit(s) of Liability Public & Products Liability

Any one occurrence and in the aggregate any one policy period in relation to Products Liability

$ 20,000,000

Sexual Molestation / Abuse $20,000,000 any one occurrence / offender and in the aggregate any one policy period for all claims arising out of or in connection with sexual abuse shall not exceed $50,000,000 per Declared Dioceses / Entities named in the schedule.

Policy Wording Anglican Church of Australia General Public & Products Liability Insurance Policy wording 2014/2015

Anglican Church of Australia Umbrella Liability Insurance Policy wording 2014/2015

If greater levels of cover are required for parish activities, parish officers should contact the Registrar to discuss.

13

Hirers Liability Underwriter Ansvar Insurance Limited


The Insured Personal hirers of facilities owned by or under the control of the Diocese declared hereunder of the Anglican Church of Australia.

Declared Entity


The Business Hiring of facilities stated above as for use by7 the hirer for activities in accordance with such activities.

Limit(s) of Liability $ 2,000,000

Deductible $ Nil

Endorsements Sexual Abuse Additional Exclusion Any actual or alleged sexual abuse.

For the purposes of this exclusion the following definition applies:

Sexual Abuse means any assault of a sexual nature, sexual molestation, indecent exposure, sexual harassment or intimidation, whether such act is the subject of criminal investigation or not.

Policy Wording ANIP Personal Hirers Liability Policy 2012-2013_22 04 2013 V1.0

14

Comprehensive Crime Underwriter Chubb Insurance Company of Australia Ltd and QBE Insurance (Australia) Ltd

Policy Number 93296349

The Insured Any Diocese or any incorporated or unincorporated Body or any Association of the Anglican Church of Australia as declared to Insurers including The Primate of the Anglican Church of Australia, The Metropolitan for each Province, Anglican Defence Force Chaplains, Anglican Defence Force Chaplaincy, Defence Force Anglican Chaplains’ Inc. and/or associated and/or affiliated bodies deemed to be insured by any Diocese or entity already an insured under this policy whether incorporated or unincorporated including National Insurance Programme Committee and Manager or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers, Lay Ministers and Contract Workers for their respective rights and interests or their joint and several liabilities.


Principal Organisations


The Business Principally but not limited to religious organisations and affairs incidental thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, property owners/occupiers and the like and any other occupation incidental thereto

Territorial Limits Worldwide

Policy Wording Aon Chubb Crime Insurance Wording plus Guaranteed Renewal Endorsement

Endorsement Guaranteed Renewal

Limit(s) of Liability / Deductibles Description Limit of Liability Deductible

A Employee theft coverage $ 5,000,000 $ 1,000,000

B Premises Coverage $ 5,000,000 $ 1,000,000

C In transit coverage $ 5,000,000 $ 1,000,000

D Forgery coverage $ 5,000,000 $ 1,000,000

E Computers fraud transfer $ 5,000,000 $ 1,000,000

F Funds transfer fraud coverage $ 5,000,000 $ 1,000,000

G Counterfeit currency fraud coverage

$ 5,000,000 $ 50,000

H Credit card fraud coverage $ 5,000,000 $ 50,000

I Identity fraud coverage $ 250,000 $ 50,000

J Client coverage $ 5,000,000 $ 50,000

K Expenses coverage $ 10,000 $ Nil

L Crisis Costs Expense coverage $ 25,000 $ Nil

15

Motor Vehicle Underwriter Vero Insurance Ltd

Policy Number MSL 071341823


The interest of other parties is automatically included where required by them or where the Diocese has agreed to do so

Principal Organisations



Geographical Limits Worldwide

Limit(s) of Liability Section 1 Market Value or Sum Insured whichever is the lesser

Section 2 $ 30,000,000

Basic Excess Vehicles located in the Northern Territory – each and every claim

$ 500

All other vehicles – each and every claim $ 400

Aged & Inexperienced Excesses Nil

Windscreens

Policy Wording Vero Motor Fleet Policy PDS (V4703 V7 01/12/11A

Endorsements As per schedule

Cover is applicable only to the extent of vehicles declared in the insurance renewal process and new and replacement vehicles advised at time of purchase.

16

Contract Works Underwriter Ansvar Insurance Limited

Policy Number 01 025 230046(80)



Declared / Diocese / Entities



Interest Insured As per policy wording

Territorial Limits As per the specified Worksite within the Commonwealth of Australia

Period of Risk As per the policy wording

Maintenance / Defects Liability Period as per the policy wording

Limit(s) of Liability A. Section 1 – Material Loss or Damage $ 5,000,000

B. Section 2 – Liability – any one occurrence $ 20,000,000

Deductible A. Section 1 - Material Loss Or Damage The Insured shall bear the first amount of each claim or series of claims arising out of any one original source or cause as follows:

Named Cyclones $2,000 All Other $ 500

Should more than one Deductible apply under Section 1 of this Policy for any claim or series of claims arising from the one original source or cause, such Deductibles shall not be aggregated and the highest single level of Deductible only shall apply. Provided that only losses exceeding the particular Deductible

17

applicable shall be taken into account in determining the application of this clause.

B. Section 2 – Liability The Insured shall bear the first amount of each claim or series of claims arising out of any one Occurrence.

Injury and Advertising Injury $Nil Damage $250

In the event both injury to persons and damage to property occurs out of the one Occurrence only one Deductible shall apply whichever is the highest

Endorsement Nil

Policy Wording ANIP Contract Works Policy Wording 2012-2013_2204 2013 v1.0

18

Business Travel Underwriter ACE Insurance Limited 55%

AIG Insurance 30% Zurich Insurance 15%

Policy Number ZATVL000353QLD

Declared Entity

Diocese of Grafton

Covered Person(s) / Categories 1. Any Covered Person travelling on authorised business of the Diocese, a parish, body or organisation covered by the policyholder including their Spouse and accompanying Dependent Children

Scope of Cover 1. Cover under this policy applies whilst a Covered Person is engaged in a journey (as defined) undertaken on the Policyholders business, including any incidental private travel

Journey Journey shall mean any trip involving interstate or overseas travel or intrastate provided the intrastate journey involves travel by air or an overnight stay. Authorised business travel shall also include associated holiday travel. Such cover shall start from the time of leaving home or normal place of business (whichever is left last) and continue until arrival back at home or normal place of business (whichever is reached first). Every day commuting shall not be regarded as a journey on the business of the Policyholder. The maximum duration of any one trip shall be 180 days. Furthermore "journey" shall be extended to mean any authorised study leave undertaken by a Covered Person provided such leave involves overseas travel. Authorised study leave shall also include associated holiday travel provided such travel is overseas. Such cover shall start from the time of leaving home or normal place of business (whichever is left last) and continue until arrival back at home or normal place of business (whichever is reached first). Everyday commuting shall not be regarded as a Journey on the business of the Policyholder. The maximum duration of any on trip shall be 180 days.

