Insurance Coverage Through mobility

What You Need to Know

Understanding insurance is crucial for working safely and confidently. Here’s everything you need to know about the insurance coverage provided when engaging with mobility, whether you’re a worker, client, or provider.

Am I insured when using mobility?

Yes! All workers engaged via the mobility platform are covered by our comprehensive umbrella insurance policy, which includes:

  • Personal accident insurance: This covers specific injuries, disabilities, or the inability to work, with benefits either paid as a lump sum or monthly to supplement missed income.
  • Public liability insurance: This covers the cost of legal action and compensation claims if a third party’s property is damaged while you’re providing care services.
  • Professional indemnity insurance: This protects against claims arising from bodily injury due to alleged negligence or breach of duty in your care services.

Insurer details:

  • Personal accident insurance: Insured by QBE. Policy number: 30-A058084-PAD.
  • Professional liability and public & products liability insurance: Insured by Lloyd’s of London (S&P rating A+).
Important: Coverage Limitations

It’s crucial to understand that this insurance coverage applies only to work booked and conducted through mobility. Any services provided outside or off the mobility platform are not covered by our insurance policies. Always ensure your work is booked through mobility to maintain your insurance protections.

What are the benefits of Personal Accident?

This policy provides wage cover up to $500 per week in the event of an injury sustained. You must demonstrate to the insurer your earnings over a 12 month period in order to receive payments.

  • Weekly benefits : $500
  • Percentage of pre-disability earnings: 80%
  • Benefit Period : 104 weeks
  • Excluded period of claim : NIL days

What are the benefits of the Professional Liability policy?

The Professional Liability policy provides an adequate limit of indemnity – please contact mobility for further details. Additional benefits of the eHealth policy include:

  • Cyber and Privacy Liability arising from a Cyber Event
  • Court attendance costs
  • Legal Expenses costs
  • Defense costs only cover for allegations of sexual misconduct, however, this cover is excluded if proven final adjudication, arbitral tribunal or written admission by you

What are the benefits of the Public and Products Liability Insurance?

The Public and Products Liability policy provides an adequate limit of indemnity. This policy extends to cover you for accidental property damage you cause in the provision of care services.

Ensuring your coverage:

To activate your insurance coverage through mobility, make sure to:

  1. Register as an independent contractor with your ABN.
  2. Complete all required safety and verification checks.
  3. Finish all mandatory training modules.
  4. Sign the in-app insurance declaration.

Remember, both you and your clients benefit from the peace of mind that comes with insured bookings made and paid for through mobility.

Making a Claim:

Should you need to make an insurance claim, following these steps is essential:

  1. Inform mobility of the incident as soon as possible.
  2. Complete an incident report. This report is critical for the claims process.
  3. Follow the policy terms, seek medical advice, and notify our insurer, QBE.
  4. Complete the QBE claim form within 30 days of the incident, and provide all requested information, including medical reports.

Should I have my own business insurance?

mobility provides significant coverage, but additional insurance might be right for you.

To answer this question you need to get professional advice. mobility can not advise you on what is right for you from an insurance perspective, we can simply tell you what coverage you have via our policies.  You must determine what you personally need.

If you would like professional advice you should speak with an insurance broker. You can find helpful information on the Insurance Council of Australia’s website.

We’re here to help

Got questions about our insurance coverage or need to make a claim? Get in touch with our Support team at 1300 438 227 or email We’re here to ensure you’re fully supported and informed about your insurance protections with mobility.

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