More than 30,000 Queenslanders take out cover for their at-home workers. It's a smart choice because some household worker compensation claims can reach over $100,000 (the average claim cost is $10,000).

As a homeowner or tenant, you'll want to be sure the injured person will get the care they need, as well as making sure you're covered for the costs.

What does it cost?

WorkCover Queensland's Household Workers’ Insurance policy is only $50 for up to a two-year term. For policies taken out with less than 12 months remaining in the insurance period, then the cost is $25.

Any new policies taken out from 1 December 2022 will be provided cover to the end of the next insurance period, 31 December 2024.

In some states and territories, Household Workers’ Insurance is an optional extra on your home and contents insurance. In Queensland, these policies only cover visitors to your home. You can only arrange Queensland household or domestic worker insurance policies through WorkCover.

Who is a household worker?

Household workers are people you employ in, on the grounds of, or in connection to your private home or place you rent. A holiday home is a private dwelling if you don't use it as a rental.

The types of workers you might employ and need to cover include:

• cleaners
• nannies
• babysitters
• house sitters
• gardeners
• handyperson
• contractors with their own ABNs (who could be an individual sole trader).

If you're a self-managed NDIS participant, your support team could be household workers if you employ them directly.  If so, you’ll need a Household Worker Policy. Visit the NDIS website for information on your responsibilities as a self-manager.

You can read more detail about this cover in the Household Workers’ Policy Guide (PDF, 0.5 MB).

If you're unsure whether you need a policy for the people who work in or around your home, call us on 1300 362 128. We'll be happy to help you.