Additional Contractor Liability Proposal Form


Additional Contractor/Sub-contractor
Liability Proposal Form
Purpose of this Form
The purpose of this form is to obtain information to assess the suitability of noting a contractor/subcontractor under an existing
Insured’s Liability policy. Completing this form does not mean that the contractor’s/subcontractor’s interests have been noted.
Sections 1 and 2 must be completed by the existing Insured.
Sections 3 to 7 must be completed by the proposed contractor/subcontractor.
Your Duty Of Disclosure
This Policy is subject to the Insurance Contracts Act 1984. Under that Act you have a duty of disclosure.
Before you take out insurance with us, you have a duty to tell us of everything that you know, or could reasonably be expected to
know, that is relevant to our decision to insure you and to the terms of that insurance. If you are not sure whether something is
relevant you should inform us anyway.
You have the same duty to inform us of those matters before you renew, extend, vary, or reinstate your contract of insurance.
Your duty however does not require disclosure of matters that:
Reduce the risk
Are common knowledge
We know or, in the ordinary course of our business, ought to know
We have indicated we do not want to know
If you do not comply with your duty of disclosure, we may be entitled to:
Reduce our liability for any claim
Cancel the contract
Refuse to pay the claim
Avoid the contract from its beginning, if your non-disclosure was fraudulent
Don’t Prevent Our Right of Recovery
This policy contains a provision which states that if you surrender your right to seek recovery from another party for a loss
covered by the policy, we have a right to reject any claim from you in relation to that loss.
We Are An Agent
Sterling Insurance Pty Limited (Sterling) is an authorised agent for the underwriters (i.e. insurers), for the purpose of entering into
contracts of insurance with intending insured parties and for the dealing with and settling of claims thereunder. At no time do we
act in the capacity of agent for the insured or intending insured parties, in either capacity or any other capacity.
Insufficient Space in this Proposal Form
If there is insufficient space in this proposal form for you to fully answer any questions or provide the requested information,
please attach a page with the additional information.
Reasonable Care
You must take reasonable precautions to prevent injury and/or damage to third party property, prevent the manufacture and/or
sale and/or supply of defective products, comply with all statutory obligations, by-laws or regulations imposed by any public
authority for the safety of persons or property. The same requirement applies to all your workers, servants and agents.
Privacy Notice
We are bound by the Privacy Act and its associated National Privacy Principals when we collect and handle your personal
We collect personal information in order to provide our services and products. We also pass it to third parties involved in this
process such as our reinsurers, agents, loss adjusters and other service providers.
You can seek access to and if necessary, correct your personal information by contacting our Privacy Officer.
When you give us personal or sensitive information about other individuals, we rely on you to have made or make them aware
that you will or may provide their information to us, the purposes we use it for, the types of third parties that we disclose it to and
how they can access it. If it is sensitive information we rely on you to have obtained their consent on these matters. If you have
not done either of these things, you must tell us before you provide the relevant information.
Sterling Insurance Pty Limited
ABN: 12 084 296 168, AFSL: 237880
Prop PL Contractor-Subcontractor - 2013-08-01
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