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Labour Hire Insurance Designed for On-Hire Workforce Providers

Specialist insurance programs for labour hire and staffing businesses supplying workers across Australia.

  • Public liability for on-hired workers
  • Professional indemnity for recruitment and placement services
  • Management liability for directors and officers
  • Tailored programs aligned to host employer contracts
Get My Labour Hire Insurance Quote

Request a Labour Hire Insurance Quote

No obligation. Insurance structured to your workforce and host contracts.

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Australian insurance brokers
Programs aligned with labour hire legislation
Access to leading insurers
Understanding Your Cover

What Is Labour Hire Insurance?

Labour Hire Insurance is a tailored insurance solution designed to protect businesses that supply workers to host employers across industries such as construction, manufacturing, warehousing, logistics, healthcare and professional services.

Because labour hire providers sit between workers and host employers, they face heightened liability exposure, complex workers’ compensation obligations and contractual risk. Labour Hire Insurance brings together the key covers required to operate compliantly and protect against claims arising from supplied labour. Cover is typically structured as a coordinated insurance program rather than a single policy.

Is This For You?

Who Labour Hire Insurance Is For

This insurance is commonly arranged by:

Labour hire and recruitment agencies
On-hire employment providers
Workforce and staffing firms
Construction labour hire companies
Warehousing, logistics and manufacturing labour providers
Healthcare and aged care staffing agencies
IT, engineering and professional labour hire firms
Businesses supplying temporary, casual or contract workers
Cover Options

What Does Labour Hire Insurance Typically Cover?

Public & Products Liability

Legal liability for injury or property damage caused by on-hire workers at host sites.

Professional Indemnity

Claims arising from errors, omissions or negligent placement of workers, particularly skilled or professional labour.

Management Liability

Protection for directors, officers and the entity against employment practices, statutory liability and management risks.

Personal Accident (Optional)

Additional accident benefits for workers not captured under workers’ compensation or where enhanced protection is required.

Beyond the Basics

Additional Covers & Policy Extensions

Policy Options

How Labour Hire Insurance Is Structured

1

Combined Insurance Programs

Professional Indemnity & Public Liability policies structured together avoiding gaps in cover, with comprehensive wordings to ensure your labour hire company is adequately insured.

2

Tailored to Risk

Policies are customized based on whether the workers are blue-collar (higher risk) or white-collar (lower risk). Premiums and cover terms reflect the actual risk profile of the workforce being supplied.

Liability policies are generally written on an occurrence basis, while professional indemnity is written on a claims-made basis. Premiums are influenced by worker numbers, wages, industries supplied, host risk profiles and claims history. Host contracts and labour supply agreements should be reviewed as part of placement.

Why It Matters

Tailored labour hire cover solutions

Labour hire arrangements carry elevated legal risk

Host employers often require high limits and specific endorsements

Workers’ compensation obligations are complex and regulated

Protects against injury, negligence and employment claims

Supports labour hire licensing and tender requirements

Protect Your Labour Hire Business With Confidence

Speak with a broker who understands labour hire and on-hire workforce risk.

Get My Labour Hire Insurance Quote

Important: Labour Hire Insurance requirements vary by state and territory, particularly for workers’ compensation, licensing and labour hire legislation. Incorrect worker classification or inadequate cover can result in uninsured claims, regulatory penalties or policy voidance. Advice from an insurance broker is essential to ensure compliance with host contracts, licensing requirements and multi-state operations.

FAQ's

Labour Hire Insurance is a tailored insurance program designed for businesses that supply workers to host employers. It typically combines Workers’ Compensation, Public Liability, Professional Indemnity and Management Liability to protect against claims arising from supplied labour.
No. Workers’ Compensation covers injury to your workers, but it does not cover third-party claims, contractual liability, negligent placement claims or management exposures. Labour hire providers generally require a broader insurance program.
In most cases, the labour hire employer (the agency) is responsible for Workers’ Compensation. However, liability between the labour hire provider and host employer can become complex depending on contracts and supervision arrangements.
Yes. Many host employers require labour hire providers to include indemnity to principal clauses, cross-liability extensions and higher liability limits. Insurance must align with contractual requirements.
Professional Indemnity Insurance within a labour hire program can respond to claims alleging negligent recruitment, placement errors or failure to properly vet a worker.
Workers’ Compensation is mandatory for employers. In addition, many states require labour hire licensing, which may impose insurance requirements. Clients and host employers will often require evidence of adequate cover before engagement.
Industries such as construction, warehousing, manufacturing, healthcare, transport and mining typically require tailored labour hire insurance due to higher injury and liability exposure.
This depends on how subcontractors are classified. Some contractors may be deemed workers for Workers’ Compensation purposes. It is critical to correctly declare worker types to avoid coverage gaps.
Premiums are generally based on total wages, number of workers supplied, industry classification, claims history, host employer risk profile and geographic operations.
Incorrect classification can result in underinsurance, premium adjustments, penalties or denied claims. Accurate wage declarations and industry coding are essential for compliance and protection.
If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.
Get My Labour Hire Insurance Quote