Employsure Mutual
Protecting your business

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Employsure Mutual Limited (Employsure Mutual) is a member owned discretionary mutual fund with over 27,000 members. Through its product, Employsure Protect, Employsure Mutual provides discretionary protection for legal representation and liabilities arising from employment relations 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.

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

Performance of Employsure Mutual

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

The protection provided by Employsure Protect is a financial product and as Employsure Mutual is not licensed it has entered into an intermediary authorisation with Regis Mutual Management Pty Ltd (ASFL 338156) (Regis) to manage Employsure Mutual, to make offers to potential members and to arrange for the issue of Employsure Protect. Regis has appointed Employsure Pty Ltd as its Authorised Representative 001274577 and authorised it to provide financial product advice and to arrange for the issue of Employsure Protect to clients. Employsure Limited has been appointed by Employsure Mutual to handle distribution in New Zealand.

Employsure Mutual has appointed Gow-Gates Mutual Management Pty Ltd ACN 609 791 353 and Regis to assist in claims handling and professional services.