Schedule of Benefits Sum Insured as per Table of Conditions – each covered person

SECTION 1: Personal Accident & Sickness

Category Table of Events Part A – Lump Sum Benefits

1 Event 1 – Accidental Death 5 x Salary up to 500,000

Events 2 – 19 5 x Salary up to 500,000

Spouse not earning salary Dependent Children Accidental Death SI ($)

1 250,000 25.000

Part B – Bodily Injury Resulting in Surgery – Benefits

Part C – Sickness Resulting in Surgery – Benefits

1 20,000 20,000

19

Part B - Weekly Benefits - Bodily Injury

% of Salary - Part B Excess Period (Days) - Part B

1 600 x 156 weeks 100.00 14

Part C - Weekly Benefits - Sickness

% of Salary - Part C Excess Period (Days) - Part C

1 600 x 156 weeks 100.00 14

Part D - Fractured Bones – Lump Sum Benefits

Part E - Loss of Teeth or Dental Procedures - Lump

Sum Benefits

Part E – Loss of Teeth or Dental procedures – Limit

per tooth

1 3,000 2,000 250

Corporate Image Protection Independent Financial Advice

1 15,000 7,500

Dependent Child Supplement – lump sum per child

Dependent Child Supplement – max per family

1 5,000 15,000

Partner Retraining Benefit Spouse/Partner Accidental death benefit

15,000 25,000

Tuition or Advice Expenses

1 750 per month. Payable up to 6 months

SECTION 2: Kidnap & Ransom / Extortion Cover

Category Maximum Per Event Trauma Counselling – per visit

Trauma Counselling – max per Covered Person

1 250,000 500 5,000

SECTION 3: Hijack & Detention

Category Sum Insured Daily Benefit Maximum Days Legal Costs

1 18,000 300 60 20,000

20

SECTION 4: Medical & Additional Expenses & Cancellation & Curtailment Expenses

Category Medical & Additional Expenses Excess

1 Unlimited 0

Reasonable funeral expenses

Ongoing medical expenses Dentures

1 7,500 0 0

Continuous Worldwide Bed Confinement Maximum Days

1 100 100

HIV/AIDS contracted through Injury or Accident

Trauma Counselling – per visit

Trauma Counselling –max per Covered Person

1 100,000 500 5,000

Cancellation & Curtailment Expenses Excess

1 Unlimited 0

Financial Insolvency – Per Covered Person Financial Insolvency – Annual aggregate limit

1 10,000 50,000

SECTION 5: ACE Assistance

Category Included

1 Yes

SECTION 6: Loss of Deposits

Category Sum Insured Excess

1 20,000 0

21

SECTION 7: Baggage / Business property, Electronic Equipment, Deprivation of Baggage & Money / Travel Documents

Category Baggage / Business Property Excess Limit any one (1) Item

1 20,000 0 5,000

Electronic Equipment Excess

1 20,000 250

Deprivation of Baggage Fraudulent use of Money/Travel Documents

1 3,000 3,000

Money/Travel Documents Excess

1 4,000 0

Identity Theft Extension Keys & Locks

1 20,000 2,000

SECTION 8: Alternative Employee / Resumption of Assignment Expenses

Category Sum Insured

1 10,000

SECTION 9: Personal Liability

Category Sum Insured Court Attendance – per day Court Attendance – Max amount

1 5,000,000 100 1,000

SECTION 10: Rental Vehicle Excess Waiver

Category Sum Insured Excess and/or no claim reimbursement

1 5,000 2,000

Motor vehicle hire – per week Motor vehicle hire – Max amount

1 500 2,500

SECTION 11: Extra Territorial Workers’ Compensation (any one (1) accident)

Category Weekly Benefits Damages, Costs & Expenses Aggregate Limit of Liability

1 1,000 1,000,000 1,000,000

22

SECTION 12: Missed Transport Connection


1 5,000

SECTION 13: Over Booked Flight


1 2,500

SECTION 14: Political & Natural Disaster Evacuation

Category Sum Insured (per person) Part B – Reasonable accommodation costs Per Day

1 20,000 250

Part B – Reasonable accommodation costs Maximum Day

Annual Aggregate

1 14 100,000

SECTION 15: Search & Rescue Expenses

Category Sum Insured (per person) Aggregate Limit of Liability

1 20,000 100,000

Aggregate Limit of Liability:

Any one (1) Period of Insurance (A): 5,000,000

Non-Scheduled Aircraft (B): 1,000,000

War and/or Civil War – Maximum liability per Event 500,000

War and/or Civil War – Total liability 1,000,000

Endorsements Overseas Visitors

It is hereby noted and agreed this Policy is extended to include overseas visitors to Australia and Papua New Guinea whilst on short term treks and whilst assigned to the Anglican Board of Mission. Maximum duration will be ninety (90) days

Non Scheduled Aircraft

Cover for Declared Diocese/Entities is allowed subject to an Aggregate Limit of Liability of $1,000,000

23

War Coverage Extension

It is hereby noted and agreed that, notwithstanding anything contained in the Policy to the contrary, with respect to Covered Persons on a Journey to or within Australia or their Country of Residence, or any of the following countries; Afghanistan, Chad, Chechnya, Cote d'Ivoire (Ivory Coast), Democratic Republic of Congo, Iraq, Israel, Somalia, Sudan, and in the event that War or Civil War breaks out in one of these, Cover is extended under this Policy for that Covered Person for the first forty-eight (48) hours of the War or Civil War breaking out, after which time all cover with respect to War or Civil War shall cease, unless We have been notified and agreed in writing to extend coverage for the duration of the Covered Person's Journey. An additional premium may be charged upon each declaration

Home / Car Modification Expenses

If a Covered Person suffers a Bodily Injury whilst engaging in the Voluntary Work of the Policyholder, resulting in the payment of a benefit under Part A, Events 2-9 of the Policy, and as a result of the Bodily Injury, the Covered Person requires Home, Workplace and/or Car modifications in order to assist the Covered Person in maintaining an independent existence, We will pay for such expenses incurred up to a maximum of $10,000 with respect to any one (1) Bodily Injury

Medical and Additional Expenses – Section 4

It is hereby noted and agreed that the Exclusion in respect of Section 4 - Medical and Additional Expenses relates only to those expenses for which a Medicare benefit is or would be payable

Additional Benefits Section 1 - Personal Accident & Sickness The following benefit is added to Section 1 - Additional Cover: If during the Period of Insurance and whilst the person is a Covered Person and on a Journey, the Covered Person dies within the first thirty-one (31) days of the Journey solely and directly as a result of a Specified Sickness which is unrelated to a Pre-Existing Condition, We will pay a lump sum benefit of $25,000. For the purposes of this endorsement, the following definitions apply: Pre-Existing Condition means

a. any physical defect, condition, illness or disease for which treatment, medication or advice (including advice for treatment) has been received or prescribed by a Doctor or Dentist in the twelve (12) months immediately prior to the Covered Person's Journey; or

b. a condition, the manifestation of symptoms of which a reasonable person in the circumstances would be expected to be aware of at the time of booking their Journey. Specified Sickness means a a. myocardial infarction (heart attack); or b. pulmonary embolism; or c. stroke; or d. rabies.

24

Section 5 - ACE Assistance

red24 - Travel Security Advice and Assistance ACE has partnered with red24, a crisis management assistance company, to provide a range of services to prepare the Covered Person for a Journey prior to its commencement as well as offer support whilst on a Journey to assist with a safe, uneventful and successful trip. Please note these services can only be accessed if the Covered Person has registered, therefore early registration is highly recommended. Refer to the registration details below. Registration: To access and register for the services provided for under the Policy: 1. log onto www.aceassistance.com 2. click on the red24 link.

Section 14 – Political & natural disaster evacuation

Specialist Security Services

If during the Period of Insurance and whilst the person is a Covered Person and on a Journey, it is deemed necessary by red24 to appoint specialist security personnel to provide assistance for and, if required be deployed to, the Covered Person due to a serious risk to their personal safety and/or security which is unforeseen and outside of the control of the Covered Person and Policyholder, then We will pay for the reasonable and necessary costs and expenses incurred by red24 on the Policyholder's behalf.

We will pay up to $50,000 per Covered Person per event for this benefit, notwithstanding the Annual Aggregate for all claims under this Section as noted in the above Schedule against Section 14.

