Question: Our caretaker has requested written confirmation that they are volunteering when performing extra duties not covered by their agreement. Will this cover them as a volunteer under the OC’s insurance?
Our onsite caretaker, who has a signed caretaker agreement with the owners corporation, sometimes performs additional tasks not specified in the agreement. They have requested written confirmation from the owners corporation stating they are volunteering for these extra duties. Will this provide the caretaker with coverage as a volunteer under the owners corporation’s insurance policy?
Answer: There is a strong possibility the insurer would scrutinise the role of the caretaker in line with the contract for services they provide.
The caretaker would have to meet the definition of a volunteer under the policy conditions.
There is a strong possibility the insurer would scrutinise the role of the caretaker in line with the contract for services they provide.
If I was the caretaker, I wouldn’t rely on the strata policy for cover. I would maintain a public liability policy to ensure there is adequate cover in the event of a claim.
This post appears in Strata News #670.
Tyrone Shandiman
Strata Insurance Solutions
E: tshandiman@iaa.net.au
P: 1300 554 165
This information is of a general nature only and neither represents nor is intended to be personal advice on any particular matter. Shandit Pty Ltd T/as Strata Insurance Solutions strongly suggests that no person should act specifically on the basis of the information in this document, but should obtain appropriate professional advice based on their own personal circumstances. Shandit Pty Ltd T/As Strata Insurance Solutions is a Corporate Authorised Representative (No. 404246) of Insurance Advisenent Australia AFSL No 240549, ABN 15 003 886 687.
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