Household Worker Insurance

Brett Walz

December 9, 2018

Did you know you can get a WorkCover Household Workers’ Insurance policy at a cost of $50 for a two-year term in Queensland?

Paying workers to help you around the home can make you an employer.

According to the Workcover website, household workers include cleaners, nannies, baby sitters, gardeners, handymen and in-home carers. Individual sole trader contractors with ABN’s operating their own business may also be considered to be household workers.

If you employ a household worker in, or about, or in connection with your primary place of residence or connected property, it is compulsory to take out a Household Workers’ Insurance Policy. This will cover you against potential compensation costs if the worker is injured while working for you.

The current period of insurance runs from 1 January 2017 to 31 December 2018. This is a set time frame where all policies have a common end date irrespective of when the policy commences. The premium is not pro-rated and is discounted to $25 if a policy is taken out less than 12 months before the common end date.

There is a useful table on the Workcover website that shows instances of when a Household Workers’ Insurance Policy or Accident Insurance Policy is required, which can be found at:  https://www.worksafe.qld.gov.au/insurance/which-insurance-product-is-right-for-you/household-worker-insurance 

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