What is Labour Hire Insurance?
Labour Hire Insurance helps businesses manage the risks involved in employing workers and placing them with other companies. Even when employees work on-site for a host organisation, the labour hire provider remains their legal employer and may still be responsible for workers compensation, employment-related matters and certain liabilities arising from their work.
Because labour hire arrangements vary, there is no single insurance policy that addresses every exposure. A business may require Workers Compensation, Public Liability, Professional Indemnity or Management Liability Insurance, as well as additional specialist protection. The types of cover needed will depend on the workers being supplied, the industries they operate in, the terms of each contract and the responsibilities retained by the labour hire provider.
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Understanding Labour Hire Insurance in Perth
Perth’s labour hire market supports a broad range of industries including mining and resources, construction, manufacturing, logistics, healthcare and professional services. Mining, professional services and healthcare are among the city’s major employment sectors, while Perth also serves as a corporate and workforce hub for Western Australia’s resources industry.
This creates distinctive risks for labour hire businesses. A Perth agency may place office staff within the CBD, tradespeople into Welshpool or Canning Vale workshops and workers on mining or construction projects across regional Western Australia. Different host sites can expose workers to heavy machinery, vehicles, remote travel, shift work and site-specific safety procedures. Manufacturing, transport, construction and mining support services are particularly prominent across Perth’s major industrial areas.
Labour hire arrangements also involve responsibilities shared between the agency and host business. Under Western Australian work health and safety laws, both labour hire and host PCBUs have duties towards labour hire workers and are expected to consult, cooperate and coordinate on workplace risks.
Who needs Labour Hire Insurance in Perth?
Labour Hire Insurance may be relevant for Perth businesses supplying workers into:
The appropriate cover will depend on the industries you service, the duties workers perform, host locations, payroll, worker numbers and contractual requirements.
A business placing administrative workers into Perth offices has a very different exposure from one supplying boilermakers, machine operators or electricians to industrial and remote resource sites.
Key insurance covers for Perth labour hire businesses
Labour hire businesses may require several forms of insurance rather than relying on one policy.
Some key insurance covers may include:
Policy limits, exclusions, excesses and conditions should be reviewed against the work your employees actually perform and the contracts you hold.
Why choose Crucial Insurance for Labour Hire Insurance in Perth?
Crucial Insurance and Risk Advisors is a multi-award-winning, AFS-licensed insurance brokerage with experience in labour hire and other specialised business risks. Crucial works with businesses ranging from smaller operators to larger organisations and assists clients with both traditional and harder-to-place insurance requirements.
We offer Perth labour hire businesses:
Protect your labour hire business with insurance that reflects who you employ, where they work and the industries you service.
Contact us now!