Business Insurance Solutions
Business Insurance Business Interruption Construction Cyber D&O / Management Liability Design & Construct IT Liability Liability Marine Liability Marine Transit Medical Malpractice Motor Commercial & Fleet Plant Equipment & Machinery Professional Indemnity Property Owner Tools
View All Business Cover
Personal Insurance Solutions
Boat Insurance Collectibles & Valuables Hobby Farm Home & Contents Landlords Motor & Motorcycle Personal Accident & Illness Residential Strata
View All Personal Cover
Our Services Start Quote

Workers’ Compensation Insurance for Australian Employers

Statutory workers’ compensation insurance protecting employees and employers against the financial and legal impact of workplace injury or illness.

  • Mandatory cover for most Australian employers
  • Wage replacement, medical and rehabilitation benefits
  • Protects employers from statutory liability exposure
  • State based solutions and wordings
Review My Workers’ Compensation Cover

Request a Workers’ Compensation Insurance Review

No obligation. Compliance-focused advice for your state scheme.

By submitting this form, you consent to Seguro Insurance collecting and using your personal information to respond to your enquiry, in accordance with repX's Privacy Policy.

Australian insurance brokers
Experience across all state and territory schemes
Support with compliance, declarations and claims
Understanding Your Cover

What Is Workers Comp Insurance?

Workers’ Compensation Insurance is a compulsory form of insurance for most Australian employers. It provides statutory benefits to employees who suffer a work-related injury or illness, including wage replacement, medical treatment and rehabilitation support.

In addition to supporting injured workers, workers’ compensation protects employers by limiting financial exposure and providing statutory liability protection for workplace injuries. Workers’ compensation is regulated at a state and territory level, with different legislation, benefits and compliance requirements applying depending on where employees are based.

Is This For You?

Who Workers Comp Insurance Is For

Workers’ Compensation Insurance is required for:

All employers with employees (full-time, part-time or casual)
Businesses with apprentices or trainees
Labour-hire and on-hire employers
Sole traders employing staff
Trusts, partnerships and incorporated entities
Construction, manufacturing and trade businesses
Professional, retail and hospitality businesses
Not-for-profit organisations and charities
Cover Options

What Does Workers Comp Insurance Typically Cover?

Weekly Income Payments

Wage replacement payments for workers unable to work or working reduced hours due to injury.

Medical & Treatment Expenses

Covers reasonable medical, hospital, rehabilitation and allied health costs.

Permanent Impairment Benefits

Lump sum compensation where an injury results in permanent impairment.

Death Benefits

Compensation payable to dependants following a work-related fatality.

Rehabilitation & Return-to-Work Support

Covers vocational rehabilitation, retraining and structured return-to-work programs.

Beyond the Basics

Additional Covers & Policy Extensions

State based solutions and wordings

How Workers Comp Insurance Is Structured

1

Insurance Program

Insurance protection structured around state-based operations, business exposures and overall risk profile.

2

Coverage

Utilising the number of employees, wages, and information of what your employees will be doing for the business.

Why It Matters

Tailored to your business requirements

Mandatory under Australian law

Protects employees following workplace injury or illness

Limits employer financial and legal exposure

Supports faster recovery and return to work

Required for licensing, contracts and tenders

Ensure Your Business Is Compliant & Protected

Speak with a broker experienced in state-based workers’ compensation schemes.

Review My Workers’ Compensation Cover

Important: Workers’ Compensation Insurance requirements, benefits and penalties vary by state and territory. Failure to hold appropriate cover can result in significant fines, penalties and personal liability for directors. Advice from an insurance broker is recommended to ensure correct worker classification, accurate wage declarations and compliance with state legislation.

FAQ's

Yes. Most Australian employers are legally required to hold cover.
In some states, contractors may be classified as deemed workers depending on arrangements.
Premiums are based on wages, industry classification, claims history and risk profile.
Yes. Each state and territory has its own legislation and scheme.
Penalties can include fines, back-dated premiums and personal liability for directors.
Coverage varies by state and is subject to specific criteria.
If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.
Yes, but separate policies or declarations may be required.
No. Workers’ compensation applies only to work-related injuries.
Most states require employers to have return-to-work programs.
Broker advice helps ensure correct classifications, compliance and premium accuracy.
Review My Workers’ Compensation Cover