Workers Compensation

We have access to the five major Workers Compensation insurers, with agreed discounting structures in place to assist you with arranging competitive cover for this complex and compulsory area of insurance. We also have a specialist in Workers Compensation Insurance Claims on our staff - with over 40 years experience - ready to assist you in the event of a claim.

Important things you should know

Employers have a legal obligation to have workers compensation insurance cover for all ‘workers’ (penalties apply for avoidance). The legal definition of "worker" is broad, including but not limited to workers on a wage or salary (full-time, part-time, casual or seasonal), contractors and sub-contractors. A full definition of 'workers' can be found at www.workcover.wa.gov.au.

Common misconceptions surrounding Workers’ Compensation Insurance

All of the following are true:

  1. Workers’ Compensation(Employer’s Indemnity) Insurance is compulsory for all employers in Western Australia.
  2. You can not ‘contract out’ of your liability under workers’ compensation as part of employment conditions.
  3. Public Liability insurance is no substitute for a workers’ compensation policy.
  4. Workers’ compensation insurance does not automatically renew.
  5. Journey claims to from work are excluded but employees travelling under the employer’s direction would be covered under the Act.
  6. Accidents do happen despite the employer’s procedures and best intentions.

What is covered under the Workers’ Compensation Act?

  • Compensation for lost of wages limited to The Prescribed Amount
  • Reasonable medical expenses
  • Vocational rehabilitation
  • Reasonable travel costs
  • Rate of pay is averaged over the first 13 weeks with possible “step down” from 14th week onwards
  • Compensation for loss or impairment of some part or faculty of the body.

Claims process  Claims Procedure

The attached claims procedure document will assist you through the process in this complex area of insurance. It’s important to remember;

  • Injured worker and employer claim forms need to be completed and submitted to insurer (with any witness statement) and first medical certificate/first certificate of capacity as soon as possible
  • Don’t admit liability or pay wages until claim accepted by your insurer
  • The insurer will confirm correct rate of pay for injured worker
  • Good Workers’ compensation claims management relies on good record keeping. Keep copies of all documents.

Important to note – you may be liable and not know it

Employing people with pre-existing medical conditions or injuries could result in you being responsible for aggravation of an underlying condition, in the event of a claim. When you employ a worker, you take them on with all their medical history and you should be careful to ensure that the worker is capable of undertaking the work duties intended.

In some circumstances, a worker residing on the property or work site, may be covered under workers’ compensation for injuries sustained away from the actual work place.

If such a claim is made or you think that a claim may be likely, speak with us as soon as possible.

Contact us

We are committed to working with you to minimise the impact of claims costs and your time in dealing with claim matters, which might best be spent in your work place.

The combination of good claims management and negotiating the best premium rate can translate to significant saving each year.

Our Advantages

1

We Are Brokers

We are brokers, not insurers. This means that we work for you, negotiating with the insurers to obtain the most competitive premium for the level of cover that you need. This also means that in the event of a claim, we are on your side working to help you through the process as quickly and painlessly as possible.

2

The Best Policy For You

We offer more than a “price comparison” service. As a broker, we are assessing your needs and recommending products that give you the cover that you are looking for. If you go direct to an insurer or if you use a price comparison site, you are simply being given a price and a description of cover – it’s bad luck if you make the wrong choice! With us, we are helping you make that choice which means that you are far more likely to get it right.

3

We Believe In Personal Service

Our business is built on personal service. Our aim is to develop a relationship with our clients and get to know their individual needs. We have an office in Albany that our clients can make an appointment, call or email whenever we are open for business and we also have Account Managers that will come to you. With us you will be dealing with professional brokers that have years of experience in the insurance industry.