25

Voluntary Workers Underwriter ACE Insurance Limited 55%

AIG Insurance 30% Zurich Insurance 15%

Policy Number AZGPA000219QLD

The Insured Any Diocese or any Incorporated or Unincorporated Body or any Association of the Anglican Church of Australia as declared to insurers including the Primate of the Anglican Church of Australia, The Metropolitan for each province, Anglican Defence Force Chaplains’ Inc all associated and/or all affiliated bodies deemed to be insured by any Diocese of Entity already an insured under this policy whether incorporated or unincorporated including national insurance program committee and manager or as now or as may be herein after constituted and their officers, contract workers, employees, voluntary workers, minister and lay ministers for their respective rights and interest or their joint and several liabilities.



Covered Person(s) / Categories Category A

This policy covers all Voluntary Clergy and Lay Voluntary Workers between 7 and 95 years of age anywhere in the world, whilst actually engaged in.

1. Any voluntary activity officially organised or authorised by the Policyholder

2. Any voluntary activity associated with joint ventures (with other denominations)

Category B

Not applicable.

Category C

Jobcare, Work Experience and similar programs organised by the Policyholder, persons undertaking work experience, job care and similar programs where the funding bodies (Program Sponsors) have not provided Personal Accident Insurance

** Please note – this does not include Voluntary Work Experience via Centrelinks Work for the Dole and mutual obligations schemes. **

Category D

Applicable to all Covered Persons undertaking voluntary work (work experience) for a policyholder via Centrelink’s work for the dole and mutual obligations

26

schemes.

Category E

Year 8-12 Students of any Anglican Church School in Australia engaged in work experience activities.

Scope of Cover In respect of Category A Covered Persons the cover applies to those insured events suffered by an Covered Person whilst actually engaged in voluntary work including necessary direct travel to and from such work or arising out of or during a journey (as defined hereunder) as per to the work undertaken on the Policyholder business, provided that the policy shall only apply in respect of such work officially organised by or under the control of the Policyholder.

In respect of Category B Covered Persons the cover applies to those insured events suffered by an Covered Person whilst actively engaged in work on behalf of the Diocese of Brisbane including necessary direct travel to and from such work arising out of or during a journey (as defined hereunder) undertaken on the Policyholder’s Business provided that the policy shall only apply in respect of such work officially organised by or under the control of the Policyholder

In respect of Category C Covered Persons the cover applied to those insured events suffered by a policyholder whilst actually engaged in work experience scope is extended to:

1. On the providers premises

2. Undertaking employment activities that the provider has directed them to do, including but not limited to, training, research into employment in local libraries, market research and

3. Travelling by the most direct route between:

a) the providers premises and the eligible job seeks home or Centrelink following referral;

b) the providers premises and job interviews; and

c) eligible job seekers home and job interviews, following referral by the provider

Provided that the policy shall only apply in respect of such work experience officially organised by or under the control of the Insured

In respect of Category D Covered Persons the cover applied to those

insured events suffered by a Covered Person whilst undertaking voluntary work (work experience) for an Insured via Centrelinks work for the dole and mutual obligation scheme. Including direct travel to and from such activities provided that the policy shall only apply in respect of such work experience officially organised by or under the control of the Policyholder In respect of Category E Covered Persons the cover applies to those insured events suffered by an Covered Person whilst on authorised and approved work experience programmes including travel to and from the location and travel incidental to the occupation.

Age Limit 7 to 95 years of age

27

Schedule of Benefits Sum Insured as per Table of Conditions – Each Insured Person

Section 1: Personal Accident and Sickness

Categories

Part A Table of Events Lump Sum Benefits Excess Period

A, B & C Only Events 1-19 $250,000 Not Applicable

D Events 1-19` $100,000 Not Applicable

Surgical Benefits – Injury Events 20-24 Not Insured Not Applicable

Categories

Part B Table of Events Lump Sum Benefits Excess Period

A&B Only Events 25-26 $2,000 Nil days

Student Tutorial Costs All categories

Benefit Period 104 weeks

$200 per week 7 days

Funeral Benefits All categories $5,000

Non-Medicare Expenses All categories $10,000

Aggregate Limit of Liability Any one period $2,000,000 Non-Scheduled Aircraft $ 100,000

Endorsements Non-Medicare Medical Expenses

If during the Period of Insurance and whilst on the voluntary work of the Policyholder, a Covered Person suffers from an Injury, We will pay the Non-Medicare Medical Expenses incurred up to the amount shown on the Schedule against Non-Medicare Medical Expenses.

Definitions Under Non-Medicare Medical Expenses

Non-Medicare Medical Expenses means:

(a) expenses incurred within twelve (12) months of sustaining an Injury; and

28

(b) expenses paid by a Covered Person or by the Policyholder for Doctor, Physician, Surgeon, Nurse, Physiotherapist, Chiropractor, Osteopath, Hospital and/or Ambulance services for the following treatments:

• Medical • Surgical • X-ray • Chiropractic • Osteopathic • Physiotherapy • Hospitalisation • Nursing

But excludes:

Dental Treatment, unless such treatment is necessarily required, to teeth other than dentures and is caused by the Injury referred to in (a) above, and • Services for which the Covered Person or Policyholder is eligible to receive Medicare benefits.

Conditions Applying To Non-Medicare Medical Expenses

1. Any benefit payable is less recovery made from any Private Health Insurance Fund.

2. No benefit is payable in respect of the Medicare gap between payment made by Medicare and charges incurred.

Funeral Expenses

It is hereby noted and agreed that where a Covered Person suffers an Accidental Death this Policy extends to cover the expenses of burial or cremation OR the cost of returning the Covered Person's body or ashes to their country and/or state of residence up to a maximum of $ 5,000.

agreement and the agreement of the Covered Person’s Doctor. Compensation under this provision will be limited to the actual costs incurred not exceeding $500 per month and will be payable for a maximum of six (6) months.

Home / Car Modification Expenses

If a Covered Person suffers a Bodily Injury whilst engaging in the voluntary work of the Policyholder, resulting in the payment of a benefit under Part A, Events 2–9 of the Policy, and as a result of the Bodily Injury the Covered Person requires home, workplace and/or car modifications in order to assist the Covered Person in maintaining an independent existence, We will pay for such expenses incurred up to a maximum of $10,000 with respect to any one (1) Bodily Injury.

29

Marine Transit Underwriter Vero Insurance Ltd

Policy Number MTD011526052

The Insured Any Diocese or any incorporated or unincorporated Body or any Association of the Anglican Church of Australia as declared to Insurers including all associated and/or affiliated bodies deemed to be insured by any Diocese whether incorporated or unincorporated or as now or as may be herein after constituted and their Officers, Employees, Voluntary Workers, Ministers and Lay Ministers for their respective rights and interests or their joint and several liabilities.

The Business Principally but not limited to religious organisations and affairs incidental thereto, encompassing Diocesan Administration, Investment and Superannuation Funds, Parishes, Caring Agencies, Aged Care, Childcare and similar centres, Kindergartens, Schools and Colleges (day and residential), Bookshops, Opportunity Shops, Charitable activities, Conference Centres, Investment Properties, property owners/occupiers and the like and any other occupation incidental thereto.

Interest Insured Household goods and personal effects

Conveyances Road, rail, air, sea and/or post Voyages

Voyages (a) Inland from Australia wide to Australia Wide (b) Imports from World Wide to Australia Wide (c) Exports from Australia Wide to World Wide

Excluding Abkhazia, Afghanistan, Angola, Armenia, Azerbajan, Burundi, Cambodia, Chechnia, Colombia, Eritrea, Guinea-Bissau, Iraq, Iran, Indonesia other than the island of Java, Israel, Palestinian Authority, Pakistan, Liberia, Nigeria, Rwanda, Sierra Leone, Sri Lanka, Democratic Republic of Congo, Zimbabwe, Somalia, Yemen

Basis of Valuation Replacement Value (up to 10 years old)

Limit of Liability Inland $250,000 any one conveyance or location Import $250,000 any one conveyance or location Export $250,000 any one conveyance or location

Excess Nil

Policy Wording Vero – Household Removals Insurance PDS and Policy Wording – All Risks cover

Endorsements Cover in storage to a maximum of 90 days

Imports and Exports As declared – premium calculated on a rate of 2.5% of sum insured and payable at time of transit

30

Claims procedures General This section is designed to provide assistance in procedures to be followed in the event of any incident that might give rise to a claim occurring under any of your insurance policies.

