The following activities are covered by the Policy:

a. domestic assistance comprising: i. caring for pets; or ii. changing sheets and towels; or iii. cleaning the kitchen, toilet and/or bathroom; or iv. cleaning ground floor gutters, windows, screens and/or fans; or v. dusting; or vi. grocery shopping; or vii. ironing; or viii. mopping floors; or ix. putting council bins out; or x. removing rubbish; or xi. vacuuming; or xii. washing, drying and/or folding washing; or

b. exercise comprising: i. assisting with therapy support of a client who is following a care plan prepared by an allied health or medical practitioner; or ii. hiking provided this is on a designated track with mobile phone reception and with water and first aid being carried; or iii. non-electric cycling or non-electric scootering provided a helmet is worn; or iv. non-contact sports such as tennis or golf; or v. running; or vi. skateboarding, roller skating, or roller blading provided a helmet, knee pads, elbow pads and wrist pads are worn; or vii. supervision, physical assistance and encouragement of a client who is following a fitness plan prepared by a fitness instructor/personal trainer; or viii. walking including bush walks, beach walks and hiking; or c. home maintenance comprising: i. car washing; or ii. general gardening; or iii. green rubbish removal; or iv. handy worker – minor repairs; or v. pool maintenance; or vi. safety and security; or vii. weeding and hedges; or

d. personal care comprising: i. assistance with cooking, meal preparation, eating and drinking. Keystone will not indemnify the Insured in relation to percutaneous endoscopic gastrostomy (PEG) feeding unless the Insured performing the PEG feeding has completed relevant training; or ii. assistance with self-medication where training has been provided by a registered nurse; or iii. assisting with the use of aids and appliances, hearing and communication devices; or iv. dressing; or v. grooming; or vi. incontinence and menstrual care support; or vii. oral hygiene; or viii. showering or bathing; or ix. toileting; or

e. social and lifestyle support comprising: i. assistance at work or with study; or ii. assistance while on holiday or travelling away from home; or iii. attending community programs; or iv. company at social activities; or v. companionship; or vi. employment support including training in respect of transition to work, personal skills, basic work skills and travelling to work; or vii. fishing from jetties or the shore; or viii. home administration; or ix. support in the use and procurement of disability support aids and equipment; or x. taking to appointments; or xi. taking shopping; or xii. transport including supporting with use of mobility aids and equipment.

a. any water-based activity including but not limited to surfing, canoeing, kayaking, water-skiing, white-water rafting/activities or swimming. This exclusion does not apply if: i. the swimming is at a public swimming pool with a trained lifeguard in attendance or at a patrolled beach with the swimming taking place between the flags; or ii. the water-based activity is run and supervised by a reputable independent third party. However, the Insured must ensure that the reputable independent third party has their own public and products liability insurance for no less than $10,000,000. This needs to be done by obtaining a certificate of insurance from each reputable independent third party prior to the commencement of any water-based activity. For the avoidance of doubt, there is no cover if the Insured is simply hiring equipment from a third party. The water-based activity must be run and supervised by a reputable independent third party.

b. any horse riding or other equine related activities, animal rides, show/carnival rides, motorcycle or quad biking, electric bicycle, electric scooter activity, paintball, laser tag, skirmish, skiing, snowboarding, ice skating, ice climbing, bungee jumping, canyoneering, caving, hang-gliding, hot air balloon rides, hunting, mountain biking, parasailing, rock climbing, rappelling, zip line, scuba diving, BASE jumping, boxing, mountaineering, snorkelling, abseiling, parachuting, paragliding, cage diving or trampolining. This exclusion does not apply if the activity is run and supervised by a reputable independent third party. However, the Insured must ensure that the reputable independent third party has their own public and products liability insurance for no less than $10,000,000. This needs to be done by obtaining a certificate of insurance from each reputable independent third party prior to the commencement of any activity. For the avoidance of doubt, there is no cover if the Insured is simply hiring equipment from a third party. The activity must be run and supervised by a reputable independent third party.

c. any contact sport; or

d. personal training. This exclusion does not apply to the supervision, physical assistance and encouragement of a client who is following a fitness plan prepared by a fitness instructor/personal trainer; or

e. camping. This exclusion does not apply to camping at a paid campground; or

f. fishing from a boat or vessel unless it is operated by a reputable independent third party. However, the Insured must ensure that the reputable independent third party has their own public and products liability insurance for no less than $10,000,000. This needs to be done by obtaining a certificate of insurance from each reputable independent third party prior to the commencement of any fishing trip. For the avoidance of doubt, there is no cover if the Insured is simply hiring the boat or vessel from a third party. The fishing trip must be operated by a reputable independent third party; or

g. a client staying overnight at the Insured’s residence; or

h. the provision of housing or shelter accommodation; or

i. any client staying in specialist disability accommodation; or

j. high intensity or very high intensity support services; or

k. wound management or wound care unless the Insured is following a plan provided by a registered nurse. For the avoidance of doubt, this exclusion does not apply to accidents that may require immediate care; or

l. catheter care; or

m. stag’s or hen’s parties.

Each principal, partner, director or employee must have completed one of the following.

a. first aid training; or

b. a nursing degree; or

c. a Certificate III in Individual Support - Disability or Ageing, Home & Community Care (or equivalent qualifications).