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Workers Compensation Insurance
Workers Compensation is compulsory insurance in all states and territories in Australia. Each state and territory has its own Workers’ Compensation program, which provides protection for employees in the event of an accident or illness. Each jurisdiction has different requirements. For more information, please visit the Workers’ Compensation authority in your state or territory:
- A percentage of the injured workers wages for the period of time they are unfit to work.
- Compensation for lost earnings for workers who are unable to work at full capacity secondary to injury.
- Payment of medical, hospital, chemist and other treatment costs related to a work injury.
- Costs involved in rehabilitating an injured worker so they can return to work.
Your duty of disclosure
Before you enter into, renew, vary, extend or reinstate a commercial insurance contract, you must tell the insurer everything you know, or could reasonably be expected to know, that is relevant to its decision to insure you and on what terms. You do not need to disclose anything that reduces the risk, is common knowledge, the insurer knows or ought to know, or that the insurer has waived. If you do not comply, the insurer may reduce or refuse a claim or cancel the contract. If the failure was fraudulent, the insurer may treat the contract as if it never existed.