All claims (except where otherwise agreed and noted herein) are to be reported immediately.

To enable the processing of the claim without delay and to minimise the possible damage or injury incurred, it is important that the following action be taken.

1. All reasonable steps should be taken following an accident or loss to protect the property or person from any further damage or injury.

2. Subject to the procedure for dealing with simple claims any incident which may give rise to a claim should be immediately reported to Aon to avoid any potential for denial of liability from underwriters alleging late notification.

3. Any loss by theft and/or wilful or malicious damage should be immediately reported to the nearest Police station.

4. Comply with the relevant claims procedure specific to the class of insurance for which the claim applies to.

5. Complete the correct claim form and attach all associated claims documents. Where a specific claim form has not been specified, the Aon General Claim Form should be used.

6. Forward claim documentation including any supporting papers without delay. Documentation for simple Travel, Personal Accident, Expatriate Medical, Baggage and Motor Vehicle claims should be forwarded directly to the Insurer in accordance with the procedure set out in the following pages.


Phone: 02 6642 4122

Fax: 02 6643 1814

[email protected]

31

Industrial special risks Property (Material) Damage Generally, such claims relate to loss or damage to your property which may involve events such as fire, storm, explosion, flood, theft/burglary, malicious damage, etc.

Where there has been loss or damage to your property:

1 Take all reasonable steps to protect property from any further loss or damage.

2 Call the Police or other Emergency Services as required. Any loss by theft or wilful or malicious damage should immediately be reported to the nearest Police Station and details of the attending Police noted.

3 If you suspect that the loss or damage may exceed the policy deductible, notify Grafton Registry immediately of the details of the claim (e.g. description of incident, amount of loss, etc.). The Registry will obtain further instructions on how to handle the claim.

4 Where required, complete a Claim Form and all claims documents as soon as possible after the occurrence whilst memory of the incident is still fresh in the minds of all concerned.

5 Ensure full cooperation with the Loss Adjuster appointed by your underwriter.

Business Interruption (BI) This section relates to the consequential loss of profits that may occur as a result of a material damage loss, covered under the Industrial Special Risks policy.

In the event of a loss, the following steps should be taken:

1 Inform Grafton Registry of a potential BI Loss.

2 Grafton Registry will organise a meeting with Aon Risk Accounting to understand your policy entitlement. Particularly whether the policy will respond to cover all losses including subsequent expenditure incurred to mitigate loss or restore normal business.

3 Consider appointing Aon Risk Accounting to represent your interests in:

- estimating loss, - exploring appropriate loss mitigation initiatives, - establish a plan to prepare claims for the purpose of restoring cash flow, - assist in managing and responding to requests raised by the underwriter’s appointed Loss Adjuster, - collate necessary information required by the Loss Adjuster.

4 Set up separate ledger accounts to capture all additional costs.

5 Copy all related invoices and create separate files for the purpose of substantiating any claim.

6 Inform all sales staff to record details of sales orders placed which cannot be met due to interruption.

7 Do all things reasonably practicable to minimise interruption to business.

32

General and products liability Under No Circumstances Must Liability Be Admitted Either Verbally Or In Writing.

Upon the happening of any incident likely to give rise to a claim, the following points must be noted:

1 All reasonable steps should be taken following an accident or loss to protect the person or property from any further injury.

2 Advice must be forwarded to Grafton Registry, together with originals of all correspondence received from a third party and any other supporting documentation (e.g. incident report)

3 Where an Incident Report is to be completed, bear in mind the following:

Be Discreet – Do not complete the Incident Report in front of the injured person. This may signal that an insurance claim may be possible.

Be Specific – Remember, the report you write may be forwarded to your underwriter for assessment and evaluation purposes and may be admitted as evidence in court. Be specific and comprehensive in your details.

Provide Full Details – Detail (no matter how trivial it may seem at the time), is the most essential component of your Report. In most instances, if the claim ever reaches a court of law, it may be several years down the track. Nobody will remember the specifics unless you write them down at the time of the Report.

4 No correspondence should be entered into with a third party except acknowledgement of receipt of the claim. The acknowledgement letter should read as follows:

"Without Prejudice"

We acknowledge receipt of your correspondence concerning an incident at [Location]. This is receiving our attention.

5 Do not give any interview or make any statement to a Loss Adjuster or other person investigating any accident or damage unless such person is acting on behalf of your underwriter.

33

“Claims Made” policies This section provides guidance on the procedure for notifying a claim or circumstances that might give rise to a claim under “Claims Made” policies.

The following policies are generally underwritten on a “Claims Made” basis:

• Directors’ and Officers’ Liability/Company Reimbursement Insurance,

• Professional Indemnity Insurance,

• Crime/Fidelity Insurance,

• Trustees’ Liability Insurance,

• Employment Practices Liability Insurance.

The trigger of “claims made” policies is the date an Insured or its representative first becomes aware that a potential claim may be made as a result of an alleged breach or an alleged error or omission.

This is different from other policies (e.g. General Liability, Property) which operate on an “occurrence” basis where the trigger is the date on which the incident giving rise to the claim occurred.

“Claims Made” policies typically contain an exclusion which provides that the policy will not cover claims where the claim or circumstance was known to the Insured prior to the inception of the policy.

Such policies also require that the claim or circumstances which may give rise to a claim in the future, be notified to the underwriter within the currency of the policy, as a pre-condition to indemnity.

In effect (and subject to Section 54 of the Insurance Contracts Act), there is no cover for anything known before the policy period or for anything which is known to the Insured during the policy period but not notified to underwriter during the policy period.

Aon strongly recommends that all facts and/or known circumstances that may have the potential to give rise to a claim in the future be notified within the current period of insurance.

Notifiable Matters The following provides a practical guide as to notifiable matters:

1 Claims:

- civil proceedings or written demand against the Company and/or individual insured seeking damages e.g. letter of demand alleging breach of employment practices duty,

- criminal proceedings against the Company and/or an individual insured e.g. charge of breach of Occupational Health & Safety Act,

- administrative or regulatory proceedings e.g. notice of proceedings for breach of Corporations Law regulations.

2 Circumstances:

- awareness of conduct which may give rise to civil proceedings e.g. through allegations of breach of employment practices,

- awareness of conduct which may have breached laws and which may result in criminal proceedings against an Insured and its representatives,

- awareness of a breach of regulations which may give rise to administrative or regulatory proceedings.

3 Securities Claim:

- written demand against the Insured seeking damages, e.g. alleging inadequate disclosure in a company document.

34

4 Representation at investigations and examinations:

- receipt of notice (written or oral) that a representative of the Company and/or individual Insured is required to attend or appear at an official investigation, examination or inquiry into the affairs of the Company.

Notification Procedure When an employee or officer becomes aware of a potential Claim or Circumstances:

1 Immediately advise the Registrar of The Anglican Diocese of Grafton (02 6642 4122; [email protected]) so that appropriate notification can be given to Aon.

2 Information forming part of the initial notification:

- brief synopsis or overview of the facts, - intended course of action contemplated by the Insured in establishing the exposure of any Insured Person

and/or the Company in terms of liability and quantum, - any additional information available in support of notification.

3 When dealing with an initial complaint or potential claim, it is imperative that the Insured and/or its Representatives does not admit liability and does not make any offer of settlement nor incur defence costs without seeking prior approval and consent from underwriter(s). To do so could be construed as a failure to comply with policy conditions and has the potential to prejudice Insured’s position under the relevant policies.

