Labour Hire companies can place workers into higher-risk industries, but insurer appetite and policy terms can differ significantly depending on the occupations and duties involved.

Examples of higher-risk placements can include:

• Construction
• Civil works
• Mining and resources
• Manufacturing
• Transport and logistics
• Warehousing
• Agriculture
• Food processing
• Healthcare
• Aged care
• Security
• Work involving heavy machinery or hazardous locations

What information can insurers require? #

This can include:

• Worker occupations
• Specific duties
• Worker numbers
• Estimated wages
• Host industries
• Worksite locations
• Work at height
• Underground work
• Work around water
• Mobile plant
• Heavy machinery
• Hazardous substances
• Dangerous goods
• Qualifications and licences
• Workplace assessment procedures
• Inductions
• Personal protective equipment
• Supervision and training arrangements
• Claims history

Some insurers will not accept particular occupations or industries.

Others may apply:

• Higher excesses
• Restricted cover
• Specific exclusions
• Conditions
• Different limits

A policy arranged for office-based placements should not be assumed to cover manual, trade or hazardous occupations.

Contact our team before placing workers into a materially different occupation or industry.