This is an illustrative, anonymised example based on the kind of engagement we run regularly. A mid-sized commercial builder operating under an Enterprise Agreement carried group cover it assumed met its obligations. Headcount had grown across several projects, and the program hadn’t been reviewed in three years.
What we found
Reconciling the Agreement against the policy revealed that the protection in place no longer matched what the business had committed to provide.
- A TPD definition in the policy that was narrower than the Agreement required.
- Higher-earning site managers sitting above the automatic acceptance limit.
- Cover that quietly lapsed for workers on extended leave.
The fix was a settings change, not a new program — but it removed a six-figure exposure the business didn’t know it carried.
What changed
We renegotiated definitions to match the Agreement, arranged underwriting for the higher earners, and built enrolment that tracks headcount as projects ramp up and down.