4 Complete underwriter’s Claim Forms where required.

35


Motor Vehicle Fleet Insurance In the event of the unfortunate circumstance that your motor vehicle is damaged or stolen please contact Vero Claims First Response Unit on 1800 222 043 and advise the operator that you are driving a vehicle covered by policy number MSL071341823.

This can be done at the scene of the accident if you have a mobile phone. It will take approximately 10 minutes and the operator will talk you through the claim and take all details. They will also manage the repair process and expedite settlement of your claim and arrange a Contact Relationship Plan.

Do not fail to also notify the Grafton Registry so that claims can be tracked and claim history correctly recorded.

The First Response Unit is open to take calls 24 hours a day/7 days a week. If you do not make the call from accident scene, make it as soon as possible thereafter. If this is completed straight away it will not be necessary to complete any further claim forms.

At The Scene Of The Accident:

1. Ensure your safety, the safety of others and of the vehicle(s) and belongings.

2. Do Not Admit Any Liability.

3. Comply with Police reporting requirements.

4. If another vehicle(s) or other person(s) property is involved, obtain:

(i) The owner’s names, address and telephone number.

(ii) The driver’s name, address, telephone number and if applicable license number.

(iii) The name of the owner’s insurance company.

(iv) The make, type and registration number of the vehicle(s).

(v) The name and address of any witnesses and who they will be a witness for.

5. As soon as possible contact your superior and advise them of the accident and the action you have taken.

36

Travel, personal accident, expatriate medical, baggage and motor vehicle claims procedure As indicated throughout this Section of the Report, timely notification of claims (and events that may give rise to claims) is critical to the maintenance of effective insurance cover. Timely notification is essential whether claims are dealt with on an occurrence basis or a claims made basis and once the insured has advised Grafton Registry of a claim (or incident that may give rise to a claim) it will normally be Grafton Registry’s responsibility to notify Aon who will take the matter to the insurer.

However, there are a number of classes of insurance coverage where additional handling of claims by intermediaries can be counter-productive to efficient, timely and cost effective resolution.

Consequently, Aon has developed a procedure whereby simple, low value claims arising from the following coverage classes will in future be directly reported to, and subsequently managed by, Insurers.

The Categories are: • Travel • Personal Accident • Expatriate Medical • Baggage • Motor Vehicle

The procedure for managing claims that fall into these categories is as follows:

1 The client lodges the claim and supporting documentation directly with the insurer either by sending a claim form to the insurer or notifying by telephone, fax or email. Contact details to be provided as part of the renewal process.

2 The insurer reviews the claim and undertakes the process of managing the claim to finalisation. If further information is required the Insurer will approach our client directly to obtain such.

3 Resolution of the claim will take place between the Insurer and the client.

4 If the eventual outcome of the claim fits any of the criteria outlined in the escalation process then the claim is referred to Aon for discussion prior to any outcome being conveyed to the client.

Aon is very much aware that appropriate claims outcomes are of paramount importance to our clients.

To ensure that the right outcomes are achieved in relation to the categories described above, Aon has put in place appropriate Service Level Agreements with Insurers, together with inbuilt escalation points, to ensure that Aon is advised should claims management by Insurers not meet client expectations or the matter is, or could become, complex or of high value.

Do not fail to also notify the Grafton Registry so that claims can be tracked and claim history correctly recorded.

Escalation Points The escalation points are designed to ensure that Aon becomes involved in the claim if there is a risk that the outcome could have a detrimental impact on the client. They are built into the process to ensure that Aon Claims Services and the clients Relationship Manager, are engaged by the insurer when necessary.

Examples of escalations include: • any areas of coverage dispute such as denial, limited indemnity etc, • the claim is, or has potential to be of high quantum (>$100 000), • claimant is an identified party or VIP e.g.: CEO, CFO, COO, CIO, MD, Partners & Directors.

37

Corporate travel Overseas Emergency Assistance Travel Emergency Cards has been issued by your Corporate Travel underwriter and can be obtained from Aon. Please contact Grafton Registry (02 6642 4122; [email protected]) to organise your Travel Emergency Card.

These cards contain a reverse charge telephone number (as follows) which will allow a traveller to access emergency assistance:

Emergency assistance may include one or more of the following services but only if they are considered necessary and organised by your underwriter’s Emergency Assistance service:

• repatriation by the most appropriate method including, if necessary, the use of air services. Repatriation will be to the most suitable hospital or to the Insured Person's home address,

• payment of evacuation expenses, including necessary expenses incurred for qualified medical staff to accompany an Insured Person,

• payment of other emergency assistance expenses, • worldwide 24 hour telephone access, • emergency travel assistance, • emergency medical evacuation, • medically supervised repatriation, • assistance in replacing a lost or stolen passport, • legal assistance, • interpreter access and referral, • compassionate visit if travelling alone and hospitalised for more than a week, • assistance in tracing delayed or lost luggage, and • payment of approved medical services by claims process or redirection of hospital accounts.

All Other Claims (Non-Emergencies) 1 Where there has been loss or theft/burglary of luggage, personal effects, travel documents, laptop computers,

money and credit cards, report the loss to the local police or responsible officer of any airline or vessel on which you are travelling. A copy of the police report or the airline’s acknowledgment and their reply for compensation must be retained and forwarded to your underwriter.

2 Complete the Corporate Travel Claim Form and attach additional supporting documentation such as:

- quotes for replacement baggage, - overseas medical invoices, - invoices/receipts for emergency purchases of clothing etc., - documentation to support curtailed travel due to illness (e.g. doctors certificate and travel invoices to verify

amount claimed),

38


- confirmation from airline, hotel and/or police if items are lost or stolen.

3 Forward the completed Claim Form, together with all supporting documentation directly to the insurer together with a short covering summary outlining brief circumstances of the claim.

39

Personal accident In the event of injury, an Insured Person must:

1 Follow medical advice from a legally qualified and registered medical practitioner as soon as possible after sustaining the injury.

2 Complete the relevant Claim Form and forward it directly to the insurer without delay. (Please send a copy of this form to Grafton Registry to aid effective management of claims.)

3 Undergo any medical examination by a doctor appointed by the underwriter if required.

4 Provide the underwriter with any additional information which they may require about the claim e.g. doctors’ report.

5 When lodging a claim, an Insured Person must advise the underwriter of any other insurance that may cover the same injury.

40

Marine transit 1 Should insured goods be received in a damaged condition or if there is any reason to suspect damage, the

attention of the Carrier's or Shipper's Representative should be immediately drawn to same and the delivery receipt claused accordingly.

2 In the event of suspected damage, it is suggested that the receipt be claused "Goods believed to be damaged. Accepted subject to survey in store".

3 If there has been any malicious damage, burglary or theft, the police should be notified.

4 A letter of claim should be immediately lodged with the Carrier or Shipping Company's Agent holding them responsible. The following is a sample letter of demand:

Dear

We are the owners of machinery/stock which was damaged whilst in transit from [ ] to [ ] on [Date].

Since you were the carrier/shipper, we are holding you responsible for the loss.

We are claiming payment of $[Amount] from you which is the cost of repair / reinstatement as shown on the enclosed invoice.

Please make payment within seven days from the date of this letter.

Yours faithfully,

5 Notify Grafton Registry of the loss or damage and provide an estimate of repair or replacement cost. Grafton Registry will inform Aon who will notify the underwriter and arrange for a surveyor if required.

6 Send the completed claim form to Grafton Registry together with the following documentation:

- supplier’s invoice, - bill of lading or consignment note, - claim on Carrier and reply, - delivery receipt, - original freight note or carbon copy, - details of possible salvage, - any other relevant documentation.

