Protect your people

Team photo in smart casual business wear

People risk, employee benefits and wellbeing consultancy

Australia’s workforce continues to face legislative change, the evolution of business needs and employee expectations, making the need for an effective people risk strategy more critical than ever before.

With health, safety and wellbeing at the top of organisational priority lists across Australia, how well does your people risk strategy protect your employees and enhance your business? A people risk strategy that encompasses the employment lifecycle of recruitment through to retirement is vital in ensuring an effective, productive and engaged workforce.

We partner with clients to deeply understand their people risk challenges and objectives. Our market leading team, specialising in workplace and non-workplace illness and injury, deliver bespoke solutions which support clients to navigate the complexities of the people risk ecosystem and evolve their business through enhancing risk maturity.

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Try our People Risk Health Check

In Australia, the costs associated with your workforce can represent as much as 70% of your total business costs. Of your total insurance spend, insurances relating to your workforce will typically account for 70%.

These are costs you can control, and a regular review of your workforce-related insurance programmes can ensure that you are minimising these significant business costs.

We can help uncover unmitigated risk factors in your business. We review premium, injury and risk trends and help you make a roadmap to improving the situation, both from an employee wellbeing and balance sheet perspective.

How we work

Our service model spans from prevention right through to the placement of your risks and management of injury/illness with a focus on delivering value to your business and your people

We work with you to understand what works well and identify opportunities to improve. Together we can validate elements of your current programme and support you to address risk areas, enabling the most effective protection for you and your employees.

We’ll uncover your total spend and help you understand how to maximise your people investment.

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We can support you with:


Workers’ Compensation

Group Life and Salary Continuance

Injury Management

Wellbeing audits

Review of insurance arrangements across Australia

Needs analysis & benchmarking

Policy and procedure development

Wellbeing programme development

Alternate insurance reviews e.g. self-insurance, loss prevention and recovery/burning cost

Insurer tender and placement

Injury management audits

Policy and procedure development

Executive and operational reporting

Ongoing programme management

Strategic claims and injury management advice

Risk assessments

Due diligence reviews


Employer and employee education services

Return to work planning

Task analysis/job dictionary

Premium forecasting and financial modelling

Early intervention and claims management

Complex claims reviews

Health safety and wellbeing training courses

Negotiation of rates in the ACT, NT, TAS, WA, Seafarers and Excess of Loss

Cost mitigation strategies

Operational reviews

Manual handling training

Insurer/agent tenders


Training solutions

Ergonomic solutions

Third-party administrator reviews




Insurer partnership management



Why partner with Howden?

Howden Australia are a specialist people risk partner for Australian businesses. Our expert team brings an average of 20 years of experience across workers’ compensation and injury management, employee benefits, wellness and safety. We have a relentless focus on ensuring that quality and value is delivered to organisations.

Meet the team

Photo of Jacqui Milson


Jacqui Milson
Partner People Risk
Photo of Jacqui Milson

Jacqui Milson

Partner People Risk, Howden Care

Jacqui is a Partner in the People Risk team at Howden Australia. She is an expert at uncovering people related risks in an organisations workforce and creating specialised solutions that drive cost improvements. Jacqui brings over 15 years' experience and in-depth knowledge of injury/illness risk and prevention across the Australian business landscape.  As a qualified and registered Physiotherapist and health professional she is passionate about achieving health and financial outcomes for organisations and individuals.

Photo of Chris Sinclair


Chris Sinclair
Head of Group Risk
Photo of Chris Sinclair

Chris Sinclair

Head of Group Risk, People Risk

As the Head of Group Risk it is my role to better protect businesses and their people against the increasing impact of non-workplace illness & injury.

Chris leads our Group Risk practice, specialising in Group Life and Salary Continuance Insurance. Chris has worked in the life Insurance and people risk consulting for over 18 years, both in Australia and overseas. Prior to joining Howden, Chris led the Group Risk practice for Marsh, working with many of Australia’s largest organisations.

Photo of Georgie Ahern


Georgie Ahern
Head of Workers' Compensation
Photo of Georgie Ahern

Georgie Ahern

Head of Workers' Compensation, People Risk

As the Head of Workers’ Compensation at Howden Australia, it’s my job to make a complex line of insurance simple and easy for clients to control and manage.

Georgie brings over 20 years of experience in Workers’ Compensation. Georgie has worked within insurers across both claims and underwriting functions, with multiple jurisdiction exposure, and has spent the last 13 years consulting with clients, driving significant value into their organisations. Georgie has diverse experience across industries, working across construction, logistics, retail and the community services sector. Her experience supports clients through the effective design and structure of insurance arrangement, right through to across complex claims and injury management matters.

Photo of Tom Flynn


Tom Flynn
Partner People Risk
Photo of Tom Flynn

Tom Flynn

Partner People Risk, Howden Care

Tom is a Partner in in the People Risk business and brings to Howden 30 years experience in the personal injury sector. Starting his working life as a Physiotherapist, he has now been involved in the workplace health, safety and rehabilitation industry for 16 years. Tom’s depth of knowledge and experience in both the health and insurance markets makes him a market leader in assisting organisations in creating safe workplaces, supporting staff to maximise health and productivity, and minimising the cost impact of people risk.

Photo of Nick Kouteris


Nick Kouteris
Partner, Group Risk
Photo of Nick Kouteris

Nick Kouteris

Partner, Group Risk, People Risk

Nick is a Partner in our People Risk practice, specialising in Group Life and Salary Continuance Insurance. Nick has extensive experience in developing and delivering market leading solutions to organisations and brings a unique perspective having joined from MetLife Insurance Australia and previously being a member of Aon Hewitt’s regional leadership team. Nick is also a Fellow of ASFA with significant experience in Corporate Superannuation.

Photo of Christian Lombardo


Christian Lombardo
Partner Workers' Compensation
Photo of Christian Lombardo

Christian Lombardo

Partner Workers' Compensation, People Risk

I help our clients navigate the legislation, premium drivers and market landscape so they can focus on the human aspect at the heart of Workers' Compensation, returning their employees to work post-injury in a safe and durable manner.

Christian brings 15 years experience in Workers' Compensation across claims, account management and consulting roles. He has worked across a variety of industries including aged care, community services, manufacturing and the education sector with support ranging from claims strategy development and premium modelling through to innovative programs that incorporate the entire people risk ecosystem across Workers, Compensation consulting, occupational rehabilitation, safety and training. Christian draws upon his extensive experience to set his clients up for success in establishing or improving their people risk programs.

We're always here to help

Let's talk...

(+61) 1300 904 503

We'll put you in touch with the person best equipped to help.

Talk to us today

Call us on 1300 904 503 or send us a message and we'll get back to you.

Howden Insurance Brokers Australia
Head Office
Level 3, Bligh House
4-6 Bligh Street
Sydney NSW 2000

Telephone: 1300 904 503
International: +61 2 9052 4351