What is Employee Journey Insurance?
Employee Journey Insurance provides cover to employees for personal injury that occurs while travelling to or from their normal place of residence and employment.
As Workers Compensation does not cover employee journey claims in Western Australia, South Australia, New South Wales, Tasmania and Victoria, a worker travelling to and from work in these four states has no protection.
The premiums on Employee Journey Insurance Policies are typically low and will provide employees with up to 104 week’s salary should a covered incident occur.
Do I need it?
All organisations that have employees in New South Wales, Victoria, Western Australia, South Australia and Tasmania should consider getting Employee Journey Insurance.
Please note: An organisation’s public liability policy does not cover journey claims.
What does it cover?
- Compensation for personal injury that occurs whilst travelling to or from work,
- This could be anything from a car, bus or train accident, and assault from another person or injury caused from falling or being hit by falling objects.
- If an employee is injured whilst travelling and is not covered, this can cause staff unrest. This is amplified for employers with employees in more than one state as employees generally expect similar standards of coverage and benefits to their interstate colleagues.
- In today's competitive employment market this low cost benefit can help to differentiate your business from other employers and is a clear way to demonstrate your desire to protect your employees.