Workers Compensation Insurance.
Workers compensation is legally required in every Australian state - but each state runs its own scheme, with different rates, forms, and obligations. Getting it wrong means penalties, personal liability, and an injured worker who can't make a claim. Co-Pilot makes sure your cover is right for where your people work.
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About This Cover
Workers compensation insurance - what it covers and how it works in Australia
Workers compensation insurance is there to protect you and your crew if someone gets injured or falls ill because of work. It helps cover medical bills and part of their wages while they're recovering. If something more serious happens - like a work-related death - it also supports the worker's family.
It's not just about looking after your staff. Having this insurance can save you from costly legal dramas and keep things ticking over while your team gets back on its feet.
Important: Workers compensation is a separate, standalone cover - it does not cross over with other insurance products. You need a dedicated workers compensation policy.
What's Included
What's included - what workers compensation insurance covers
All Your Employees
Covers full-time, part-time, casual, and apprentice employees - ensuring every worker is protected under your policy, not just permanent staff.
Wage Replacement
If an injured worker can't do their job, the insurance covers a portion of their wages while they recover - keeping financial pressure off both parties.
Medical & Rehab Costs
Covers GP visits, specialist treatment, physiotherapy, and other rehabilitation services needed to get your worker back on their feet.
High-Risk Workers
Workers in higher-risk environments - construction, manufacturing, agriculture - are covered with appropriate protection for their working conditions.
Legal Protection
Protects your business from lawsuits arising from workplace injuries - covering legal defence costs and court-ordered compensation payments.
Who Needs This
Who needs workers compensation insurance - all Australian employers
All Australian Businesses with Employees
Workers compensation is legally required for any employer in Australia. Every state and territory has its own scheme - and non-compliance carries serious penalties.
High-Risk Industries
Construction, manufacturing, agriculture, and transport businesses face elevated workplace injury rates - making adequate cover both legally required and essential.
Small Businesses
Even with just one or two employees, you're legally required to hold workers compensation cover in most states. Co-Pilot makes it easy to get the right policy.
Businesses with Contractors
Depending on the nature of the work arrangement, contractors may be deemed workers under state legislation - creating a legal obligation to cover them.
Any Business Starting to Hire
Once you have someone doing work for you, workers compensation obligations kick in. Getting it right from the start avoids penalties and protects your people.
Why Co-Pilot
Why Co-Pilot for workers compensation - not just any broker
We work for you, not the insurer
As an independent broker, we have no loyalty to any provider. Our job is to find the right workers compensation arrangement for your workforce - not the easiest option.
Insurer relationships that open doors
We work across all relevant state schemes and private insurers (where applicable) to ensure your workers are covered under the right arrangement for where they work.
Honest advice on state scheme compliance
Workers compensation is state-based - and each state has different rates, classification codes, and reporting obligations. Getting the wrong classification can mean underpaying or overpaying premiums, and penalties if workers aren't covered correctly.
Clear communication, no surprises
We explain your obligations in plain language, update your cover as your team grows, and are available to guide you when a claim is lodged.
Industrial Specialised Risk
In regard to property loss -
ISR cover typically includes:
For businesses with significant physical assets, Industrial Special Risks (ISR) policies provide broad property protection alongside your workers compensation cover.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
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FAQ
Common Questions About Workers Compensation Insurance
Workers compensation is mandatory.
Let's make sure yours is right.
Co-Pilot helps you navigate the state scheme requirements, classify your workforce correctly, and get the right cover in place before someone is injured - not after.