Employsure Mutual

Employsure Mutual
Protecting your business

Employsure members call

Employsure Mutual Limited (Employsure Mutual) is a member owned discretionary mutual with over 30,000 members. Membership of Employsure Mutual is exclusive to clients of Employsure. Members have access to Employsure Protect, a financial product providing discretionary protection against employment relations claims and health and safety claims.

Membership of Employsure Mutual is exclusive to clients of Employsure. Members benefit from the improved risk profile that comes from the delivery of Employsure’s core services to members that share common issues, resulting in lower overall claims costs. By pooling contributions for discretionary protection, Employsure leverages the strength of its membership to manage claims and reduce overheads.

Employsure Mutual’s board includes member directors who as small business owners understand the risks and challenges of running a small business. The board can exercise discretion in areas of membership, scope and cost of protection and claims.

For more information and full terms and conditions, please read the Employsure Protect Product Disclosure Statement, Financial Services Guide and Target Market Determination here.

Membership of Employsure Mutual is exclusive to clients of Employsure. Members benefit from the improved risk profile that comes from the delivery of Employsure’s core services to members that share common issues, resulting in lower overall claims costs. By pooling contributions for discretionary protection, Employsure leverages the strength of its membership to manage claims and reduce overheads.

Employsure Mutual’s board includes member directors who as small business owners understand the risks and challenges of running a small business. The board can exercise discretion in areas of membership, scope and cost of protection and claims.

Smiling Employsure Client
Smiling Employsure Client

Membership of Employsure Mutual is exclusive to clients of Employsure. Members benefit from the improved risk profile that comes from the delivery of Employsure’s core services to members that share common issues, resulting in lower overall claims costs. By pooling contributions for discretionary protection, Employsure leverages the strength of its membership to manage claims and reduce overheads.

Employsure Mutual’s board includes member directors who as small business owners understand the risks and challenges of running a small business. The board can exercise discretion in areas of membership, scope and cost of protection and claims.

Member benefits

All members of Employsure Mutual, as clients of Employsure, have the benefit of the following:

How to join

Employsure Mutual is available exclusively to clients of Employsure Pty Ltd and Employsure Limited (collectively, Employsure) who are invited to join. As a member, there is an automatic invitation to apply for the Employsure Protect product. Clients are given the opportunity to complete an application form and, if accepted, offered membership and the Employsure Protect membership benefit.

As a provider of discretionary protection, the Employsure Mutual board has absolute discretion to provide protection. This means more flexibility and higher percentage of claims covered compared to other financial products such as insurance.

Two types of protection offered

Full details of the protection are contained in the Product Disclosure Statement and should be carefully considered to determine whether the product is suitable for you. The advice contained on this page is general and does not consider your personal objectives, financial situation or needs.

In order to have the benefit of protection Members are required to seek and follow advice from Employsure on becoming aware of circumstances which may give rise to a claim (see exclusions listed at Clauses 4 and 6 in Part 2 of the PDS).

Number 1

Employment Relations

Members have a right to claim for losses they are liable to pay in respect of an employment claim including unfair dismissal, general protections and discrimination.

Cover includes:

Number 2

Health and Safety

Members have a right to claim for losses suffered when a claim is made by a regulatory body for liabilities arising from a breach of health and safety legislation.

Cover includes:

Performance of Employsure Mutual

Employsure Mutual has successfully provided protection to members since it commenced on 1 April 2019. In its first three years of operation:

Smiling Employsure Client

Performance of Employsure Mutual

Employsure Mutual has had a successful first year of operation since it commenced on 1 April 2019.