Insurance - Types of Insurances

Property

This policy covers tangible property both real and personal of every kind and description belonging to the insured or for damage to which property the insured is legally responsible or which the insured has assumed responsibility to insure prior to the occurrence of any damage. Property insured includes all property acquired after the commencement of the period of insurance.

Claim procedure and claim form.

General and Products Liability

This policy covers the legal liability of the insured parties to pay damages or compensation arising out of personal injury or damage to property caused by an occurrence in connection with their business of and/or the products.

Claim procedure and claim form

Professional Liability

This policy provides indemnity for the Insured against loss arising from any claim in respect of civil liability for breach of a duty owed in a professional capacity first made against the Insured. It also provides indemnity for the Insured against loss arising from any claim in respect of civil liability for libel or slander first made against the Insured. The policy is underwritten on a "claims made" basis. No claim can be made against the policy once the policy has expired or has been cancelled.

Claim procedure and claim form (link to document)

Professional Liability Malpractice

This policy provides indemnity for the Insured against legal liability for acts, errors or omissions committed by the Insured in their professional capacity in respect of a medical occurrence or veterinary occurrence in connection with the Insured's business. The policy is underwritten on a "claims made" basis. No claim can be made against the policy once the policy has expired or has been cancelled.

Claim procedure and claim form (link to document)

Director and Officers

This policy provides indemnity for the Insured on behalf of a protected person for loss which a protected person is legally liable to pay by reason of any claim first made against such a protected person. The policy is underwritten on a "claims made" basis. No claim can be made against the policy once the policy has expired or has been cancelled.

Claim procedure and claim form (link to document)

Motor Vehicle Insurance

This policy is a comprehensive insurance policy that covers loss or damage to registered CSU vehicles and/or legal liability arising out of the use of a registered CSU vehicle. The policy operates within the Commonwealth of Australia. Only University-owned vehicles are covered, it does not apply to privately owned vehicles even whilst being used on University business.

All employees authorised to drive University vehicles must adhere to all traffic regulations, drive safely and courteously and familiarise themselves with the University's Driving Hours Policy (link to Driving Hours Policy, under Administration Manual, Under Fleet Management).

Claim procedure and claim form (link to document)

Contract Works Insurance

This policy provides coverage for construction and renovation of buildings for Charles Sturt University against a sudden and unforeseen physical loss or damage where construction contracts are carried out within the University's campuses in NSW.

Claim procedure and claim form (link to document)

Group Personal Accident (Volunteer workers and visiting lecturers)

This policy provides cover for all volunteer workers and visiting lecturers whilst engaged in voluntary work and/or lecture activity including whilst traveling directly to/from the place of such voluntary work and/or lecture activity as applicable. Coverage applies to anywhere in Australia.

Claim procedure and claim form (link to document)

Group Personal Accident (Students)

This policy provides cover in respect of full time and part time internal students of all campuses in Australia of Charles Sturt University to apply 24 hours per day, 365 days per year, excluding students 75 years of age and older.

This policy provides cover in respect of distance education external students of all campuses in Australia of Charles Sturt University to apply whilst such persons are on authorised work experience. Students 75 years of age and older are exluded.

Claim procedure and claim form (link to document)

Group Personal Accident (Policing Students)

This policy provides cover in respect of full time and part time internal students of Charles Sturt University NSW Police College, Goulburn to apply 24 hours per day, 365 days per year.

This policy provides cover in respect of distance education external students of Charles Sturt University NSW Police College to apply whilst such persons are undertaking practical placement components of their course including whilst travelling in connection therewith.

Claim procedure and claim form (link to document)

Casual Hirers

This policy is intended to cover casual hirers of facilities owned or operated by Charles Sturt University where the casual hirer:

  1. does not have insurance
  2. does not have adequate insurance
  3. obtains insurance and in the event of a claim the cover under their policy is exhausted.

This cover is not concurrent with any other policy which provides similar protection to hirers and will only come into operation when indemnity provided by such other policy has been exhausted.

To ensure that premiums are as low as possible in respect to the cover provided there are risk management tools that must be implemented, in particular:

  1. a written hire agreement incorporating an indemnity clause must be signed by each and every hirer
  2. proof of insurance by way of a certificate of currency must be requested from each and every hirer.