Protects against injury or property damage caused by your workers while on assignment. This is essential for client site access and legal compliance.
Workers Compensation, Liability & More
Labour Hire Insurance
Australia’s labour hire sector is a vital cog in the country’s employment system. Whether you’re providing temp staff to construction sites, placing contract workers in logistics, or assigning health professionals to aged care facilities, your business keeps industries moving.
Yet this agility comes with significant exposure. Labour hire agencies are legally accountable for the workers they place, even when those individuals are under someone else’s supervision. That’s why you need insurance designed specifically for the way you operate.
At High Risk Cover, we deliver tailored insurance solutions for Australian labour hire businesses, helping you stay protected, compliant, and ready to scale.
Yet this agility comes with significant exposure. Labour hire agencies are legally accountable for the workers they place, even when those individuals are under someone else’s supervision. That’s why you need insurance designed specifically for the way you operate.
At High Risk Cover, we deliver tailored insurance solutions for Australian labour hire businesses, helping you stay protected, compliant, and ready to scale.
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WHAT MAKES LABOUR HIRE SO HIGH RISK?
The key risks include:
- Worker injuries on client job sites
- Damage caused by your staff to client property or third parties
- Negligent recruitment or placement
- Vicarious liability for workplace behaviour
- Misclassification of workers (e.g. contractor vs employee)
- Uninsured gaps that breach client contracts
Labour hire businesses often find themselves in complex legal positions — acting as employers in name but handing over daily supervision to third-party host clients. This shared duty of care creates overlapping responsibilities for safety, wages, and conduct.
Without robust and specific insurance, a single claim can lead to financial loss, reputational damage, or legal penalties.
Frequently Asked Questions
Do you cover ABN or self-employed contractors?
Yes, where applicable. We work with you to structure cover depending on whether your contractors meet legal definitions under workers comp law.
What happens if I operate across multiple states?
We structure policies to match the state-based workers comp and regulatory requirements of each jurisdiction.
Can I use this insurance for public sector tenders?
Absolutely. We tailor cover to meet all documentation and compliance needs for local, state and federal government contracts.
Is insurance tax deductible for labour hire firms?
Yes — most business insurance premiums are tax-deductible. Please confirm with your accountant.
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Core Insurance Policies for Labour Hire Providers
At High Risk Cover, we don’t offer generic commercial packages. We build your cover from the ground up based on your services, staff structures, contracts and exposure level.
Compulsory for employers in all states and territories. We ensure you’re correctly registered with your relevant workers comp authority (e.g. icare NSW, WorkCover QLD, WorkSafe VIC).
If your advice or recruitment services result in client loss — such as placing someone unqualified — PI insurance provides protection against legal and financial claims.
Company directors and managers are personally exposed to claims under the Corporations Act, Fair Work Act, and OHS laws. This cover protects you against wrongful dismissal, discrimination, and mismanagement claims.
For businesses that provide tools, PPE, or company vehicles to their placed staff, this policy protects against loss, damage or theft.
Covers office equipment, laptops, portable devices and other business assets used across multiple client locations or in the field.
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