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Insurance

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Insurance

Insurance premiums are driven by many external factors beyond the control of the Diocese or our insurance brokers. These factors include the state of equity markets, and the prevalence of big claims elsewhere in the nation and around the world.

The most significant premium paid by parishes is for property and contents. It is important to understand that insurance covers damaged caused by specific events (e.g. fire, flood, wind damage, hail damage, accidental damage, theft); but does not cover damaged caused by inadequate maintenance (e.g. damaged caused by blocked or corroded gutters), damage arising from faulty construction/design nor termite damage.

Good record keeping (e.g. using the parish property database), can proved the adequacy of maintenance and may assist parishes making a claim.

Insurance will generally only cover like for like replacement, except where the original product is no longer available e.g. asbestos fences.

Apart from the external factors above, premiums are based on claims history. The best way to keep property and contents premiums low is taking action to reduce the risk of fire, flood, wind damage and theft.

Workers Compensation insurance is paid by parishes as a component of salary/stipend contributions. The best way to keep workers compensation premiums low is good application of WHS policy and only using contractors with their own workers compensation insurance.

Public liability claims will only be successful if it can be shown the parish or entity was negligent in some way. The best way to keep public liability premiums low is conscientious application of the public health regulations including mandatory inspections and testing, and only using contractors with their own public liability insurance.

Certificates of Currency/Insurance

Contact Information

General parish property
Parish Property Liaison Officer, Tracey Brandt
parishproperty@perth.anglican.org
www.pdtparishproperty.org
08 9425 7288

Motor Vehicles, Non-Parish Property

Administration and Property Coordinator, Maria Hann
mhann@perth.anglican.org
08 9374 5620

Other Insurance Matters
Operations Manager, Mike Brown
mbrown@perth.anglican.org
08 9425 7200

Related Policies

Policy 2 - Work Health and Safety
Policy 6.4 – Parish Property – Leasing of Parish Properties
Policy 6.5 – Parish Property – Repairs and Maintenance

Related Forms

Corporate Travel Claim Form
Motor Vehicle Claim Form
Personal Accident and Sickness (Volunteer) Claim Form
Property Claim Form
Workers Compensation Claim Form