Workers Compensation

In Western Australia, the Workers Compensation and Injury Management Act 2023 requires you to hold a current and paid workers compensation policy when you employ anyone considered by the Act to be your worker. Other Australian states and territories have their own workers compensation legislation to similar effect.

Western Australia’s ‘no-fault’ workers compensation system makes employers liable to pay an injured worker compensation regardless of who was at fault for the injury. A workers compensation policy transfers this liability to the insurer who pays the costs and expenses arising from a workers compensation claim. A policy must be purchased before or at the time an employer engages the services of a worker. A policy cannot be purchased after, or in response to, an injury to a worker. 

Your workers are your directly employed full time, part time and casual employees, referred to as General Workers. Optionally, Working Directors of Pty Ltd companies can opt in for cover and depending on your working relationship with Individual Contractors, you may need to include them in your policy. Additionally, if you are Principal engaging contractors to perform the work of your business, unless you can prove the contractor has their own current and paid  workers compensation policy, you are required to include them in your policy.

We will ensure that your policy is correctly structured to ensure you meet your statutory responsibilities under the Act. There are several insurers in WA licenced by WorkCover WA from whom we can request quotations on your behalf.

Acknowledging that Workers Compensation can be complex, contact us for guidance, a review of your existing policy (prior to the next renewal date) or if you are a new employer to enquire about and establish a new policy.