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Safeguarding our clients against the financial costs of workplace claims, litigation and legal risks of running a small business.

Running a small business is incredibly rewarding. But it can also be incredibly challenging. Operating in one of the most complex workplace relations systems in the world, it's easy to find yourself on the wrong side of legislation, facing costly legal proceedings or in some cases penalties when in breach of the Fair Work Act or health and safety legislation.


That's why we've developed Employsure Mutual Limited and Employsure Protect exclusively for clients of Employsure. Employsure Protect offers protection to members who have been financially impacted by the cost of legal action brought against them.

With Employsure Protect, we are stronger together

More flexible protection

Employsure Protect allows greater flexibility in supporting and reimbursing members against claims. Employsure Mutual has no shareholders but is owned by its members existing solely to provide discretionary protection and benefits for those members. Any surplus funds are reinvested in the Mutual in the interests of members.

Because membership of the Mutual is exclusive to Employsure clients, members benefit from the improved risk profile that Employsure’s core services deliver, resulting in lower overall claims costs. By pooling contributions for discretionary protection, the Mutual is able to manage claims within its agreed pooled risk retention and to leverage the strength of the membership to buy insurance for the mutual to ensure it is always able to cover all claims above the pooled risk. The savings achieved can be passed through to members.

With Employsure Protect we are stronger together.

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Employsure Mutual is controlled by a board that includes directors who are Employsure clients – small business owners just like you who understand the risks and challenges of running a small business. Employsure Protect offers increased limits of protection, broader cover and peace of mind in the event that your business is impacted by legal action. The board is able to exercise its discretion in areas of membership, scope and cost of protections and claims. This discretion provides a level of flexibility that commercial insurers can find difficult to balance with the competing needs of shareholders.

The protection provided by Employsure Protect is a financial product and is issued by Employsure Mutual (AFSL 544 232). Employsure Mutual has appointed Employsure Pty Ltd as its Authorised Representative (No. 001274577) to manage distribution to its clients. Employsure Limited has been appointed by the Mutual to handle distribution in New Zealand. These arrangements ensure that all client/member communications will continue with Employsure.

Full details of the protection are contained in the Product Disclosure Statement and should be carefully considered along with the Target Market Determination to determine whether the product is suitable for you. The advice contained on this page is general and does not consider your personal objectives, financial situation or needs.

What’s covered?

Employsure Protect provides two areas of protection:

Employment relationsHealth and safety statutory liability
Legal liability and defence costs in respect of employment claims and actions brought by the Fair Work Commission arising out of an employment claimLiability for defence costs and penalties (where protection of such penalties is lawful) arising from any wrongful breach of the health and safety legislation
Limit $400,000 any one claimLimit $400,000 any one claim
Annual limit $2,000,000 in the aggregateAnnual limit $2,000,000 in the aggregate
Additional $5,000 cover for Fair Work Commission investigation (new feature)Nil excess
Nil excess

The above is a summary of the protection provided for businesses in Australia full details of which are included in the PDS.

Historical Documents

Financial Services Guide (AU)
(dated 1 June 2023)

Product Disclosure Statement
(dated 1 April 2023 including T&Cs relating to protection issued between 1 April 2023 and 31 March 2024)

Summary of Changes to Product Disclosure Statement
(dated 1 April 2023)

Employsure Protect Target Market Determination
(dated 13 October 2022)

Employsure Mutual Whistleblower Protection Policy
(dated 13 October 2022)

Financial Services Guide
(dated 30 March 2020)

Product Disclosure Statement
(dated 1 April 2019 including T&Cs relating to protection issued between 1 April 2019 and 31 March 2020)

Product Disclosure Statement
(dated 31 March 2020 including T&Cs relating to protection issued on or after 1 April 2020)

Product Disclosure Statement
(dated 18 June 2020 including T&Cs relating to protection issued on or after 10 June 2020)

Product Disclosure Statement
(dated 1 April 2021 including T&Cs relating to protection issued between 1 April 2021 and 31 March 2022)

Product Disclosure Statement
(dated 1 April 2022 including T&Cs relating to protection issued between 1 April 2022 and 31 March 2023)

Summery of Changes to Product Disclosure Statement
(dated 1 April 2020)

Summary of Changes to Product Disclosure Statement
(dated 18 June 2020)

Summery of Changes to Product Disclosure Statement
(dated 31 March 2021)

Summary of Changes to Product Disclosure Statement
(dated 1 April 2022)

Employsure Mutual Limited AGM Results

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Level 6/180 Thomas St, Sydney NSW 2000
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Copyright © 2024 Employsure Pty Ltd. ABN 40 145 676 026

Employsure Protect is a financial product issued by Employsure Mutual Limited ACN 630 256 478 (AFSL 544232). Employsure Mutual has appointed Employsure Pty Ltd as its Authorised Representative (No. 001274577) to distribute the product and provide general advice. To decide if this product is right for you, please read the Employsure Protect Product Disclosure Statement (PDS) and Target Market Determination.