In Oz the workplace insurer is called workcover and covers the person, not the property for medical and rehab costs incured in an accident/incident.
In line with A.A's question on insurance, now that Robinson has the Safety notice about wearing safety clothing (incl helmets), and the general FAA/CAA/CASA rule that aircraft are to be operated in accord with flight manuals, it's not a long step for an insurer (workcover) to argue that safety gear must be worn. The consequence of not doing so? The insurer saying that their liability has been mitigated by the persons own actions and risk taking behaviour...
I fly an R22 & B206 in 40 deg (C) heat doing scenics and photo work. I wear nomex gloves every flight. I used to wear dark blue nomex pants in my last company, but this new company wears charcoal coloured pants, and I haven't had a new set of pants made up in the new colour.
I'm not allowed to wear a helmet for scenics/joy flights. I would have to buy my own helmet for other airwork.