Insurers & Risk Stakeholders

Safe Health Zones (SHZ) – Post-Shift Risk Reduction Concept

Purpose of this page

This page provides context for insurers, self-insured organisations, and risk stakeholders regarding the Safe Health Zones (SHZ) concept, and explains why policyholders or workers may request insurer consideration of SHZ as a post-shift, voluntary, exploratory pilot.

The intent is not to seek endorsement or implementation, but to enable risk-informed review.

What Safe Health Zones (SHZ) are

Safe Health Zones (SHZ) are a post-duty, off-shift health restoration framework designed to be explored through small, time-limited pilots in environments with night work, extended hours, or high fatigue exposure.

Key characteristics include:

  • Access only after employees have clocked off

  • Voluntary participation with opt-out at any time

  • No impact on staffing, rostering, or operational coverage

  • No productivity monitoring or performance linkage

  • No surveillance or behavioural compliance function

  • Structured to be inspection-safe and privacy-respecting

  • Intended to support post-shift physiological decompression

SHZ do not replace fatigue management systems, lawful rest requirements, or existing risk controls.

What SHZ are not (risk clarification)

Safe Health Zones are explicitly not:

  • On-shift work activities

  • Rest breaks or sleep facilities

  • Fatigue management systems

  • Substitutes for staffing or rostering controls

  • Performance, productivity, or attendance programs

  • Medical treatment or clinical interventions

Any pilot consideration remains subject to internal risk assessment and governance.

Why SHZ may be raised with insurers

SHZ are being raised in the context of downstream risk exposure, including:

  • Cumulative fatigue beyond the end of shifts

  • Commute-home incidents following night work

  • Long-tail health claims associated with circadian disruption

  • Psychosocial risk accumulation

Policyholders and workers may seek insurer input to understand whether SHZ would be viewed as:

  • Risk-neutral

  • Potentially risk-reducing

  • Or raising specific liability considerations

This inquiry is intended to occur before any pilot decision.

Scope of insurer consideration

Any insurer engagement is expected to be limited to:

  • High-level risk positioning

  • Identification of potential exclusions or safeguards

  • Clarification of liability boundaries

  • Alignment with existing WHS and risk frameworks

NaturismRE does not request insurers to approve, underwrite, or certify SHZ.

About the request template

A neutral template is provided for policyholders or workers who wish to request insurer consideration.

The template:

  • Avoids advocacy or pressure

  • Frames SHZ as an exploratory concept

  • Preserves insurer independence

  • Recognises that insurers may decline comment

Access the insurer request template

Download the Word version:
Request for Insurer Consideration

Position statement

NaturismRE positions Safe Health Zones solely as an exploratory, voluntary framework.

Any consideration or pilot must remain:

  • Employer-led

  • Law-compliant

  • Risk-assessed

  • Subject to insurer terms and conditions

This page exists to ensure clarity and prevent misinterpretation.

Disclaimer

This page is provided for informational purposes only.
It does not constitute insurance advice, risk advice, or a recommendation to implement any program.
Insurer responses, if any, do not imply endorsement or coverage.