Whitehaven Business Rules | Insurances

Personal Accident, Injury & Sickness

Business Rule last updated by Whitehaven Coal 1/9/20

• Individual name on policy to match the name registered in the system
• There is no minimum amount for Income Protection and the amount does not need to be recorded
• Must be current
• Must specify Income Protection or Accident and Sickness

NOTE: If the policy is paid on a monthly basis, the document must show when the recent payment was made or when the next payment is due

• Issue Date = Start of coverage date listed on policy
• Expiry Date = Coverage end date listed on policy (If the policy is paid on a monthly basis the expiry will be set when the next payment is due)
• Insurer = Insurer will be listed in policy content
• Policy Number = as specified on the policy
• Item = Income Protection or Accident and Sickness as specified on the policy
• Amount Description = not required
• Amount = not required

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Insurance.Liability.Public and / or Product

• Must detail: Start Date, End Date, Insurer, Policy, Amount, Restrictions/Condition  
• Company name on document must match the details registered in the Contractor Management Portal 
• A certificate stating the company name and "its subsidiaries "is acceptable. 

• The actual public liability amount must meet or exceed AUDS$20,000,000 
• Record certificate validity dates as per document 
• If the premium is paid monthly, the certificate of currency is only valid for that month. The company will need to update monthly*
• Accepted: Public Liability, Public and Products Liability, Broadform Liability, General and products, "Combined general liability insurance" when "Public and product" level of insurance is included 
• Requires Approval: General Liability, Business Liability, Legal Liability, Umbrella Liability 
• Not accepted: IT Liability, Product Only 
• If a policy is submitted and refers to the liability cover under another name (as mentioned in the table above, under “REQUIRES APPROVAL”), Whitehaven will need to request from the company an excerpt of the policy which explains what the insurance policy covers where it is not called “public liability”. 
• If the document is not one of the “ACCEPTED” forms of Public Liability types, it must be referred to Whitehaven for approval. 
• All accepted Public Liability policies must be a minimum of 20 million dollars Australian, or equivalent in US Dollars or Euro, for any one occurrence. 
• If the amount shown on the document is not listed as an Australian Dollar amount (e.g. US or EURO), use a currency converter to check the amount - if the conversion at the verification processing time meets the required Australian Dollar amount the document can be approved.  In the Comment Field please enter the confirmation that the currency converter process has been completed e.g. ‘Currency Converted and meets the AUD minimum amount required’. 

*If the policy is paid on a monthly basis, the document must show when the recent payment was made or when the next payment is due

Insurance.Motor Vehicle.Certificate of Currency

• If the Business name on document does not match the details registered in the Contractor Management Portal, the Company must provide government certified evidence to link the business names together.  This is a typically a letter or download from ABR showing the link.  
• Accepted types: Motor Vehicle, Comprehensive, Motor Fleet, Third Party Property, Commercial Motor insurance, Industrial Special Plant / Road Risk insurance 
• List / schedule of vehicles covered or an umbrella policy covering all motor vehicles registered under that company name must be included within the uploaded file except when policy is comprehensive 
• Must be minimum 10 million (AUD) coverage for 3rd Party Liability / Legal Liability / 3rd Party Property - Minimum not required for comprehensive. 

NOTE: If the policy is paid on a monthly basis, the document must show when the recent payment was made or when the next payment is due

• Issue Date = Start of coverage date listed on policy
• Expiry Date = Coverage end date listed on policy (If the policy is paid on a monthly basis the expiry will be set when the next payment is due)
• Insurer = Insurer will be listed in policy content
• Policy Number = as specified on the policy
• Item = As specified on policy <accepted type> Motor Vehicle Insurance
• Amount Description = As specified on policy <3^rdParty Liability / Legal Liability / 3^rd Party Property> 
• Amount = as per policy (minimum of 10 million AUD) UNLESS the policy is for comprehensive, in which case the amount can be 0
  

• If the Business name on document does not match the details registered in the Contractor Management Portal, the Company must provide government certified evidence to link the business names together.  This is a typically a letter or download from ABR showing the linkage. 
• Must display Mobile Plant and Equipment, Industrial Special Risk OR Industrial Special Plant as the type 
• Must also include a schedule of items covered and how much they are insured for (usually in table format) 

NOTE: If the policy is paid on a monthly basis, the document must show when the recent payment was made or when the next payment is due

• Issue Date = Start of coverage date listed on policy
• Expiry Date = Coverage end date listed on policy (If the policy is paid on a monthly basis the expiry will be set when the next payment is due)
• Insurer = Insurer will be listed in policy content
• Policy Number = as specified on the policy
• Item = Mobile Plant and Equipment, Industrial Special Risk OR Industrial Special Plant
• Amount Description = not required
• Amount = not required - No minimum or maximum amount required

Workers Compensation Policy - CMI Insurance

• If document refers to ‘Self Insurance / Insurer’ an exemption letter from Coal Services is still required and must be uploaded with the Self-Insurer documentation. This will then be escalated by Pegasus to site for approval.

“Cross border arrangement still apply. Although if the company’s employees are working for more than 6 months in NSW a CMI policy is required. The company will need to provide correspondence from CMI to confirm the Cross Boarder arrangement applies to their case.”

If uncertain about CMI mandatory requirement then contact WHC.

• Ensure the company / employer’s name shown on the workers compensation document matches the ‘Company’ field data within the Contractor Management Portal  
• P/L / Pty LTD / Pty Limited can be accepted in any of these forms if also listed as the name in the system 
• Aust / Australia can be accepted in any of these forms if also listed as the name in the system 
• Ttee (means trust) this is acceptable as long as the rest of the name matches 
• If document is addressed to a slightly different name however the Legal or Trading name is listed on the certificate of currency and matches this is acceptable 
• If documented refers to ‘Self Insurance / Insurer’ please escalate. Do not return 
• Ensure there is a ‘WorkCover Queensland Logo’ displayed on the document. 

•  Issue and expiry date to be recorded as the certificate validity from and to dates as shown below: