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Household worker insurance protects Coorparoo family after freak house-sit accident

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The Evans family from Coorparoo never imagined their European holiday could be thrown into chaos when their house sitter called with the news she had seriously broken her foot.

But that was the nerve-wracking reality faced by Lisa Evans when her house sitter, Gemma Farmer confirmed she had dislocated and broken three bones in her foot after falling down a step while taking out the rubbish at the Evans’ property.

Fortunately for Lisa and Gemma, the Evans family were covered by a WorkCover Queensland Household Worker policy that protected both of them against the costs of Gemma’s injury claim.

As business owners for over 16 years, Lisa and her husband know how important it is to protect the people who work for them from injury. That’s why they never thought twice about taking out a Household Worker policy.

“We’ve had a household workers’ policy for years because we’ve often employed cleaners and nannies on a casual basis,” Lisa said.

“Having household worker insurance has always been a priority for us. It’s essential because you never know when you’ll need it.”

“Even though we were on the other side of the world, we felt awful that Gemma had been injured in a freak accident at our home,” Mrs Evans said.

For Gemma Farmer, her injury could not have come at a worse time. Gemma graduated from university in December 2016 and was due to start her career as a ward nurse in January this year.

Gemma had surgery to insert screws in her foot and spent the next 3 ½ months off work. During this frustrating time, Gemma worried about returning to work and how she would support herself during recovery.

“I worried that I wouldn’t get paid for being off work for so long and I also had to cover my rent and living expenses and weekly physiotherapy and podiatry sessions following surgery.”

“But it was a huge relief to know my medical expenses and weekly wages were covered by WorkCover and I’m excited about returning to work.”

“A household worker policy is a no brainer,” Lisa said. “It’s so affordable and gives you peace of mind in case someone who works around the home gets injured and needs support.”

For homeowners and renters employing household workers including cleaners, nannies, baby sitters, gardeners, handymen and in-home carers, a Household Worker insurance policy protects you against potential compensation costs if the worker is injured in and around the home.

Importantly, home and contents and public liability insurance does not cover home owners and renters for casual workers employed to do work in or around a home. These products only cover visitors to a home.  

WorkCover household worker policy statistics show claim costs can be significant.
Since January 2015, uninsured household worker claims lodged with WorkCover have cost over $35,000 on average, while claims against existing policyholders have cost $16,000 on average.

At up to $50 for two years, it's quick and easy to apply for a policy online by visiting www.worksafe.qld.gov.au.

Last updated
12 September 2017