Workers compensation, public liability, management liability and professional indemnity cover options for labour hire businesses placing labourers, plant operators, traffic controllers and trades on construction and civil sites across Australia. Talk to a specialist broker.
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Reviews
Amazing service, efficient, reliable and most of all...stress free. Dani, you are a star, thank you so much for sorting my new policies. A very different and better experience to that had with my previous Broker. Keep up the great work.
Danielle has been an absolute blessing for us. She reached out to me after seeing a disheartened and desperate comment by me in an online group. We had desperately been searching for coverage for our dream property in Tasmania - two other brokers (including a huge company with offices all over the country) had exhausted their options and not been able to help, and settlement was looming. Danielle was professional but also very friendly, warm and reassuring during my stressing out, and I knew she was going above and beyond to get this done! She kept me in the loop every step of the way...and succeeded in getting us a policy within a matter of days! I am so, so grateful, and cannot recommend her highly enough! She is amazing at what she does and is a genuinely wonderful human too!
It was so refreshing to have someone take the time to explain the important clauses of the professional indemnity insurance. The customisation was really good. Would highly recommend.
Danielle at SOL Insurance is amazing! Was a huge support during a really busy time when our insurances had lapsed and another broker hadn’t found a suitable alternative. Dani kept on top of things and acted fast to get us cover, and with a solid price point compared to what I had found with my own enquiries. Will absolutely use Dani again having come highly recommended to us, and I’d gladly recommend SOL insurance to others.
Danielle is fantastic. Very efficient and she got me an excellent quote/insurance. I highly recommend her, if you are like me a small business that has to cover insurance.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
Construction and civil sites are some of the highest-risk places you can send a worker. Your labourers, plant operators and trades may be working around excavations, heavy machinery, live traffic and heights, on sites run by builders and principal contractors who set strict insurance and safety requirements. As the labour hire provider, you generally remain the employer, even though someone else controls the site. Sol Insurance Brokers can help you explore cover options that reflect the risks of placing workers in construction and civil environments.
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A statutory requirement in every Australian state and territory for businesses that employ workers, including labour hire providers placing staff with host businesses. Can help cover the cost of a workplace injury claim, subject to the relevant state legislation.
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Is designed to help protect you against claims for third-party injury or property damage arising from your business activities, subject to policy terms.
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Can help cover the costs of defending claims against your business arising from employment-related disputes, and certain regulatory investigations, such as those under a state labour hire licensing scheme, subject to policy terms.
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Is designed to help protect you against claims for financial loss arising from an error in your labour supply process, such as placing a worker without verifying they hold a required licence or qualification, subject to policy terms.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness and Cyber Insurance, where relevant and subject to policy terms, conditions and exclusions.
Placing a plant operator or worker without the high risk work licence, tickets or inductions the task requires.
A placed labourer is injured on site, such as being struck by plant or falling from height, while working under the principal contractor's direction.
Damage to a client's property, plant or underground services allegedly caused by a worker you placed.
A dispute over whether the labour hire provider or the principal contractor was responsible for inductions, supervision or safe systems of work.
A regulatory investigation following a serious incident on a construction site involving a worker you placed.
Principal contractor agreements that require specific insurance limits, indemnities or proof of cover before your workers can start.
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Victoria, Queensland, South Australia and the ACT operate labour hire licensing schemes, and providing or using unlicensed labour hire in these states can carry significant penalties. New South Wales, Western Australia, the Northern Territory and Tasmania do not currently have a comprehensive scheme, though requirements are updated periodically. Check the current rules with the relevant state regulator before placing or accepting workers. Separately, workers you place may need their own licences or tickets for the tasks they perform, such as a high risk work licence or a general construction induction (White Card).
As the legal employer, a labour hire provider is generally responsible for workers compensation, even though the host business directs the work. Public liability and workers compensation can both be relevant, and responsibility can depend on the specific circumstances of the incident and the arrangement with the host.
Often, yes. Builders and principal contractors commonly ask labour hire providers for a certificate of currency and may set minimum limits, such as $10 million or $20 million public liability. Many subcontract agreements also include indemnity clauses. Send us the contract before you sign and we can go through the insurance requirements with you.
Even small labour hire providers employ staff and operate under state licensing obligations, which can give rise to employment disputes or regulatory investigations. Management liability can help cover the costs of defending these, and can be relevant regardless of business size.
Professional indemnity is designed to respond to claims for financial loss arising from an error in your labour supply process, such as inadequate verification of a worker’s licence or qualification, subject to policy terms. It does not replace your obligation to hold a required labour hire licence yourself.
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