Labour Hire Insurance Brokers
Labour Hire companies need specific covers and expert advice. Cowden Limited understands the exposures they face.
Labour Hire Insurance
Labour Hire Companies need specific covers and expert advice.
What is Labour Hire Insurance?
Labour hire is a unique industry with its own set of challenges.
Having incorrect or poorly maintained insurance policies can
result in an uninsured exposure that can have disastrous
financial consequences.
With our extensive knowledge of the labour insurance market, we’ll help manage your risks by working with you to access suitable insurance policies for your business and budget.
Many host employers require labour hire companies to have the right insurances in place in order to work with you.
With our extensive knowledge of the labour insurance market, we’ll help manage your risks by working with you to access suitable insurance policies for your business and budget.
Many host employers require labour hire companies to have the right insurances in place in order to work with you.
Labour Hire Contracts
Just having the right insurance isn’t enough. Contracts (your
client terms) can be very tricky to navigate and negotiate. As
part of our service, we include contractual reviews, advice on
the insurance related clauses and how your insurance program
will respond.
Labour Hire Insurance Claims
Unfortunately claims occur regularly in your industry. The claims can be large, complex, protracted and sometimes involve state and/or federal government entities.
We will work with you, making sure the insurance program responds and your interests are protected.
Some examples of actual claims that we have handled for our existing Labour Hire clients include:
We will work with you, making sure the insurance program responds and your interests are protected.
Some examples of actual claims that we have handled for our existing Labour Hire clients include:
Worker to worker claims for contractors injured at the host employers site.
Damage to a host employers registered vehicle caused by a labour hire employee
A random tax audit claim initiated by the ATO for superannuation payments
Injury to a host employer's employee by a labour hire employee whilst operating a forklift truck
A fine imposed on a labour hire firm arising out of an employee injury whilst using defective machinery which was owned by the host employer
Labour Hire
Workers Compensation
Workers Compensation
Management of claims is critical for the wellbeing of the injured
employee but also the cost of your insurance program. For all
of our clients operating in WA, we have partnered with RTC
Proficient Solutions to become our inhouse Workers
Compensation claims, return to work and injury management
team.
Our aim is to lower the cost of workers compensation insurance by early intervention and prevent claims going off the rails by :
- Ensuring all claims are settled quickly and for the most realistic and commercial outcome
- Proactive and analytic workers compensation claims management on all open and future claims
- Review and determine strategies for existing and new claims
This is a service we provide at no additional cost for our clients
What can we do for you
Our offering comprises a suite of products and services including but not limited to Public Liability, Professional Indemnity, Directors & Officers, Workers Compensation in Risk States and contract reviews.
Please contact Ritz Kerai in our Perth office on 0488 455 400 or ritz.kerai@cowden.com.au to discuss our services further.
Cowden Insurance Brokers
Trusted by Thousands
Our ability to consistently find the correct solution based on our clients needs has built the trust and loyalty that thousands of Australians have in us.
50 Years of Experience
Cowden Limited was founded in 1972 and through growth and acquisition has become a major force in the Australian insurance market.
Strong Referral Record
95% of new business is by-way-of referrals from our satisfied clients.
Safeguard your Business
We use cutting-edge technology to give you the most cost effective insurance solution.
We are Licensed Insurance Advisors
Along with our 50 years of experience, we hold an Australian Financial Services Licence.
Providing you with peace of mind that we have proven and authoritative service.
We've got you Covered
With offices in Perth, Adelaide, Melbourne and Sydney, we will find the solution for your insurance needs.
TESTIMONIALS
Hear What Our Clients Have to Say
Frequently Asked Questions
What type of risks can you incur in the labour hire industry?
Some common risks you may face as a labour hire business, include:
- Injuries to employees, co-workers and/or pedestrians
- Actions (or inactions) of employees you provide
- Property damage, e.g., setting fire to a building whilst performing hot work
- Costs involved with unfair dismissal and Fair Work challenges
- Being held liable for the actions or inactions of the employees provided
- Injuries to another worker whilst performing work or getting sued by contractors and subcontractors for issues caused by your supplied labour
- Fines & penalties
- Injuring another worker or causing damage whilst using a forklift
I just place the worker, why do I need to buy the insurance, surely that’s the host’s problem?
Legally and contractually you will be required to insure the employees and any potential liability they could incur
If the employee is injured, doesn’t the host have to process the claim?
No, as the employer, you need to lodge the claim