Public Liability Insurance may respond where a Labour Hire company is legally liable for certain third-party personal injury or property damage connected with its business activities.

Examples can include allegations involving:

• A placed worker injuring a member of the public
• A placed worker damaging property belonging to a host employer
• A visitor being injured at the Labour Hire company’s premises
• Injury or property damage during recruitment, induction or training activities
• A host employer seeking contribution following an incident involving a placed worker

What about injuries to placed workers? #

Injuries to employees and on-hired workers are generally dealt with through the applicable Workers Compensation arrangements.

Public Liability Insurance is not a substitute for Workers Compensation Insurance.

Why are worker occupations important? #

Labour Hire Public Liability policies need to recognise the actual on-hired workforce.

Insurers can restrict particular:

• Occupations
• Industries
• Activities
• Locations

Information commonly required includes:

• Worker occupations and duties
• Industries
• Worker numbers
• Wages and turnover
• Work at height
• Underground work
• Hazardous locations
• Responsibility for supervision or training

Host employer contracts can also contain indemnities extending beyond the cover provided by the policy.

Contact our team before commencing placements in materially different occupations or industries.