Household worker insurance
If you employ a household worker in, or about, or in connection with your primary place of residence or connected property, did you know that it is compulsory to take out a Household Workers' Insurance Policy?
WorkCover Queensland's Household Workers' Insurance policy costs $50 for a two-year term.
The current period of insurance runs from 1 January 2019 to 31 December 2020.
Paying workers to help you around the home can make you an employer.
This covers you against potential compensation costs if the person you hired is injured while working for you.
Who is considered a 'household worker'?
Household workers include cleaners, nannies, baby sitters, gardeners, handymen and in-home carers. Individual sole trader contractors with ABN’s operating their own business may also be considered to be household workers.
A holiday home is considered a private dwelling provided it is not also used as a rental property. Any workers engaged directly by the tenants of a rental property can be covered under a Household Workers' insurance policy. Landlords who engage workers for their rental property, are not covered under a Household Workers' insurance policy and must take out an Accident Insurance policy.
An Accident Insurance Policy is also recommended for homeowners who let out part of their house short term to the public regardless of whether they are living at the property or not.
Check out our FAQs page for scenarios where a Household Worker policy may be required, or call WorkCover on 1300 362 128 to discuss your circumstances with one of our expert advisors.
In Queensland, household or domestic worker insurance policies can only be obtained through WorkCover Queensland. In some states and territories, household worker insurance is offered as an optional extra. However, in Queensland, home and contents policies do not cover people that you employ around your home. These policies only cover visitors to your home.
Here's what Household Worker policyholders have to say
Over 30,000 Queenslanders are enjoying the peace of mind of knowing they and their household worker are covered if a domestic worker is injured at their property. Read about the experiences of two policyholders who were protected when household workers were injured whilst working at their properties.
What if business activities are conducted in a private dwelling?
Operating a business from home does not exclude you from having a Household Workers’ insurance policy. However workers must be engaged in connection with, or in and about, the private dwelling only, and not the business.
If a worker is employed wholly or partly in connection with a business, they cannot be considered a household worker and the employer needs to insure them under an Accident Insurance policy.
Some people use a part of their house or its grounds to conduct their business activities, such as photography studios, architectural services, counselling/therapy services, and farming and other rural enterprises. These areas are not considered a private dwelling as they are not used in the sole capacity as a domestic residence.
Property investors, owner/occupiers and tenants
Whether you’re a home owner or a tenant, be smart and protect yourself against the costs of a claim if your household workers get injured. Read more about how household worker insurance protected a family from a house sitting accident while they were away.
Check out this table to see which policy is right for your circumstances.
|Your status||Accident Insurance Policy||Household Worker Policy||Policy owner|
|Running a business from a private dwelling with general use and access to public||-||Business owner|
Landlord owning one or more investment properties
Property owner/ Landlord
Owner occupier letting a room (i.e. boarding)
Sharing economy* (i.e. Airbnb) – owner letting part of house to the public
Sharing economy* (i.e. Airbnb) – short term letting of entire house to the public
* The sharing economy connects sellers (providers) who offer a service with buyers (users) via a facilitator who operates an app or website. If you provide a sharing economy service, check with the Australian Tax Office to understand your tax obligations.
Please call us on 1300 362 128 if you have any questions about your insurance requirements. For more information on our Household Workers' Insurance policy, read our product disclosure statement.
- Last updated
- 18 March 2019