Workers compensation insurance helps protect Australian employers when a worker suffers a work-related injury or illness. ABS Insurance Brokers can help you understand your state or territory obligations, arrange suitable cover and support you through renewal and claims.
Help meet employer obligations
Based on wages and classifications
Help when an injury occurs
Practical broker guidance
Workers compensation insurance is a statutory form of cover designed to support employees who are injured or become ill because of work, while helping employers manage the financial and administrative impact of a claim. Requirements, insurers and benefits vary between states and territories. ABS helps businesses understand the scheme that applies to their workers and arrange appropriate policy support.
May help replace lost wages when an eligible worker cannot work, subject to scheme rules.
May cover reasonable treatment, medical and rehabilitation costs related to a compensable injury or illness.
Some schemes provide lump-sum benefits where an eligible worker has permanent impairment.
Supports injury management, suitable duties and a safe, structured return to work.
May respond to work-related disease or illness where covered by the applicable scheme.
Helps employers manage statutory workers compensation obligations and claims under state or territory requirements.
Understand the rules that apply in your state or territory
Get the right information in place from the start
Help with wages, classifications and renewal information
Practical assistance when a workplace injury occurs
Advice designed around your people and operations
Get a free, no-obligation quote today and build with confidence.
Workers compensation requirements vary between Australian states and territories. In NSW, most employers with workers generally need a policy unless a specific exemption applies. ABS can help you identify which scheme and obligations apply to your business.
Most businesses that employ workers, including many casuals, apprentices and trainees, need workers compensation protection. Whether a contractor is treated as a worker can depend on the relevant state or territory legislation and the working arrangement.
Depending on the applicable scheme, benefits may include weekly compensation, medical and rehabilitation expenses, support for return to work and lump-sum benefits for qualifying permanent impairment. Policy and scheme terms apply.
Not always. Some contractors may be treated as workers for workers compensation purposes, while genuine independent contractors may not be. The answer depends on the state or territory scheme and the actual working relationship.
Premiums are commonly influenced by the business activity, industry classification, estimated wages, worker types, claims history and the relevant state or territory scheme. Accurate wage and business information helps reduce the risk of under-insurance.