41

Stallholders Accident Reporting and Investigation

You must report to your insurer all accidents and incidents involving third parties, including:

• All serious bodily injury incidents including concussions: • Any injury involving a fractured/broken bone; • Any injuring requiring serious medical attention, ie stitches; • Any incident requiring an ambulance to be called; • Damage to property of a third party: • Any incident involving an aggressive customer who makes mentioned of taking the matter further, regardless of the

severity of injury.

You must investigate the matter and complete and return a full Incident Report within 24 hours of the accident.

What if the Incident Occurs Without My Knowledge?

Your customers should be informing you of incidents that occur in areas that are your responsibility. It is the Manager’s responsibility to have a method of capturing your customers’ incidents. Any incident that potentially could result in liability to you need to be reported to Proclaim for immediate assessment.

First Aid and What Should You Do After A Customer Incident

• Provide a high standard or care and response. If you have staff members trained in first aid, ensure they assist to the extent possible.

• If requested by the injured person – call for a supervisor, a person experienced in first aid, a doctor/ambulance or the injured person should be accompanied to the nearest medical surgery/hospital. Call an ambulance or doctor for serious injuries.

* While you should not admit liability, that is not an excuse for not providing a high standard of care. Incident Report • Complete the Incident Report/Customer Injury form as soon as the injured person departs. • Witnesses should be identified on the Incident Report. • Ensure you have accurate detail of the injured person (including contact details) and have recorded details of the

injury. • If it is a slip or fall injury, inspect the area the incident occurred for reasons for the fall. Also not the customer’s

footwear or any other factor that may have contributed to the incident (intoxication, skylarking, lack of supervision). • In the event of property damage, supply full details of the item damages and contact details for the owner

Follow Up!

The person who attended to an injured customer should work with Proclaim, as they will follow up within a week to ensure the customer is OK. Any complaints should be recorded and communicated to Proclaim.

What If They Ask Me To Pay Bills?

Any request for payment of medical bills or compensation should be directed to our accident management team at Proclaim.

42

How Do I Complete The Incident Report Form?

To complete an internet Incident Report Form go to www.proclaim.com.au

Username: clubsonline Password: direct

43

Workers’ compensation When an employee sustains an injury as a result of an accident arising out of or in the course of his or her employment:

1 The particulars of the injury must be reported to the employee’s supervisor.

2 Details of the incident must be recorded in the appropriate Register and the appropriate Workers Compensation claim form must be completed.

3 The claim form and incident must then be reported to the appropriate insurer or claims agent. Grafton Registry holds Workers’ Compensation Insurance for those on the Grafton Registry Payroll and claims under that policy need to be notified to the Grafton Registry as soon as possible.

4 In the event of a serious accident where there may be a possibility of Common Law action against the Company, the Registrar or the Company Secretary or other designated officer must be advised immediately.

44

Claim forms

45

ANGLICAN DIOCESE OF GRAFTON

PROPERTY INSURANCE CLAIM FORM Claim no GRISR………………… Entity::………………………………………………………A.B.N.………………………………. Address:……………………………………………………………………………Post Code…………. GST registration: Yes No Particulars of loss or damage: Date: …………………….. Time: ………………………… Location:……………………………………………………………………………………………………. Full description (including cause): …………………………………………………………………. …………………………………………………………………………………………………………………. …………………………………………………………………………………………………………………. …………………………………………………………………………………………………………………. Specify remedial action taken to prevent a recurrence: ………………………………………………………………………………………………………………… ………………………………………………………………………………………………………………… Has loss been reported to the police? No Yes Attach report List property lost, stolen or damaged: Description of Property Replacement cost $

Net of GST Total replacement cost Net of GST $ Less policy excess $ Total amount claimed $

PLEASE ATTACH COPIES OF QUOTATIONS OR INVOICES FOR REPAIR OR REPLACEMENT. Name: ………………………… Position …………………… Phone:……………… Fax ………………… Email ……………………… Signature: ……………………………………………….. Date: ……………………

46

ANGLICAN DIOCESE OF GRAFTON

ACCIDENT / INCIDENT REPORT (use only for personal injury to a Third Party or for damage to Third Party property)

Entity:………………………………………………………A.B.N.……………………………….. Address: ………………………………………………………………………Post Code………………. GST registration: Yes No Date of Accident / Incident ………………………. Time of Accident / Incident ………….. Details of injured person involved: Employee Volunteer Contractor Visitor Name: ………………………………………… Date of Birth: ……………… Sex: M / F Injury Details: Bodily location of injury ………………………………………………………………………………… Nature of injury ………………………………………………………………………………………………………………… ………………………………………………………………………………………………………………… ………………………………………………………………………………………………………………… Was person hospitalised as a result of accident / incident? Yes No Name of any witness(es) ………………………………………………………………………………….. Accident / Incident Details Location of the Accident / Incident ……………………………………………………………………… What do you consider caused the Accident / Incident? …………………………………………….. ………………………………………………………………………………………………………………….. …………………………………………………………………………………………………………………..

47

Specify remedial action taken to prevent a recurrence: …………………………………………….. ………………………………………………………………………………………………………………….. ………………………………………………………………………………………………………………….. Third Party Property Damage details: Particulars of loss or damage: Date: …………………….. Time: ………………………… Location:……………………………………………………………………………………………………. Full description (including cause):……………………………………………………………………… …………………………………………………………………………………………………………………. …………………………………………………………………………………………………………………. …………………………………………………………………………………………………………………. Specify remedial action taken to prevent a recurrence: …………………………………………… ………………………………………………………………………………………………………………… ………………………………………………………………………………………………………………… ………………………………………………………………………………………………………………… Further Comments: ……………………………………………………………………………………….. ………………………………………………………………………………………………………………… ………………………………………………………………………………………………………………… ………………………………………………………………………………………………………………… Name: ……………………………………. Position: …………………………….. Phone: ……………….. Fax: ……. ………………… Email: …………………………………… Signature: ……………………………………………….. Date: ……………………

48

Certificates of currency From time to time, you may be required to provide evidence of insurance cover to interested parties such as lessors, financiers, etc. Included are generic certificates relating to your property and liability insurance policies.

Where additional interests are required to be noted on the policies, please provide the relevant details to your Aon contact who will then arrange for the certificates to be issued.

49

50

51

52

53

54

55

56

57

Coverage The Anglican Diocese of Grafton has procured insurance on behalf of the Diocese in general which includes the following bodies:

The Anglican Diocese of Grafton The Corporate Trustees of the Diocese of Grafton (specifically including commercial properties that form part of the Dick Estate) The Bishop’s Registry Anglican Funds Grafton Diocese Parishes of the Anglican Diocese of Grafton Anglican Parish of Alstonville Anglican Parish of Ballina Anglican Parish of Bangalow Anglican Parish of The Bellinger Anglican Parish of Byron Bay Anglican Parish of Casino Anglican Parish of Coffs Harbour Anglican Parish of Dorrigo Anglican Parish of Grafton Anglican Parish of Kempsey Anglican Parish of Kingscliff Anglican Parish of Kyogle Anglican Parish of Lismore Anglican Parish of Lower Macleay Anglican Parish of Macksville Anglican Parish of Maclean Anglican Parish of Mid-Richmond Anglican Parish of Mullumbimby Anglican Parish of Murwillumbah Anglican Parish of Nambucca Heads Anglican Parish of Northern Beaches (Woolgoolga) Anglican Parish of Orara Valley Anglican Parish of Port Macquarie Anglican Parish of Sawtell and Bonville Anglican Parish of South Grafton Anglican Parish of Tweed Heads Anglican Parochial District of Upper Clarence Anglican Parish of Wauchope Schools of the Anglican Diocese of Grafton Bishop Druitt College (Coffs Harbour) Clarence Valley Anglican School (Grafton) Emmanuel Anglican College (Ballina) Lindisfarne Anglican Grammar School (Terranora) St Columba Anglican School (Port Macquarie) Columba Cottage Early Learning Centre Other Organisations Anglicare North Coast Inc. CASPA (North Coast Children’s Home Inc.) St Cuthberts Retirement Living Complexes

