Labour Force

In a dynamic workforce, surprises are inevitable. Epsilon’s tailored Labour Force Insurance product equips businesses to ensure their workforce and operations are covered every step of the way.

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Labour Force Insurance

Insurance That Protects People

Our Labour Force Insurance is specifically designed to cover both employees and independent contractors for businesses such as:

Labour hire and recruitment agencies
Registered, Group & Apprenticeship Training organisations
Employment consulting services

With a thorough understanding of employment law and conditions, our world-class underwriters craft solutions aligned to specific workforce needs, ensuring businesses have comprehensive protection.

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Benefits

Why Brokers Choose Us

These standout benefits make us the best choice for Labour Force Insurance.

50 Years of Experience

With half a century of combined knowledge and expertise, Brokers and their clients are in experienced hands.

Backed by Liberty Specialty Markets

Our Labour Force product can offer high limits of indemnity underwritten 100% by Liberty Specialty Markets.

Talk to Real People

Every enquiry goes to real people with real underwriting authority.

50 Years of Experience

With half a century of combined knowledge and expertise, Brokers and their clients are in experienced hands.

Backed by Liberty Specialty Markets

Our Labour Force product can offer high limits of indemnity underwritten 100% by Liberty Specialty Markets.

Talk to Real People

Every enquiry goes to real people with real underwriting authority.

Features

Features That Deliver

Epsilon’s recent acquisition of Wellington Underwriting brings us an exceptional Labour Force insurance product, featuring exactly what businesses need.

Our tailored service ensures personal attention, with our team thoroughly reviewing contracts and partnering with Brokers to understand contractual requirements. Leveraging our deep understanding of the Labour Force market, we deliver prompt and responsive solutions that keep businesses protected and well-informed.

Broadform Liability Automatically Included

Comprehensive protection for sole traders and contractors, including principals indemnity for vicarious. It also features a waiver of subrogation writeback where required, and offers flexible policy limits ranging from $10 million to $50 million.

Professional Indemnity Automatically Included

Our Professional Indemnity Insurance includes vicarious liability for on-hired professionals, and shifts property damage and personal injuries into the Broadform Liability section. Policy limits range from $500,000 to $20 million for any one claim with one automatic reinstatement.

Adapting to New Workforce Risks with Optional Covers

Today's labour force brings with it an evolving landscape of new challenges and risks. As business operations become more complex, additional insurance coverages like Management Liability, Employment Practices, Cyber and Commercial Legal Expenses are essential to protect against emerging threats and unforeseen legal issues.

CLAIMS

Managing Claims with Care and Efficiency

Our claims process prioritises both care and efficiency. We understand that when issues arise, people need someone to listen and want to return to work quickly and easily. We adopt a compassionate and practical approach to claims, working closely with Epsilon’s underwriters, capacity providers and third-party claims resolution professionals to deliver a robust service and timely responses. With dedicated support from our experienced teams, Brokers can rely on a seamless experience focused on achieving the best outcomes for the insured.

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