Household worker insurance
A household worker is a worker you employ in and about, or in connection with, a private dwelling or the grounds of the dwelling. If you employ a household worker, you are required to take out a Household workers' insurance policy to cover you against the costs of compensating a household worker who may be injured while working for you.
Our Household workers' insurance policy is $50 for a two year term. This is a set time frame where all policies have a common end date irrespective of when the policy is commenced. The premium is not pro-rated, however a reduction of the rate to $25 is applied if the time remaining to the common end date is less than 12 months.
Who should I cover?
You should cover anyone you employ in connection with your house or connected property.
A holiday home is considered as a private dwelling provided that it is not also used as a rental property, and workers employed there may be considered household workers.
Depending on the employment conditions, workers employed in or about a residence where you are conducting a business from such as a rental property, may need to be covered by an Accident insurance policy.
To determine who you need to cover, follow the steps on the Australian Taxation Office website employer/contractor tool.
What does this policy cover?
You are covered for the cost of compensating a household worker you employ who sustains a work-related injury while working for you. These costs may include:
- lost wages
- travelling expenses
- hospital, medical and rehabilitation expenses
- lump sum compensation for permanent impairment
- damages costs associated with a common law claim against you
- death benefits.
Common law damages are paid when an injured worker sues you and proves that you (as their employer) were negligent.
How do I take out a Household workers' insurance policy?
You can apply online for a Household workers' insurance policy.
Alternatively, please call us on 1300 362 128 and we will set up your policy over the phone. We will then forward you a premium notice with your payment options.
For more information on our Household workers' insurance policy, read our product disclosure statement.
Maintaining your Household workers' insurance policy
These policies insure you for all or part of a two-year period. The current period of insurance is running from 1 January 2013 to 31 December 2014.
You will receive a renewal notice in early December 2014. To insure yourself for another two years, simply pay your premium by the due date. If you have ceased employing householder workers and do not want your policy to continue, do not make payment and your policy will lapse.
If you are continuing to insure, please make sure we have your current contact details at any time during the insurance period.
Please call us on 1300 362 128 if you have any questions about your insurance requirements.