Safeguarding our clients against the financial costs of workplace claims.
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 Peninsula Mutual Limited and Peninsula Protect exclusively for clients of Employsure. Peninsula Protect offers protection to members who have been financially impacted by the cost of legal action brought against them.
Peninsula Protect allows greater flexibility in supporting and reimbursing members against claims. Peninsula Mutual Limited 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 Peninsula’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 Peninsula Protect we are stronger together.
Peninsula 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. Peninsula 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 Peninsula Protect is a financial product and is issued by Peninsula Mutual Limited (AFSL 544 232). Peninsula Mutual Limited has appointed Peninsula Australia Pty Ltd as its Authorised Representative (No. 001274577) to manage distribution to its clients. Peninsula Limited has been appointed by the Mutual to handle distribution in New Zealand. These arrangements ensure that all client/member communications will continue with Peninsula.
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.
| Employment relations | Health 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 claim | Liability 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 claim | Limit $400,000 any one claim |
| Annual limit $2,000,000 in the aggregate | Annual 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.
Financial Services Guide (AU)
(dated 1 July 2024)
Product Disclosure Statement
(dated 1 September 2024 including T&C's relating to protection issued on or after 1 September 2024)
Summary of Changes
(dated 1 September 2024)
Peninsula Protect Target Market Determination
(dated 1 July 2024)
Peninsula Mutual Limited Whistleblower Policy
(dated 1 July 2024)
Financial Services Guide (AU)
(dated 1 April 2024)
Product Disclosure Statement
(dated 1 July 2024 including T&C's relating to protection issued on or after 1 July 2024)
Summary of Changes
(dated 1 July 2024)
Peninsula Protect Target Market Determination
(dated 1 June 2023)
Employsure Mutual Limited Whistleblower Policy
(dated 1 June 2023)
Product Disclosure Statement
(dated 1 April 2024 including T&Cs relating to protection issued from 1 April 2024)
Summary of Changes
(dated 1 April 2024)
Financial Services Guide (AU)
(dated 1 December 2023)
Product Disclosure Statement
(dated 1 June 2023 including T&Cs relating to protection issued between 1 June 2023 and 31 March 2024)
ANZ Summary of Changes
(dated 1 June 2023)
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)
Peninsula Protect Target Market Determination
(dated 13 October 2022)
Peninsula 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)
Peninsula Mutual Limited AGM Results
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Copyright © 2024 Employsure Pty Ltd. ABN 40 145 676 026
Peninsula Protect is a financial product issued by Peninsula Mutual Limited ACN 630 256 478, AFS Licence No. 544232. Peninsula Mutual Limited has appointed Peninsula Australia Pty Ltd as its Authorised Representative 001274577 to distribute the product and provide general advice. To decide if this product is right for you, please read the Peninsula Protect Product Disclosure Statement (PDS) and Target Market Determination.
