Covers work-related injury and illness for your employees, and it is compulsory once you employ anyone. It runs on state-based schemes, so where your staff are based decides who can arrange it — in some states a broker cannot, because the government scheme is the only option.
In New South Wales, Victoria, Queensland and South Australia the scheme is a government monopoly and no broker can place the cover at any price. Our chat checks which state your workers are in before anything else, and tells you plainly if that is where you are.
These are the real questions, and why each one changes your premium. Our chat walks through them with you.
This decides everything. It is the first question we ask, because in four states the answer is that you deal with the government scheme directly and we would be wasting your time.
Premium is calculated on wages, not headcount. The figure needs to include working directors, family members and contractor payments.
State deeming provisions can treat a contractor as a worker for compensation purposes, which changes both your wage base and who is covered.
Volunteers are not covered by any state scheme, so a yes usually means there is a gap that needs addressing another way.
No forms. Answer a few questions in chat and an authorised broker takes it to the market for you.
This page is general information only and does not take your objectives, financial situation or needs into account. Consider the Product Disclosure Statement before deciding. Cover is subject to the insurer’s terms and acceptance.