What does my policy cover?

A household workers’ insurance policy will cover the cost of compensating a household worker you employ who is injured while working for you. These costs can include:

• compensation payments to the injured household worker
• hospital and medical expenses
• workplace rehabilitation costs
• lump sum compensation for permanent impairment
• damages costs associated with a common law claim taken out against you.

Common law damages are paid when an injured person sues you and proves that you (as their employer) were negligent. This policy covers you for the costs of these damages.

A WorkCover Queensland household workers’ insurance policy will not cover workers employed by a landlord in connection with rented houses, flats, boarding houses, and other simular accommodation arrangements. Depending on the employment conditions, workers employed in or about a residence from which a business is conducted may require the landlord or business owner to take out a WorkCover Queensland accident insurance policy.