Hi all
I have just been reviewing insurance needs & am getting stumped for info regarding Workers Comp & QLD landlordship.
Can anyone advise if any form of Workers Compensation Insurance is advisable, required or even available for a QLD IP?
For an IP in WA it is usually an option or inclusion for Landlord's policies but for QLD it does not seem to be available & you are referred to the Workcover website. The Workcover website seems confusing & does not appear to have anything geared toward a landlord in general terms. Under Household it states it excludes landlords & refers to an accident policy. The accident policy seems to be geared to a case where you do indeed have someone "employed" by you on an ongoing basis.
So if you don't have say a Gardener or cleaner coming in weekly or similar do I assume it is just not relevant. If a plumber or sparky slips & breaks a leg a. you are not covered at all b. you are covered under legal liability c. you are ok if the tradie has their own cover?
Cheers for any heads up
I have just been reviewing insurance needs & am getting stumped for info regarding Workers Comp & QLD landlordship.
Can anyone advise if any form of Workers Compensation Insurance is advisable, required or even available for a QLD IP?
For an IP in WA it is usually an option or inclusion for Landlord's policies but for QLD it does not seem to be available & you are referred to the Workcover website. The Workcover website seems confusing & does not appear to have anything geared toward a landlord in general terms. Under Household it states it excludes landlords & refers to an accident policy. The accident policy seems to be geared to a case where you do indeed have someone "employed" by you on an ongoing basis.
So if you don't have say a Gardener or cleaner coming in weekly or similar do I assume it is just not relevant. If a plumber or sparky slips & breaks a leg a. you are not covered at all b. you are covered under legal liability c. you are ok if the tradie has their own cover?
Cheers for any heads up