What is an employee?

Any person engaged in the Business under a contract of service or apprenticeship with the Named Insured;

Any person under a contract of service or apprenticeship with another employer who is hired to or borrowed by the Named Insured; 

Any person engaged by the Named Insured under a work experience government training or similar scheme.

Some policy wording may also include Labour Hire in the definition of Employee so it is important you read your documents in full.

PLEASE NOTE THIS DOES NOT REPRESENT 'FINANCIAL ADVICE' AS EACH PERSON'S INDIVIDUAL REQUIREMENTS WILL BE UNIQUE TO THEIR SPECIFIC NEEDS.