Employers generally require workers compensation or work injury insurance when they employ workers. Registration requirements, exemptions and the definition of a worker depend on the applicable Australian state or territory.

Sole traders are generally not covered for themselves through workers compensation, although they may have obligations for employees or deemed workers. Personal Accident and Illness insurance may provide separate protection, subject to its terms.

Director coverage depends on the state or territory, company structure, remuneration and working arrangements. Paid working directors may be treated as workers in some schemes. Contact Webber Insurance so the applicable arrangement can be reviewed.

Workers operating across state or territory borders require a state-of-connection assessment and may create registration obligations in more than one jurisdiction. Contact Webber Insurance for assistance identifying the applicable requirements.

Contractors are not automatically outside workers compensation. Employee, deemed-worker and contractor tests differ between jurisdictions and depend on the actual working arrangement, not only the written contract or whether the person has an ABN.

Employers should review and update estimated wages or remuneration when actual figures materially differ, and complete any required declarations or reconciliations. Timing and included remuneration vary between state and territory schemes.

Arrange immediate medical care where required, record the incident and contact Webber Insurance promptly. We can confirm whether we handle the workers compensation insurance in that state or territory. Where we do not, we can direct you to the relevant claims agent, insurer or authority. Applicable notification timeframes must still be followed.