Who to insure
Sole trader and partnerships
If you’re a sole trader/proprietor, or member of a partnership, you’re not a worker of your own business and cannot take out workers compensation insurance to cover yourself.
Insurance for small employers
You are a small employer if you have an average performance premium (wages times industry rate) of $30,000 or less.
Insurance for medium and large employers
Experience rated businesses are employers with an average performance premium greater than $30,000.
Cross border arrangements
If one of your workers carries out employment in more than one state or territory, then they are considered to be a cross border worker.
Principal contractor issues
Some subcontractors are also treated as workers and the principal contractor must cover them for workers compensation and declare any payments made as wages.
Worker status service
Our Worker Status Service offers specialised assistance to employers to help you determine who you need to include in your workers compensation policy.