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The working environment has changed. Market research shows that 88% of organisations have adopted a working from home strategy in response to Covid-19 and that moving forward staff will work from home at least 1-2 days a week. This increased working from home environment creates new challenges for employers and employees alike including new health and ergonomic considerations, and new working conditions.

Chubb’s Work from Home Group Personal Accident Insurance policy (Policy) is designed to provide support to businesses and their employees as they navigate and adapt to their new working environments.

The Work From Home Product is 24 hour cover for Employees of a Policyholder while they are working from Home. Home includes the Covered Person’s usual place of residence and also includes another location(s) agreed by the Policyholder for the Covered Person to undertake their work.

It is designed to provide cover for mishaps at Home such as Accidents, serious burns, Serious Sprains, Strains and/or Tears, to serious Bodily Injuries like Quadriplegia, Permanent Partial and Permanent Total Disability, and Accidental Death that may happen while Working From Home.

Cover is also extended to activities undertaken by Covered Person’s during their usual working day such as Exercise, household chores, meal breaks, and school drop off or pick up.

Examples of the coverage benefits

Bodily Injury

Lump sum benefit if a Covered Person sustains a Bodily Injury whilst Working From Home which results directly in the occurrence of one or more of the Events covered by the Policy.

Ergonomic Injury Support

Lump sum benefit if a Covered Person is diagnosed by a Doctor as suffering from an ergonomic or postural injury caused or contributed to by their Working From Home (as long as the work from home environment is set up in accordance with the Occupational Health and Safety (OHS) standards of the Policyholder).

Off Work Inconvenience

Lum sum benefit if a Covered Person sustains a Bodily Injury whilst Working From Home which results in them being unable to work in any capacity for the Policyholder (employer) for at least seven (7) consecutive days following an Accident.

Recovery Assistance

Lum sum benefit if a Covered Person sustains a Bodily Injury whilst Working From Home which results in them being admitted to hospital. 


Reimbursement of necessary additional childcare costs if a Covered Person sustains a Bodily Injury while Working From Home which results in a specific permanent disability (Events 2 – 8 in the policy). We will pay the Policyholder the actual and reasonable expenses necessarily incurred by the Covered Person for the services of a registered childcare provider up to the amount stated in the Schedule against Childcare Benefit, but only in respect of additional costs that would not have been incurred if the Covered Person had not suffered the Bodily Injury.

Replacement of Staff and Recruitment costs

Reimbursement of reasonable costs incurred for the recruitment of a replacement Employee if a Covered Person sustains a Bodily Injury while Working From Home which results in their Accidental Death or Permanent Total Disablement. Costs must be incurred within sixty (60) days of the Event and be necessary for the continuation of the Policyholder’s business.

For further information please refer to the Work From Home brochure

Terms, conditions and exclusions apply to the Policy for example there is no cover for Pre-Existing Medical Conditions, Degenerative Medical Conditions and Sickness. Please read the Work From Home Group Personal Accident Product Disclosure Statement (PDS) for full details.

Capitalised terms are terms defined in the Policy wording. For all Policy definitions please refer to page 11 of the Policy

Contact Us

To find out more about the Work From Home product or if you have any queries please contact ourCorporate Accident & Health team.

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The product issuer Chubb Insurance Australia Ltd (Chubb) AFSL 239687 ABN 23 001 642 020, has prepared a Target Market Determination (TMD) for this product as required under section 994B of the Corporations Act 2001 (Cth). The TMD sets out who this product has been designed for and who it is not suitable for and identifies the conditions and restrictions on its distribution. A copy of the TMD for this product can be found here. The TMD is not a Product Disclosure Statement (PDS) and is not a summary of the product features or terms of the product. Persons interested in acquiring this product should carefully read the PDS before deciding whether to purchase this product.


Disclaimer: The Work From Home Group Personal Accident Insurance policy is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb). Chubb only provides general advice and does not consider your objectives, financial situation or needs. To decide if this product is right for you, read the Product Disclosure Statement (PDS) before you make any decisions about this product and if it is right for you. 

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