SHZ for Insurers

A Modern, Evidence Based Framework for Reducing Claims, Preventing Harm and Strengthening Duty of Care

The Insurance Challenge

Night shift work is one of the most consistent drivers of fatigue related accidents, long term health deterioration, mental health decline, absenteeism, workers compensation claims, post shift road incidents and chronic illness burdens. These risks are predictable, measurable and increasing across many industries.

Traditional safety systems focus mainly on physical hazards. They do not address the biological damage caused by disrupted circadian rhythms. Safe Health Zones provide a structured solution that fills this gap.

What SHZ Offer Insurers

Safe Health Zones create controlled recovery environments that help workers regain physical and mental stability after night work. They reduce the immediate and long term risks that commonly lead to insurance claims.

SHZ environments include regulated lighting, reduced sensory stimulation, temperature controlled spaces, grounding surfaces, quiet decompression zones, thermoregulation support through minimal clothing tolerance and transparent behavioural monitoring.

These elements create relaxation, but relaxation alone does not reverse fatigue. Full restorative benefits are achieved only when SHZ also integrate the 11 Levels of Health Restoration.

The 11 Levels of Health Restoration

The 11 Levels of Health Restoration provide a clear structure that supports recovery from fatigue, stress and circadian disruption. The Levels include grounding practices, sensory recalibration, controlled breathing, nature based decompression techniques, thermoregulation steps and higher restorative processes that help workers reach a deeper state of physiological reset.

Each worker can choose the Level that suits their comfort and personal needs. Access must not be restricted by employers or councils because restricting Levels limits health outcomes and reduces the claim prevention potential of SHZ. When all Levels are available, SHZ become a true recovery system rather than a simple relaxation space.

Why Insurers Should Support SHZ

Fewer Fatigue Related Accidents

Fatigue increases accident likelihood significantly. SHZ help workers regain alertness before driving or performing safety critical tasks.

Reduction in Workers Compensation Claims

Fatigue contributes to many types of injuries including strains, mental health claims and long term illness progression. Restorative Levels reduce these risks.

Lower Road Incident Rates After Night Shift

Post shift driving incidents place a major burden on insurers. SHZ provide a safe place for workers to stabilise before travelling.

Improved Employer Compliance

Fatigue is a recognised hazard in workplace safety legislation. SHZ help employers meet their duty of care and demonstrate proactive risk management.

Lower Long Term Health Costs

Circadian disruption can lead to cardiovascular strain, immune suppression, anxiety, depression and chronic inflammation. SHZ with full Level access can reduce these long term risks.

Why Restricting Levels Creates Liability

If an employer installs SHZ but limits access to restorative Levels, they reduce the effectiveness of the system. This may expose them to claims that known health benefits were withheld. Insurers have strong incentives to encourage complete access to all Levels to ensure SHZ achieve their intended outcomes.

Supported by Multi Disciplinary AI Analysis

Eight independent AI systems analysed SHZ and the 11 Level model through health science, circadian biology, psychology, workplace safety, legal compliance, operations and economics. All reached the same conclusion. SHZ with full Level access represent one of the most significant advances in workforce health and safety in decades.

Opportunities for Insurers

Insurers can
• offer premium reductions for SHZ compliant workplaces
• include SHZ in risk assessment models
• promote SHZ adoption in high fatigue industries
• partner with councils and employers to fund installations
• develop fatigue mitigation insurance products
• use SHZ data to support claim evaluations

Supporting SHZ positions insurers as leaders in modern workplace health reform.

Industries Where SHZ Have the Highest Impact

SHZ are highly effective in logistics, warehousing, hospitals, aged care, transport, aviation, security, defence, emergency response, hospitality, mining and other sectors where fatigue risks are elevated.

Partnering With NaturismRE

Insurers, underwriting teams and risk managers can request SHZ guidelines, the 11 Level framework, risk modelling briefings, council and employer cooperation templates and implementation support. NaturismRE provides all required material to help insurers incorporate SHZ into their broader risk management strategy.