Safeguarding our clients against the financial costs of workplace claims.
Running a small business is incredibly rewarding. But it can also be incredibly challenging. Operating in one of the most complex workplace relations systems in the world, it's easy to find yourself on the wrong side of legislation, facing costly legal proceedings in respect of employment matters or reparation costs when in breach of the Health and Safety At Work Act.
That's why we've developed Employsure Mutual Limited and Employsure Protect exclusively for clients of Employsure. Employsure Protect offers protection to members who have been financially impacted by the cost of legal action brought against them.
Employsure Protect allows greater flexibility in supporting and reimbursing members against claims. Employsure Mutual has no shareholders but is owned by its members existing solely to provide discretionary protection and benefits for those members. Any surplus funds are reinvested in the Mutual in the interests of members.
Because membership of the Mutual is exclusive to Employsure clients, members benefit from the improved risk profile that Employsure’s core services deliver, resulting in lower overall claims costs. By pooling contributions for discretionary protection, the Mutual is able to manage claims within its agreed pooled risk retention and to leverage the strength of the membership to buy insurance for the mutual to ensure it is always able to cover all claims above the pooled risk. The savings achieved can be passed through to members.
With Employsure Protect we are stronger together.
Employsure Mutual is controlled by a board that includes directors who are Employsure clients – small business owners just like you who understand the risks and challenges of running a small business. Employsure Protect offers increased limits of protection, broader cover and peace of mind in the event that your business is impacted by legal action. The board is able to exercise its discretion in areas of membership, scope and cost of protections and claims. This discretion provides a level of flexibility that commercial insurers can find difficult to balance with the competing needs of shareholders.
The protection provided by Employsure Protect is a discretionary risk product and is provided by Employsure Mutual Limited (AFSL 544 232). Employsure Mutual is regulated by the Australian Securities & Investments Commission (ASIC) in Australia. Employsure Mutual has appointed Employsure Pty Ltd as its Authorised Representative (No. 001274577) to manage distribution in Australia. Employsure Limited has been appointed by the Mutual to handle distribution as a discretionary risk product in New Zealand. These arrangements ensure that all client/member communications will continue with Employsure.
Full details of the protection are contained in the Product Disclosure Statement and should be carefully considered along with the Target Market Determination to determine whether the product is suitable for you. The advice contained on this page is general and does not consider your personal objectives, financial situation or needs.
| Employment relations | Health and safety statutory liability |
| Legal liability and defence costs in respect of employment claims and actions arising out of an employment claim | Liability for reparation costs and defence costs arising from breaches of the health and safety legislation |
| Limit $400,000 any one claim | Limit $400,000 any one claim |
| Annual limit $2,000,000 in the aggregate | Annual limit $2,000,000 in the aggregate |
| Additional $5,000 cover for investigation (new feature) | Nil excess |
| Nil excess |
The above is a summary of the protection provided for businesses in New Zealand full details of which are included in the PDS.
Product Disclosure Statement
(dated 1 April 2024 including T&Cs relating to protection issued between 1 April 2024 and 31 March 2025)
NZ Summary of Changes
(dated 1 April 2024)
Employsure Mutual Whistleblower Policy
(dated 1 June 2023)
Product Disclosure Statement
(dated 1 June 2023 including T&Cs relating to protection issued between 1 June 2023 and 31 March 2024)
ANZ Summary of Changes
(dated 1 June 2023)
Product Disclosure Statement
(dated 1 April 2023 including T&Cs relating to protection issued between 1 April 2023 and 31 March 2024)
Summary of Changes to Product Disclosure Statement
(dated 1 April 2023)
Employsure Protect Target Market Determination
(dated 13 October 2022)
Employsure Mutual Whistleblower Protection Policy
(dated 13 October 2022)
Product Disclosure Statement
(dated 12 March 2019 including T&Cs relating to protection issued between 1 April 2019 and 31 March 2020)
Product Disclosure Statement
(dated 30 March 2020 including T&Cs relating to protection issued on or after 1 April 2020)
Product Disclosure Statement
(dated 30 March 2021 including T&Cs relating to protection issued on or after 1 April 2021)
Product Disclosure Statement
(dated 31 March 2022 including T&Cs relating to protection issued between 1 April 2022 and 31 March 2023)
Summary of Changes to Product Disclosure Statement
(dated 1 April 2020)
Summary of Changes to Product Disclosure Statement
(dated 1 April 2021)
Summary of Changes to Product Disclosure Statement
(dated 1 April 2022)
Have a question that hasn't been answered? Fill in the form below and one of our experts will contact you back.
Not a client yet?
0800 568 012Existing clients call
0800 675 700Existing clients (overseas)
+64 9 941 5205Employsure Office
8 Tangihua Street, Auckland CBDConnect
Copyright © 2024 Employsure Pty Ltd. ABN 40 145 676 026
Employsure Protect is a discretionary risk product issued by Employsure Mutual Limited ACN 630 256 478 (AFSL 544232). Employsure Mutual has appointed Employsure Limited to distribute the product in New Zealand. To decide if this product is right for you, please read the Employsure Protect Product Disclosure Statement.
