People Risks
Your people are your most valuable asset, and protecting them is essential to the success and stability of your business.
People related risks can arise in many forms, from workplace injuries and employee claims through to corporate travel and employee wellbeing.
At Integra Insurance Brokers, we provide tailored insurance solutions to help manage these exposures, including Workers’ Compensation, Journey Insurance, International Health Cover and more, ensuring your people are protected both locally and abroad.
We also offer expert advice on professional and leadership risks, with coverage options such as Management Liability, Directors & Officers Insurance and Medical Malpractice, helping safeguard your business and those responsible for leading it.
Workers Compensation Insurance
Workers’ Compensation Insurance provides cover for employees who are injured or become ill as a result of their work. It can assist with loss of wages, medical expenses and rehabilitation costs, and in some cases, permanent impairment benefits.
In Australia, Workers’ Compensation is a compulsory, state based scheme for employers with staff, and may include full time, part time, casual and contractor staff. Requirements and cover vary between each state and territory.
In Western Australia, premiums are calculated using industry specific rates set by WorkCover WA, they may be adjusted based on claims history and other factors. Workers compensation policies are adjusted at the end of each policy period based on actual remuneration.
At Integra Insurance Brokers, we help ensure your policy is correctly structured, compliant, and aligned to your business needs giving you confidence that both your people and your obligations are protected.
Corporate Travel Insurance
If your employees travel for work, whether interstate, intrastate, or overseas, Corporate Travel Insurance is essential to protect both your people and your business.
This cover helps manage the unexpected costs that can arise when travel doesn’t go as planned. It can include protection for overseas medical expenses, life and disability benefits, lost deposits, rental car excesses, flight cancellations, and lost or stolen baggage.
Some policies may also extend coverage to leisure travel for directors’ and senior management’ spouses and/or dependents who are travelling with them.
We’ll tailor this policy based on your business requirements, ensuring comprehensive protection and peace of mind wherever your team travels.
Journey Insurance
Journey Insurance provides personal accident cover for employees while commuting to and from their usual place of work. It can cover accidental death, permanent disablement, and loss of income resulting from an accident during travel.
This type of insurance helps fill gaps that Workers’ Compensation may not cover, giving employees - and your business - extra protection and peace of mind.
Personal Accident & Sickness Insurance
Group Personal Accident & Sickness typically covers employees, students and members against accidental injury or death. It can provide cover for medical costs, weekly income replacement for temporary disablement and lump-sum payments for permanent disability or death.
Policies can be tailored to suit your needs - covering 24/7, working hours only, or to include travel to and from work. While generally voluntary, this cover can also be offered as a valuable contractual benefit to employees, helping to attract and retain your workforce while retaining peace of mind.
Individual Personal Accident & Sickness cover can be beneficial for sole traders with high-risk jobs and/or active lifestyles as they are unable to cover themselves under a workers compensation insurance policy.
Expatriate Medical Insurance
Also known as International Health Cover, this specialised insurance is designed for employees living and working outside of their home country for extended periods (typically over 90 days). This specialised insurance provides comprehensive coverage for private medical treatment overseas, including inpatient and outpatient care, dental, maternity, and emergency medical evacuations.
Kidnap Ransom & Extortion
For businesses with a global presence, or operating in high risk regions, Kidnap Ransom and Extorsion Insurance is an essential safeguard.
This specialised policy protects individuals and organisations against financial losses and crises arising from kidnapping, hijacking, or extortion. Coverage can include ransom payments, consultant fees for crisis management, and often access to expert security advice to help manage and resolve incidents effectively.
Chat With A Broker
We’re always looking out for your best interests. With our in-depth knowledge of Australian and international insurance markets, we provide valuable business insurance advice on identifying risks and exposures so you can rest assured that your future is protected.
Claims
With our dedicated in-house claims team, you’ll never be left waiting on hold or passed from person to person. Instead, you’ll speak directly with a real, trusted insurance advisor who knows you and understands your business. As experienced business insurance brokers, we take the stress out of dealing with insurers by managing all the back-and-forth on your behalf.
We’ll walk you through your policy in plain language, ensuring you understand exactly what’s covered and where you’re protected. When it comes time to make a claim, we make the process quick, smooth, and focused on your best interests - that’s the real value of working with professional business insurance brokers.
FAQs
-
Yes, workers compensation is mandatory in all States and Territories of Australia. Part-time employees are generally considered “workers” under all schemes, meaning a policy is required. In Western Australia part-time staff fall within the definition of a “worker” under the Workers Compensation and Injury Management Act 2023.
-
No, as a sole trader you cannot cover yourself under a workers’ compensation insurance policy. A personal accident and sickness policy would be more suitable.
-
Yes, most Corporate Travel policies have an age limit of 85.
Contact Us.
To get in contact with a specific Integra team member, head to our People page to locate the broker you’re looking for.