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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.
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.
A unique service model
Howden People Risk is designed to bring an integrated and holistic model, powered by collaboration and data and analytics.
Howden has a truly unique service model, integrating all employee insurance and risk advisory services under one offering. It is holistic, client centric approach, with a dedicated point of contact, reporting on the same platform, making it easy for employers to get information across multiple jurisdictions.
Leading analytical capabilities
It is data driven, underpinned by Risk X, an interactive and customisable dashboard that provides real time access to the injury and risk trends driving premium and claims activity. It is a game changer for insightful decision making and will identify the best initiatives for our clients, using their own data.
Insightful and forward looking
Howden’s model targets activities across the entire insurance and risk cycle including Insight – prevention – placement – intervention, capturing data at each stage, and is built into our day-to-day service, so that each stage informs the next.
What are your people risks?
Are you prepared for environmental challenges that could impact employee safety and business operations? People increasingly want to work for companies with operations that don’t come at the expense of society or the environment.
- Extreme weather events, pollution, and climate-related risks can lead to business interruptions and insurance claims
- Integrating sustainability into your risk management approach can enhance resilience and reduce long-term exposure.
Is your workplace culture fostering collaboration, trust, and inclusivity? Attracting and retaining top talent in a dynamic job market needs responsive strategies that cater to diverse skills and generational needs.
- Open communication, valuing diverse perspectives, and supporting strong leadership help create a positive environment.
- Fostering a positive culture can help minimise liability and align with your risk management program.
Is your workforce equipped to handle digital risks and cyber threats? Protect employee and customer data, and give your people tools and skills to safely adapt to new technologies and disruptions.
- Providing the right tools, training, and security measures can protect your people and your business.
- Building cyber resilience ensures continuity in an increasingly digital workplace.
Are you prepared for environmental challenges that could impact employee safety and business operations? People increasingly want to work for companies with operations that don’t come at the expense of society or the environment.
- Extreme weather events, pollution, and climate-related risks can lead to business interruptions and insurance claims
- Integrating sustainability into your risk management approach can enhance resilience and reduce long-term exposure.
We can support you with:
Prevention | 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 |
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| Insurer partnership management |
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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
Jacqui Milson
Jacqui Milson
Head of Howden Care
Jacqui is the Head of Howden Care 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.
Chris Sinclair
Chris Sinclair
Head of Employee Benefits & Wellbeing
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 Employee Benefits & Wellbeing practice, specialising in Group Life, Salary Continuance Insurance and financial wellbeing. 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.
Georgie Ahern
Georgie Ahern
Head of Workers' Compensation
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.