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Employsure Protect

Safeguarding our clients against the financial costs of workplace claims, litigation and the 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 penalties when in breach of the Health and Safety Act or the Fair Work Act.

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.

Safeguarding our clients against the financial costs of workplace claims, litigation and the 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 penalties when in breach of the Health and Safety Act or the Fair Work Act.

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.

More flexible protection

Employsure Protect goes beyond the limits of a typical insurance policy, allowing greater flexibility in supporting and reimbursing members against claims that may not have been previously covered by standard insurance. It operates on a not for profit basis with no shareholders and 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 to ensure it is always able to cover all claims above the pooled risk.  There is no requirement for a profit margin and the savings achieved can be passed through to members.

With Employsure Protect we are stronger together.

More flexible protection

Employsure Protect goes beyond the limits of a typical insurance policy, allowing greater flexibility in supporting and reimbursing members against claims that may not have been previously covered by standard insurance. It operates on a not for profit basis with no shareholders and 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 to ensure it is always able to cover all claims above the pooled risk.  There is no requirement for a profit margin and the savings achieved can be passed through to members.

With Employsure Protect we are stronger together.

By clients, for clients

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 the Mutual has authorised Regis Mutual Management Pty Ltd (AFSL 338156) to act as its Authorised Representative (No: 001274577) for distributing the financial products to members of the Mutual.  Regis has in turn appointed Employsure Pty Ltd (Australia) and Employsure Limited (New Zealand), as its agents to assist with distribution.  This ensures that all client / member communications will continue with Employsure as currently.

Full details of the protection are contained in the Product Disclosure Statement.

By clients, for clients

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 the Mutual has authorised Regis Mutual Management Pty Ltd (AFSL 338156) to act as its Authorised Representative (No: 001274577) for distributing the financial products to members of the Mutual.  Regis has in turn appointed Employsure Pty Ltd (Australia) and Employsure Limited (New Zealand), as its agents to assist with distribution.  This ensures that all client / member communications will continue with Employsure as currently.

Full details of the protection are contained in the Product Disclosure Statement.

WHAT'S COVERED?

Employsure Protect provides two areas of protection:

Employment relations

Legal liability and defence costs in respect of employment claims and actions brought by the Fair Work Commission arising out of an employment claim
Limit $400,000 any one claim (increased from $200,000 any one claim in expiring cover)
Annual limit $2,000,000 in the aggregate
Additional $5,000 cover for Fair Work Commission investigation (new feature)
Nil excess

Health and safety statutory liability

Liability for penalties and defence costs arising from any wrongful breach of the health and safety legislation
Limit $400,000 any one claim (increased from $200,000 any one claim in expiring cover)
Annual limit $2,000,000 in the aggregate
Nil excess

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

WHAT'S COVERED?

Employsure Protect provides two areas of protection:

Employment relations

Legal liability and defence costs in respect of employment claims and actions brought by the Fair Work Commission arising out of an employment claim
Limit $400,000 any one claim (increased from $200,000 any one claim in expiring cover)
Annual limit $2,000,000 in the aggregate
Additional $5,000 cover for Fair Work Commission investigation (new feature)
Nil excess

Health and safety statutory liability

Liability for penalties and defence costs arising from any wrongful breach of the health and safety legislation
Limit $400,000 any one claim (increased from $200,000 any one claim in expiring cover)
Annual limit $2,000,000 in the aggregate
Nil excess

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

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