Liability Specialist Cover

Host Employer Liability Cover (HELP)

Labour Force Professional Liability Cover

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Labour Force Professional Liability Policy

Executive Summary

The Labour Force Professional Liability Policy was developed to cater for a growing need in the Australian insurance market. This policy is recognised as the industry leader and is the only “complete” liability cover on offer tailored for the labour hire, recruitment, group training and related industry participants. Lawsons invite brokers to target existing and new clients with this market leading, individually underwritten, tailored and "complete" professional liability package. This is an opportunity to tap into the $20 billion dollar turnover industry segment. Are you getting your share?

The package automatically includes the following components;

Public and Products Liability
Professional Indemnity
Directors and Officers Liability
Fidelity ($250,000)
Representation Costs at Enquiries ($250,000)
Statutory Fines and Penalties ($250,000)

The options are also to include Employment Practices Liability.

Key components of the cover include;

Public and Products Liability
Includes contractors as an insured entity.
Does not have any professional exclusion relating to property damage or personal injury in relation to advice which is not given for a fee.
Includes some cover for registered vehicles being driven by on hired workers.
Includes liability for damage to goods being transported.

Professional Indemnity

• Includes single Director “Pty Ltd” contractors as insured entity.
• Includes vicarious liability for “on hired” professionals.
• Moves property damage and personal injury matters to liability section, thus avoiding possible “gaps” in cover between insurers.

By wrapping this suite of covers together, without any pre-condition or requirement to enter into “uncertain” transfer of liability, via contractual indemnities, this product provides the broadest cover available for labour industry participants, at a very competitive price.