Workers Compensation Insurance

Safeguarding workers from job-related diseases and injuries is a paramount concern. Because unforeseen events and circumstances can always happen, workers compensation insurance is a necessity. Of all the various types of insurance, tradies need in place to protect themselves, and their workers, workers compensation insurance is by far the most complicated. However, it is also essential for those tradespeople who are also employers to have the proper cover. There are legal mandates throughout Australia that require the insurance and employers who do not have the correct protection for their employees are subject to sanctions from the government.

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REASONS WORKERS COMPENSATION INSURANCE IS NECESSARY

In several ways, workers compensation insurance helps to create safer work environments. While the government requires the cover, an employer will pay rates according to the number of claims they file and the degree of danger on the job. While saving a bit of money is not the only reason to ensure worker safety, it is in the very best interest for tradies to be confident their employees are in a secure environment.

It is a well-known fact that content employees are productive employees. Providing for a worker who has lost their livelihood through no fault of their own is a decent and humane policy which will go a long way to enhance relationships between workers and employers.

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FACTS ABOUT WORKERS COMPENSATION INSURANCE

  • Australian law requires employers to carry workers compensation insurance
  • All workers, full-time, part-time, seasonal, or apprentice must have workers compensation
  • A written contract shall outline the specifics of the insurance cover and conditions
  • Employers must provide every person in their employ a copy of their compensation contract
  • Acceptance of a worker’s compensation package voids the employee’s right to take civil action against their employers for negligence or other oversights
  • Each Australian state regulates its own scheme that governs workers compensation insurance
  • Once a claim is approved, the employee receives payments according to state mandates
  • Restoring the ill or injured employee is a primary focus of workers compensation insurance
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Navigating through the sea of workers compensation insurance is no simple task. Beyond the Australian mandates, each state has the latitude to devise a scheme governing workers compensation insurance within its borders. This is why we strongly suggest that tradies work with us to be sure they have the proper cover as well as the most cost-effective rates available. If you would like to know more, please contact us. We are happy to review your cover and present any options available to you.

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