Alex RowlandExecutive Director
People Risk
From human error to bullying claims, people risk comes in many formats.
Your people are your greatest asset, why wouldn’t you insure them?
Insurance exists to safeguard you against financial loss and unexpected events – and that protection extends to your people. Whether it’s your employees or your leadership team, people risk coverages ensures that those who drive your business are protected from unforeseen challenges.
People risk refers to potential problems due to human error, employee misconduct or workforce-related issues.
Workers’ compensation is a mandatory coverage for employers in Australia, providing benefits to employees who suffer work-related injuries or illness, covering medical expenses, rehabilitation, and lost wages. This critical cover reduces employer exposure and ensures employees receive the support they need.
Key contacts
At Willis Temby, we do more than protect your assets – we help you navigate risks, overcome challenges, and uncover new opportunities.
As a trusted Australian insurance brokerage, we deliver tailored solutions that safeguard your business and personal interests while empowering you to thrive with confidence.
Key motor vehicle insurance products include:
Workers Compensation Insurance
Group Personal Accident (EBA) Insurance
Group Journey Insurance
Corporate Travel Insurance
Management Liability Insurance
Directors and Officers Insurance
Employment Practices Liability Insurance
Other people risk solutions include management liability insurance (protecting directors and officers against claims of wrongful acts to managing the company) and employment practices liability insurance (protecting businesses against claims made by employees, former employees or even job applicants alleging wrongful employment practices).
People risk insurance shields businesses from costly lawsuits, enhances trust among staff, and reinforces responsible corporate governance. Policies help create a safer, more resilient business environment.
Workers' Compensation
Workers’ compensation schemes differ between states and territories and understanding your obligations to cover your workforce is critical.
As the labour market tightens, interstate workforce solutions are increasing, creating exposure for businesses who don’t understand ‘State of Connection’ clauses – the current Western Australian Workers Compensation Act version follows:
s. 529 Connection of employment with a State
(1) A worker’s employment is connected with —
(a) the State in which the worker usually works in that employment; or
(b) if no State or no one State is identified by paragraph (a) — the State in which the worker is usually based for the purposes of that employment; or
(c) if no State or no one State is identified by paragraph (a) or (b) — the State in which the employer’s principal place of business in Australia is located.
Critically, if a worker primarily performs work from a state outside your organisation’s primary state of operation, your existing (State based) workers’ compensation insurance will not provide cover for them.
In these circumstances, you are required to obtain workers’ compensation for the respective state in which the worker works. This test can also see Workers who fly in and fly out (or drive in and drive out) fall outside of your Workers Compensation policy.
For a full understanding of workers’ compensation insurance for your industry, and to understand if your business is compliant, connect with a Willis Temby insurance expert.
Management Liability Insurance
In Australia, we operate in a complex regulatory and legal environment, often intensified by industry specific oversight and scrutiny from stakeholders. As compliance obligations expand, organisations face growing exposure, making effective management of liability a critical element of your risk management.
At the centre of these exposures are directors, officers and managers. As the primary decision‑makers, they carry the greatest responsibility and, under Australian law, may be held personally liable for their business decisions and/or actions. Even when acting in good faith, directors and senior executives can face claims that put their personal assets, reputations, and careers at risk.
Management liability claims commonly arise from allegations of mismanagement, breach of duty, or failure to comply with legal and regulatory requirements. These may be brought by employees, shareholders, regulators, creditors, or other external parties, and can result in significant legal defense costs, regardless of whether the allegations are ultimately proven accurate.
Management liability insurance provides essential protection against these risks, safeguarding personal assets and the financial stability of the organisation itself. Typical policies include: D&O Liability (D&O), Employment Practices Liability (EPL), Corporate Liability and protection against Crime.
Process
Understand
We start by developing a strong partnership; our team takes the time to deeply understand your operational requirements and risk profile, ensuring every decision is aligned with your business objectives.
Analyse
We conduct a thorough review of your current insurance program to identify gaps, inefficiencies, and opportunities for improvement. This analysis forms the foundation for a more robust and effective solution.
Customise
Based on our findings, we design and negotiate a customised insurance program that delivers favourable terms and aligns with your unique needs.
Advocate
From smooth implementation to proactive claims advocacy, we stand by you every step of the way, from inception to claims, ensuring your interests are fully represented.
Talk to an insurance expert today
Receive personalised guidance from insurance specialists who understand your business needs and risks.
With decades of experience, we'll help you make confident decisions.
Contact Us
08 9227 8233
Communications@WillisTemby.com.au
7 Alvan Street, Mount Lawley 6050, WA