58

The insurance cover is common to all of the above with respect to Industrial Special Risks, General and Products Liability, Professional Indemnity, Management Liability, Business Travel and Voluntary Workers Insurance. Insurance for Business Interruption, Motor Vehicle, Marine Transit and Stallholders Insurance or any specialised cover is based on the a specific declaration and request of the organisation of the Diocese and hence this type of cover is not to be assumed as common across the diocese. Workers Compensation and Income Protection Insurance are outside of the scope of this manual. In both cases, the Anglican Diocese of Grafton has organised cover for some or all of those people participating in the Diocese’s centralised payroll. Any enquiry to clarify whether this coverage applies to a particular individual can be made to [email protected]

59


About Aon Aon Corporation (NYSE: AON) is the leading global provider of risk management services, insurance and reinsurance brokerage, and human capital consulting. Through its more than 36,000 colleagues worldwide, Aon delivers distinctive client value via innovative and effective risk management and workforce productivity solutions. Aon's industry-leading global resources and technical expertise are delivered locally through more than 500 offices in more than 120 countries. Named the world's best broker by Euromoney magazine's 2008, 2009 and 2010 Insurance Survey, Aon also ranked highest on Business Insurance's listing of the world's largest insurance brokers based on commercial retail, wholesale, reinsurance and personal lines brokerage revenues in 2008 and 2009. A.M. Best deemed Aon the number one insurance broker based on brokerage revenues in 2007, 2008 and 2009 and Aon was voted best insurance intermediary, best reinsurance intermediary and best employee benefits consulting firm in 2007, 2008 and 2009 by the readers of Business Insurance. For more information on Aon, log onto aon.com.

Copyright 2010 Aon Inc.

60

Statutory and other notices Please note that except where specifically advised by the Grafton Registry, contact regarding disclosures, claims and potential claims is to be through the Grafton Registry who will coordinate the correspondence with Aon. This approach is taken to ensure that there is a consistent approach and the Registry is fully aware of conditions affecting insurance and the progress of claims and enquiries.

It is essential that you carefully read and understand the following notices. If you have any queries please seek advice from Aon.

Duty of Disclosure In accordance with the provisions of the Insurance Contracts Act 1984 (Cth), you and everyone who is an insured under your policy and/or everyone who arranges insurance on behalf of a business entity and/or body corporate, must comply with the Duty of Disclosure. Make sure that you explain the duty to any other insureds you apply on behalf of and/or to others involved in arranging insurance.

The duty requires you to tell an insurer certain matters which will help it decide whether to offer insurance and, if so, on what terms.

The duty applies at the first application for a policy and on any renewal, variation, extension or replacement of the policy.

The type of duty that applies can vary according to the type of policy.

To assist Aon in protecting your interests, it is important that you tell us every matter that:

• you know , or • a reasonable person in the circumstances could be expected to know, • is relevant to the insurer's decision whether to offer insurance and, if so, on what terms.

Aon will then assist you in determining what needs to be disclosed to the insurer in order to meet your duty.

Examples of matters that should be disclosed are:

• any claims made in recent years for the particular type of insurance; • refusal by an insurer to renew a policy; • any unusual feature of the insured risk that may increase the likelihood of a claim.

Failure to comply with the duty may give the insurer the right to cancel the policy or reduce the amount it pays in the event of a claim. If the failure to comply with the duty is fraudulent, the insurer may treat the policy as if it never existed and pay nothing.

Even if Aon is handling claims for you, you must disclose these matters on your proposal. Aon cannot complete or add to your proposal in any way.

If you are uncertain about whether or not a particular matter should be disclosed, please contact Aon.

The Duty of Disclosure must be taken seriously as it may affect your right to claim.

The history of losses suffered and claims made by the party seeking insurance, or any person, firm or company closely associated with that party, is one of the principal matters to be disclosed. It is therefore imperative that you maintain an up-to-date record of all such losses and claims.

61

Whilst Aon will maintain records of all losses reported to us during the term of our appointment as your Broker, we do not accept responsibility for obtaining details of prior losses or for checking in any particular instance that you have made proper and complete disclosure.

We recommend you:

• supply all management and senior staff with a copy of the Duty of Disclosure Notice; • emphasise to them that the Duty of Disclosure applies not only at inception of the insurance, but also when policies

are altered or renewed; • point out to them that disclosure is most important in matters touching upon past claims, cancellation of insurance

covers, premium penalties and any other matters which may influence an underwriter’s acceptance of the risk such as criminal convictions or insolvency of previous companies; and

• have a system in place which ensures that all relevant matters come to their attention.

Waiver of Rights Some policies contain a clause that limits or excludes claims where the insured has limited its rights to recover a loss from another party in circumstances where that other party is responsible for the loss. For example, this may happen where the insured has entered into a contract limiting the liability that the other contracting party would have been under in the absence of the contract.

If you have entered into, or propose to enter into a contract which might limit rights against another contracting party, please let Aon know, so that we can advise you about how the agreement affects, or will affect, your cover.

Claims Made Policies Directors’ and Officers’ Liability, Comprehensive Crime, Professional Indemnity and Superannuation Trustees’ Liability policies and some other liability policies are written on a “Claims Made” basis.

This means that they cover only those claims made against you during the period of insurance. In some cases you must also notify the insurer of the claim during the period of insurance.

A Claims Made policy does not provide cover in relation to: • claims made after the expiry of the period of insurance even though the event giving rise to the claim may have

occurred during the period of insurance; • claims notified or arising out of circumstances notified under any previous policy; • claims made against you prior to the commencement of the period of insurance; • claims arising out of circumstances noted on the proposal form for the current period of insurance or on any

previous proposal form; and • events that occurred prior to the retroactive date of the policy (if such a date is specified).

However, where you give notice in writing to the insurer of any facts that might give rise to a claim against you as soon as reasonably practicable after you become aware of those facts, but before the expiry of the period of insurance, the policy will, subject to its terms and conditions, provide cover even if that claim is made after the expiry of the period of insurance. For this reason, you must send us written notice during the policy period of any facts or events that might give rise to a future claim. If you do not, you may not have cover if a claim arises later. Upon expiry of the policy no further claims can be made thereunder and the need to maintain insurance or the arrangement of run-off cover is essential.

Occurrence Basis Policies Combined General Liability, Industrial Special Risks, Travel, Aviation, Contract Works, Marine policies and some other policies are written on an occurrence basis.

62

This means when there is an incident/occurrence giving rise to a claim, the policy that responds is the policy that was in force at the time of the incident/occurrence.

Interests of Other Parties Many policies exclude cover for an interest in the insured property held by someone other than the named insured, unless that interest is specifically noted on the policy. For example, if property is jointly owned, or subject to finance, the interest of the joint owner or financier may be excluded if it is not specifically noted on the policy.

Generally, the safest course is to have all interests in all property insured noted on each policy.

Unauthorised Foreign Insurers If one or more of the insurance companies concerned with a particular policy is an unauthorised foreign insurer, Aon will notify you of this fact. An unauthorised foreign insurer is an insurer that is not located in Australia or authorised under the Insurance Act 1973 to conduct insurance business in Australia.

Such insurers are not subject to the provisions of the Act, which establishes a system of financial supervision of general insurers in Australia that is monitored by the Australian Prudential Regulation Authority (APRA).

Aon can only place a policy with an unauthorised foreign insurer if the policy qualifies for limited exemptions that are available under the Act. In all other cases Aon can only place insurance with APRA-authorised insurers.

