Fitzpatrick & Co is the preferred insurer for the QAA. Fitzpatrick & Co have supported the Arboricultural industry for many years with industry specific insurance products. As a ‘Group Purchasing Body’, the QAA buys insurance as a bulk and passes the savings onto its members. (Qualified Members receive a further 10% off)
Your Duty of Disclosure
Before you enter into a Contract of general insurance with The Company, you have a duty under the Insurance Act 1984, to disclose to The Company every matter that you know, or could reasonably be expected to know, is relevant to The Company’s decision whether to accept the risk of the insurance and if so on what terms. Failure to answer all questions fully and accurately may cause reduction or cancellation of cover – attach list if insufficient space.
You have the same duty to disclose those matters to The Company before you renew, extend, vary or reinstate a Contract of general insurance.
If you fail to comply with your duty of disclosure, the insurer may be entitled to reduce their
liability under the contract in respect of a claim or may cancel the contract. If your nondisclosure
is fraudulent, the insurer may also have the option of avoiding the contract from its
Claims Made Insurance
The Financial Loss Liability coverage and Statutory Liability Extension of this policy are written
on a ‘Claims Made’ basis. This means that these sections of the policy cover you for any
claims made against you and notified to the insurer during the policy period. The policy does
not provide cover in relation to:
- acts, errors or omissions that occurred prior to the retroactive date (if one is specified) in the
- any claim made, threatened or intimated against you prior to the commencement of the
- any claim or fact that might give rise to a claim, reported or which can be reported to an
insurer under any
- insurance policy entered into before the commencement of the policy period;
- any claim or fact that might give rise to a claim, noted in this proposal or any previous
- any claim arising out of any fact you are aware of before the commencement of the policy
- any claim made against you after the expiry of the policy period.
However, the effect of Section 40(3) of the Insurance Contracts Act 1984 (Cth) is that where
you become aware, and notify us in writing as soon as is reasonably practicable after first
becoming aware but within the policy period, of any facts which might give rise to a claim
against you, any claim which does arise out of such facts shall be deemed to have been made
during the policy period, notwithstanding that the claim was made against you after the expiry
of the policy period.