FDCA has an Incident Reporting protocol for when incidents occur in your family day care business. Some examples of the type of incidents and the timeframes in which you are required to notify FDCA are set out below:
These are severe incidents where a claim is likely to occur. These types of incidents must be reported to FDCA within 48 hours of the incident.
Some examples of a Category A incident are:
These incidents are less severe but a claim may still occur from the incident. These types of incidents must be reported to FDCA within 30 days of the incident.
Some examples of a Category B incident are:
These incidents are not severe and can be managed and dealt with straight away and there is no need to report to FDCA.
Some examples of a Category C incident are:
These timeframes need to be adhered to ensure that you are protected under your insurance policy in the event that the incident leads to a claim in the future. Sometimes claims may take years to be advised of and if we have no incident report on file then we are just relying on your memory of the incident which may make it harder to protect you in the future. An incident report completed and sent to FDCA straight after an incident occurs helps protect all involved should a valid claim ever be made in the future. Delaying notification of an incident may also affect your benefits under the policy so it is important that an incident report is provided as soon as possible.
Once you notify FDCA of the incident we may appoint an investigator, depending on the nature and severity of the incident. The investigator will provide a report to the insurer while the incident is still fresh in everyone's mind and they may take statements from you or anyone who observed the incident to ensure that the correct facts are disclosed straight after the incident. It’s important to remember that FDCA insurers act on your behalf and these steps may need to be taken in order to ensure your rights are protected.
Your family day care service may also have their own incident reporting timeframes which need to be followed as some serious incidents may need to be reported straight away to the Regulatory Authority. It is important to understand what your services timeframes are so you are not in breach of their policies. Always remember when sending an incident report form into your service to forward a copy to FDCA so we have a copy on file also.
Remember there is no harm in reporting an incident to FDCA if you are unsure if an incident needs to be reported it is always best to play it safe and report the incident. FDCA’s Incident Report forms are located here and once completed can be emailed to firstname.lastname@example.org.
If you have questions relating to any incidents or claims, please contact FDCA Insurance Services on 1800 658 699.
Please note: educators and approved providers also have a range of reporting obligations relating to incidents under the Education and Care Services National Law and National Regulations. Click here to see a summary of the notification obligations under the National Law.