HOST EMPLOYER LIABILITY POLICY (HELP) vertical worker to worker cover

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Victoria Ramsey
8 years ago
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1 HOST EMPLOYER LIABILITY POLICY (HELP) vertical worker to worker cover

2 Definitions Third Party Workers Employees of an organisation whose services are carried out for another organisation not being their direct employer Host Employer A business for whom work is carried out by an employee of another organisation Host Employer Liability That liability which potentially rests with the host employer for injuries sustained by third party workers whilst carrying out work for the host employer

employee of another organisation Host Employer Liability That liability which potentially rests with the

3 The scenario Third party worker at host employer operation becomes incapacitated as a result of an incident Claim by worker will be against direct employer under individual Workers Compensation legislation, however Opportunity exists for common law claim against host either by worker or as a subrogated action by Workers Compensation Insurer/Authority

Workers Compensation legislation, however Opportunity exists for common law claim

4 The issues Host employers access their public liability cover to meet claims by third party workers Public liability insurers are paying these claims Public liability premium pool being polluted by these claims, resulting in Increased exposure to public liability insurers that has not been specifically reflected in the premium Insurers are increasing premiums, withdrawing cover or imposing high deductibles Host employers are seeking to transfer risk by using contractual indemnities continued uncertainty

public liability insurers that has not been specifically reflected in the premium Insurers are increasing premiums,

5 Vertical worker to worker cover

6 The solution A new liability product specifically designed for and promoted to the host employers Cover can also be initiated by your labour hire company as a proactive commercial undertaking on behalf of their host employer client Creates a new unpolluted liability pool, thus removing the impact on existing public liability insurance of host employers Ongoing risk management and OH&S processes which underpin the ongoing integrity of the product Risk management and treatment of third party workers reinforces and correctly reflects the current obligations at law

removing the impact on existing public liability insurance of host employers Ongoing risk management and OH&S processes which underpin the

7 Extent of cover Single exposure liability policy arising from injury to third party workers Limit of liability $10,000,000 any one occurrence Includes $50,000 sub limit for legal costs of representation at OH&S work safe actions and/or appearances at coronial inquiries Policy wording endorsed to note specific relationship between host employer and labour hire company Standard $5,000 deductible / contribution to costs Policy issued in an occurrence format Premium calculated on wage base, industry and jurisdiction

coronial inquiries Policy wording endorsed to note specific relationship between host employer and labour hire company Standard

8 Opportunity Ability to quarantine costs of injury claims from third party workers Remove uncertainty of liability exposure Remove need for contractual transfer of liability for third party worker injuries (cost and certainty benefit) Assumption of own responsibility provides more knowledge and better claims management Enhanced relationship with labour hirer/contractor allows improved interaction on injury management Flow on benefit from risk management of OH&S procedures for third party and direct employees

own responsibility provides more knowledge and better claims management Enhanced relationship with labour hirer/contractor

9 Distribution Brokers to their host employer clients Brokers to their labour hire clients in lieu of onerous contractual indemnities Complete the HELP questionnaire / application and send to Lawsons Underwriting for quotation Underwritten by WR Berkley Insurance Australia; i.e.100% Australian cover (not offshore) Claims managed by WR Berkley Insurance Aust. in Australia

send to Lawsons Underwriting for quotation Underwritten by WR Berkley Insurance Australia; i.

10 The process Identify host employer clients that have concerns with this exposure or labour hire clients who give onerous indemnities Include host employer client in discussions about taking out this cover Enquire at the Lawsons Underwriting website or call / one of our underwriters Complete and submit the HELP questionnaire / application in conjunction with the host employer client Lawsons Underwriting will conduct a prompt assessment of the information, liaise with you as necessary and provide a detailed HELP quote Notification of acceptance of quote is provided to Lawsons Underwriting, then cover is confirmed and risk bound

au or call / email one of our underwriters Complete and submit the HELP questionnaire / application in conjunction with the host employer client Lawsons Underwriting

11 Thank you Lawsons Underwriting Australasia Limited AFS Licence # Kevin Corkery Mob kevin.corkery@lawsonsuwa.com.au Megan Sheehan Mob megan.sheehan@lawsonsuwa.com.au Natalie Lings Mob natalie.lings@lawsonsuwa.com.au

au Megan Sheehan Mob. 0409 914 899 megan.sheehan@lawsonsuwa.com.

labour force professional liability insurance

labour force professional liability insurance application form Notices 1. Intermediary Acting as an Agent for Insurer In effecting this contract of insurance, Lawsons Underwriting Australasia Ltd ABN 35