All Helpers engaged with Lend A Friend must have an insurance policy with a minimum of:

• 10 million dollars of public liability cover
• 1 million dollars of professional indemnity cover
• Third party car insurance

Lend A Friend arranges cover through Bizcover insurance brokers, however Helpers have the ability to arrange different insurance should they choose, provided the abovementioned minimums are met.

Disability, Community, Aged Care, and Home Care insurance covers:

• Damage to a Participant’s property caused by the Helper
• Damage to the community or private property and business caused by a Participant while under the care of the Helper
• Injury to the public or Participant, including medical bills in some circumstances
• Damages resulting from poor judgment and advice from the Helper

Disability, Community, Aged Care, and Home Care insurance does not cover, and hence Helpers are not covered for:

• Injury or damages as a result of high risk, adventure, and outdoor activities (excluding those performed in a gym)
• Examples of adventure and high risk activities include:
  • Kayaking
  • Rock climbing
  • Swimming in the Ocean
  • Contact sports

Helpers and Participants may choose to partake in activities which are not covered by the Helper’s insurance. Most activities which are organised by private companies, like rock climbing gyms, have their own insurance policies which may cover accidents in this setting. This will need to be confirmed with the management team of each activity and Lend A Friend can’t be held responsible for damages in these adventure settings. Participation in adventure setting is up to the discretion of individual Helpers and Participants, and not the responsibility of Lend A Friend.