PEOPLE
Workers’ Compensation
Australia’s workplace injury insurance arrangements are jurisdiction-specific and need to be considered separately from UK Employers’ Liability insurance.
AUSTRALIAN CONTEXT
Not simply Employers’ Liability with a different name
Workers’ Compensation operates under Australian state and territory legislation and schemes. The relevant arrangements, insurer structure, registration process and obligations can differ depending on where the business operates and employs people.
For that reason, DIBNI does not present a single national compulsory-insurance statement or reuse UK Employers’ Liability wording. The applicable state or territory position must be checked for the business concerned.
WHAT WE NEED TO UNDERSTAND
Where your people work and how they are engaged
The appropriate starting point is the jurisdiction, workforce profile and nature of the work. Employee numbers, wages, occupations, work locations and the way workers are engaged may all be relevant to the applicable scheme and insurance arrangements.
Where a business operates across more than one state or territory, the position can require additional care. DIBNI will keep jurisdiction-dependent statements separate until the relevant scheme has been verified.
Understand the Australian framework
Read the Workers’ Compensation guide for the high-level position. Any statement about a specific obligation should be checked against the relevant state or territory authority.
Australian insurance context
For Australian organisations, Workers’ Compensation should be considered against the actual activities, location, scale, contracts, assets and risk controls of the business. Insurance requirements and insurer appetite can vary by state or territory and by the way the risk is presented.
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