In today’s competitive and ever-evolving work environment, it’s important you look after your employees and show them you care.
With so many companies offering an assortment of benefits such as flexible hours, unconventional workspaces, gym memberships and other perks, it’s essential that your employees know you have their back.
What is 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.
Who needs it?
All organisations that have employees in New South Wales, Victoria, Western Australia, South Australia and Tasmania should consider getting employee travel insurance.
Please note: An organisation’s public liability policy does not cover journey claims.
What does Employee Journey Insurance include?
- 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.
- The Workers Compensation Act(s) dictates whether “journey” cover would be applicable and this varies by State. As from June 2012, and aligned with other States, NSW effectively removed coverage for employees direct travel to and/or from work with possible ramifications on employers in respect of their duty of care to their employees.
- Workers Compensation does not cover employee journey claims in Western Australia, South Australia, New South Wales, Tasmania and Victoria. This being the case, a worker travelling to and from work in these four states has no protection.
- Coverage can be obtained for these workers at very good premiums, given economies of scale and leveraging buying power through an Employee Journey Insurance Policy. This type of policy will provide employees with up to 104 week’s salary should a covered incident occur.
- 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.