Accident insurance policy
If you have a business in Queensland and employ workers, you are required to insure them against workplace accidents with WorkCover Queensland (s48, Workers’ Compensation and Rehabilitation Act 2003).
You cannot pay any of your own claim costs in Queensland.
There is no threshold that you must reach before insuring in Queensland. If anyone you employ meets the definition of a worker, then you must insure them within five days of commencing employment. You can take out your policy prior to employing workers provided you have all the necessary information.
Employers who are found to be uninsured may be subject to penalties for unpaid premium and any compensation costs.
Our accident insurance policy insures you against all statutory and damages claim costs in the event of a work-related injury to your workers. There are no limits or caps to the number of claims that can be made against your policy.