Please note that at Aon we do not propose insurers to our clients unless we believe that they are reputable and have an acceptable level of financial security. However you should note the following in relation to unauthorised foreign insurers:

• In no case does Aon warrant or guarantee the current or ongoing solvency of an insurer when you buy insurance. We cannot accept responsibility for the financial viability of any insurer because this is beyond our area of expertise and we have no control of the insurer's performance which can be affected by many complex commercial and economic factors. The solvency of an insurer can change significantly between the time an insurance contract is entered into and the time a claim may be made.

• Your policy will identify if it and the insurer are to be subject to Australian law and jurisdiction. • Where they aren't subject to Australian law and jurisdiction, you may not have the protection of Australian

legislation such as the Insurance Contracts Act 1984 and you may have to resolve any dispute in a foreign jurisdiction.

• Even where they are subject to Australian law and jurisdiction, we do not warrant or guarantee that this will be the case and there is a risk that the insurer will not meet its obligations and you may need to seek to enforce your rights against it in a foreign jurisdiction.

In order to make your decision you can obtain further information from Aon on the insurer such as where it is incorporated, its paid up capital, whether it is subject to financial regulation, its rating by credit rating agencies and its financial reports.

Utmost Good Faith Every contract of insurance is based on the principle of utmost good faith, requiring each party (which means both you and the insurer) to act towards the other party in respect of any matter arising under the contract, with the utmost good faith. If you fail to do so you may prejudice your rights under the policy and in particular, any claim.

Change of Risk or Circumstances It is important that you advise Aon of any material alterations to your business or products or indeed of any development which may have a bearing on the adequacy of your Insurance Program.

63

Your insurers have assessed and accepted your risks at an agreed premium on the basis of information provided during the placement and/or subsequent renewals of your insurance policies. Any variation of those details, if not advised to them, could prejudice the insurance cover.

The following list may be used as a guide to activities that should be notified to Aon when they are being proposed or when they occur so that action can be taken to ensure your interests are adequately protected. It is by no means a complete list so, when in doubt, contact Aon for guidance:

• Acquisition of new companies and/or mergers and/or joint ventures (including sale or disposal of subsidiary companies).

• Purchase, construction or occupancy of new premises, alteration, vacation, temporary unoccupancy, extension or demolition of existing premises. Details of any new building or alteration work should be advised during the planning stage.

• Proposed installation of significant items of plant, machinery or equipment. • Increase in value in excess of insured limits for buildings, plant and stock. • Substantial removal of stock or equipment to other locations. • Contractual liabilities (i.e. leases, hiring agreements), particularly any contracts which impose greater than usual

liabilities. • Granting of indemnities or hold harmless agreements e.g. lease agreements, contracts for supply or maintenance

of fire protection and/or burglary protection equipment. • Changes in processes, property occupancy, products or extension of business operations, including new products

or processes. • Alteration, amendment to or disconnection of fire or burglary protection systems. • Charter or operation of aircraft or waterborne craft, other than ordinary commercial passenger travel. • Developments involving establishment or extension of overseas operations or export of products. • If Fidelity Guarantee (or Employee Theft) is insured, any alteration to the system of checks, supervision, audits and

the like must be advised to insurers immediately. • Issuance of any shares, debentures, ADRs; issuance of a prospectus or Information Memorandum; listing on a

stock exchange; issuance of public or private offerings. • Advice of other activities which could affect the nature of the risk originally accepted by insurers.

Early notification of development projects at the planning stage will enable Aon to further assist you by: • developing a sound and economical approach to construction insurance ; • reviewing indemnity and insurance clauses of contracts to ensure they are drafted in your best interests and do not

prejudice your insurance program ; • mutually analysing and agreeing upon standards of fire protection and security ; • introducing Aon’s experienced consultants, to advise you on important aspects of Safety and Risk Management ; • mutually analysing your exposure to financial loss if the project is delayed , to determine your need for Advanced

Business Interruption Insurance.

Average (Co-Insurance) Clause Many policies, principally Industrial Special Risks (Material Damage and Business Interruption), Fire and Perils, General Property, Computer and Machinery Breakdown, contain an “average” (otherwise called “co-insurance”) clause. This type of clause requires you to bear a proportion of each loss or claim if the sum insured is inadequate to cover the full potential loss. In effect, you are treated as if you self-insured a proportion of the risk because you did not insure the full value of the risk.

In order to avoid the application of average to a claim it is essential to ensure that the level of insurance is adequate whenever you arrange a new policy or renew an existing one. If insurance is on a “reinstatement and replacement” basis (i.e. “new for old”), the sum insured must be for the full cost of replacing the insured property with new property.

Aon does not calculate or approve the sums insured that you notify to us. Aon has a specialist division which offers valuation services. If you would like to know more about this service, please contact your Aon representative.

64

Note: Insurance valuations typically represent reinstatement / replacement costs and estimates of related professional fees exclusive of GST, on the assumption that most commercial property owners will be entitled to a 100% Input Tax Credit on outlays incurred in the event of a loss.

It is customary for insurers to establish an insured’s GST status upon receiving a claim and to arrange settlement on a GST neutral basis.

Insureds who may not be entitled to a 100% Input Tax Credit are advised to ensure that their property insurance valuations – and their sums insured – correctly reflect their GST status.

Binder Agreements Aon has binder agreements with some insurers under which we are authorised to commit those insurers to providing cover without reference to them. Some of the classes of insurance provided in your program may be placed under such binder agreements.

When acting under a binder agreement we will be acting under an authority given to Aon by the insurer and will be effecting the insurance contract as agent of the insurer and not as your agent.

Nevertheless, we believe that in respect of those classes of insurance written under a binder agreement, the policy terms are very favourable and the rates are highly competitive. In addition, our binder arrangements with the insurers are such that we remain your agent in the handling of any claims that might arise under any of the policies written.

Mis-statement of Premium Aon makes every effort to determine the correct amount of premium and statutory charges that apply to your insurance. In the event that Aon mis-state that amount (either because we have made an unintentional error or because a third party has mis-stated the amount), we reserve the right to correct the error.

By instructing Aon to arrange insurance for you, you agree, where permitted by law, that you shall not hold Aon responsible for any loss that you may suffer as a result of any such mis-statement.

Essential Reading of Policy Wording Your policy wordings have been issued or will be issued to you as soon as they are received from the insurers. It is absolutely essential that you read these documents and advise Aon in writing of any aspects which are not clear or where the cover does not meet with your requirements.

Terrorism Insurance Act 2003 The Terrorism Insurance Act 2003 (the Act) deems terrorism cover into certain commercial insurance policies – eligible insurance contracts – covering eligible property in Australia.

In broad terms, the Act applies to non-residential buildings, structures, other works and their contents. Business Interruption covers which relate to the ownership or occupation of such property, and liability policies, to the extent that the liability arises from the ownership or occupation of such property, are also embraced by the legislation.

To qualify as an eligible insurance contract, a policy must be subject to a terrorism exclusion. Upon an event being deemed a declared terrorism incident by the Government, the Act renders terrorism exclusions inoperative and insureds may lodge claims with their insurers for losses caused by the terrorist incident. Apart from the terrorism exclusion, all other terms and conditions of policies deemed to be eligible insurance contracts remain the same.

Policies which contain an Act of Terrorism exclusion and which are designated an eligible insurance contract in terms of the Terrorism Insurance Act, are generally identified accordingly. Subject to all other terms and conditions of policies so designated, coverage is amended to the extent provided by the Terrorism Insurance Act 2003.

65

Contacts ANGLICAN DIOCESE OF GRAFTON REGISTRY Phone +61 2 6642 4122 Email [email protected] PO Box 4 GRAFTON NSW 2460 Level 1 50 Victoria Street GRAFTON NSW 2460

66

Aon Level 2, 175 Eagle Street Brisbane QLD 4000 Australia

aon.com.au 67