Unless otherwise indicated, please note that all capitalised terms in this summary have the same meaning as set out in the Juggle Street Terms & Conditions. In conjunction with our alliance insurance broker, Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 242411 (Aon), we have prepared the below summary of the Juggle Street General Liability Insurance policy (Policy).
This Policy is made available to Jugglers (e.g. a parent or legal guardian of a child) who:
Please note that this summary does not contain all the terms and conditions of the Policy and Policy Schedule which together comprise the insurance contact, so you should refer to these documents for full terms and conditions. A copy of the Policy and Policy Schedule will be provided to eligible Jugglers upon request.
The summary below is provided for general information purposes only and should not be relied upon as advice (personal, legal or otherwise). It should not be taken as express or implied conditions, terms or exclusions of the Policy, nor should it be relied upon in the event of a claim. To the extent permitted by law, Juggle Street accepts no responsibility or liability to advise any party who may be relying on this summary or otherwise on the existence or sufficiency of the Policy.
The Policy is made available to eligible Jugglers under a group policy issued to Juggle Street Pty Ltd ABN 80 600 449 938 (Juggle Street) by QBE Insurance (Australia) Pty Ltd ABN 78 003 191 035 (QBE). The policy intermediary is Aon Risk Services Australia Limited ABN 17 000 434 720, AFSL 241141 (Aon). Access to the group policy is provided to eligible Jugglers solely by statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth).
Eligible Jugglers are not a party to the group policy, do not have an agreement with QBE and cannot vary or cancel the cover. Juggle Street is not the insurer, does not guarantee or hold the rights under the group policy on trust for eligible Jugglers and does not act as QBE’s agent. For further information about coverage, please contact Aon at email@example.com.
A Group Policy Limit of $20,000,000 in respect of any one claim and in the aggregate, applies in respect of Product Liability cover and claims for Pollution under this group policy. A Sub-Limit of $250,000 also applies to claims for Property in the Insured’s Care, Custody and Control. As this is a group policy, the Limit of Liability and total Aggregate Limit of Liability is shared by all the Insureds.
This means that if the Limit of Liability and/or Aggregate Limit of Liability are exhausted by Claims against some of the Insureds during the Period of Insurance then there will be no cover remaining for the duration of that period of insurance. In accordance with the terms of the Group Policy, the Insurer may agree to include additional Insureds during the Policy Period. Any inclusion of additional Insureds during the Period of Insurance will not increase the Limit of Liability or the Total Aggregate Limit of Liability. The Insurer is not obliged to obtain the consent of the Insured before agreeing to extend the Group Policy to include new Insureds during the Period of Insurance.
Juggle Street General Liability Insurance is a public liability policy designed to cover certain eligible Jugglers for their legal liability arising from damage to property or personal injury to third parties (e.g. Carers) as a result of placing a Carer in a job via the Juggle Street platform in accordance with the Juggle Street Terms & Conditions. Further information about who can access the Policy and the Policy itself is set out below.
One major benefit of having a subscription-based membership with Juggle Street is that Jugglers then become eligible to access coverage under the Policy on a complimentary basis.
Eligible Jugglers are parents or legal guardians who are granting jobs to Carers through Juggle Street platform in accordance with the Juggle Street Terms & Conditions, who have a subscription-based membership and who comply with the terms of the Policy and Juggle Street’s terms and conditions (Eligible Juggler). The only cost payable is an excess of AUD1,000 (exchange rate to be calculated at the market rate at the time of settlement) if an Eligible Juggler makes a claim.
Please note that Jugglers granting one-off jobs to Carers are not eligible to access coverage under the Policy, only those on subscription-based membership. Please refer to Juggle Street’s Terms & Conditions for further information about the eligibility criteria of Jugglers.
This Policy is not for the benefit of Carers. In other words, Carers cannot make a claim directly in respect of their liability, legal or otherwise. A claim for loss to their property or personal injury would need to be made to the eligible Juggler who is entitled to make a claim under the Policy by following the process set out below.
The Policy doesn’t cover the following liabilities:
Please refer to the full list of Exclusions for more information on what the Policy doesn’t cover.
Access to coverage under the Policy is subject to and conditional upon compliance with the terms and conditions of the Policy, as well as the Juggle Street Terms & Conditions. Please carefully read and understand the Juggle Street Terms & Conditions as they contain important information about eligibility criteria such as:
The list above is not exhaustive so we recommend that you review the Juggle Street Terms & Conditions and/or contact Juggle Street if you have any queries.
If an Eligible Juggler becomes legally liable to pay compensation due to any third party personal injury or property damage occurring in connection with a job placed via the Juggle Street platform and where the Eligible Juggler has complied by the Juggle Street Terms & Conditions, the Juggle Street General Liability Insurance policy is designed to help indemnify the Eligible Juggler for any legal costs and other expenses reasonably incurred in accordance with the terms of the Policy.
In the event of any circumstance arising, the Juggler must not:
As stated above, a Policy excess of AUD1,000 (exchange rate to be calculated at the market rate at the time of settlement) is applicable on any claims made under the Policy, and must be paid in full by the Juggler during the management of the claim.
Please refer to full Policy terms and conditions for further information.
If an Eligible Juggler needs to lodge a claim, they should immediately email full details of the claim to Aon at firstname.lastname@example.org. The Juggler will then be required to:
Juggle Street are not in a position to provide any financial advice about this product, only factual information. Please contact Aon at email@example.com if you have any further queries about the cover.