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Bespoke Insurance Group

D-05Specialist

Workers Compensationinsurance.

Help navigating compulsory cover for your employees, state by state.

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D-05 · Elevation

01 · The exposure

Your people carry the business. Their cover is not optional.

Workers compensation insurance is compulsory for most employers in Australia and is regulated state by state. In some states policies are issued through a government scheme or its agents; in others, through approved private insurers. Getting wages declarations, employee classifications and contractor arrangements right affects both compliance and cost.

02Scope

What this covercan respond to.

A general guide. What a particular policy covers depends on its wording, limits, conditions and exclusions, and on what is declared to the insurer.

  1. 01Statutory benefits for workers injured in the course of employment, as set by state legislation
  2. 02Medical and rehabilitation costs, subject to the relevant scheme
  3. 03Common law liability for workplace injury, depending on the state scheme
Often discussed byEvery business with employeesBusinesses engaging contractors who may be deemed workersBusinesses operating in more than one state

03What we look at

Where the detailmatters.

  • Classification

    Your industry classification drives your premium rate. An incorrect classification can be costly.

  • Contractors and deemed workers

    Some contractors are treated as workers for workers compensation purposes. Each state applies its own tests.

  • Claims reporting

    Workplace injuries are reported under the relevant state scheme’s process, which has its own deadlines.

04 · Before we talk

Questions yourbroker will ask.

Having these answers to hand makes the first conversation faster and the submission to insurers stronger.

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  1. In which states do you employ people?
  2. What are your declared wages, and how is your workforce classified?
  3. Do you engage contractors or labour hire?

05 · Questions

Frequently asked.

Can a broker help in a government-scheme state?

Yes. Even where a government scheme issues policies, a broker can help with classifications, wage declarations, premium reviews and claims management questions.

Related cover

Commonly part of programs for construction & trades and transport & logistics.

Talk workers compensationthrough with a broker.

A short conversation is usually the fastest way to know where you stand. No obligation, and no form required if you would rather call.

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Or call 1300 513 652, answered 24/7