WorkCover’s Accident Insurance Policy covers you and your workers if a work-related injury or illness happens.
In Queensland, if you employ workers you must insure them against work-related injury or illness. Unless you’re a self-insurer, you need to take out a policy with WorkCover.
This policy covers you if one of your workers experiences a work-related injury or illness and needs to claim workers’ compensation. This includes both no-fault statutory claims and damages (at-fault) claims. You can read more about these types of claim costs in the sections below.
Who is covered?
Your policy covers any workers you employ as defined in the Workers' Compensation and Rehabilitation Act 2003. It covers workers employed by your business only. Any person you might hire to provide a service from another business is covered by their own employer.
If you’re a sole trader or a director or partner of your own business, or you’re employed by a Trust where you’re a trustee, you’re not considered a worker so you’re not covered by your accident insurance policy. You can take out Workplace Personal Injury Insurance to cover you if you’d like to, but it’s not compulsory.
Will I have to pay an excess?
You’ll need to pay an excess if:
- your worker has taken time off from work due to their injury, and
- your worker‘s claim is accepted and they receive weekly compensation
In the case of a WorkCover claim, you’ll pay your excess to your injured worker as their first payment of weekly compensation.
We’ll let you know how much you need to pay. This will be based on the worker’s normal weekly earnings or award. You'll need to pay the excess within 10 business days of being notified. If you don't do this, we’ll pay the worker for you and then recover the excess from you, along with any penalty as set out under section 66(6) of the Workers' Compensation and Rehabilitation Act 2003.
This excess will be whichever is less out of:
- 100% of Queensland full-time adult’s ordinary time earnings (QOTE), or
- the worker’s weekly compensation (in most cases this is 100% of the award or 85% of normal weekly earnings, whichever is greater).
Learn more about Calculating employer excess (PDF, 2.13 MB).
What else do I need to know?
Explore the sections below for more detailed information on what is covered and how to take out an Accident Insurance Policy.
Your accident insurance policy covers you and your worker for any work-related injury or illness a worker might experience.
There are many different types of injuries covered by your policy. They include:
- physical injuries, like lacerations, fractures, burns
- mental injuries
- injuries that happen over time, like industrial deafness
- injuries that take a long time to show symptoms, like Coal Workers Pneumoconiosis or silicosis
- aggravation of a pre-existing condition
- death from an injury or disease.
Injuries that happen travelling to or from work, while on a break from work, or while working interstate or overseas, may also be covered.
Employees might be covered while working from home, as long as their employment is a significant contributing factor to the injury.
WorkCover considers each case individually. If you have specific queries, call us on 1300 362 128.
If a claim is accepted, your accident insurance policy covers your worker’s:
- lost wages
- medical costs, for example doctor consultations, medication, x-rays
- hospital costs (public and private)
- rehabilitation costs like physiotherapy or return to work programs
- travel expenses relating to treatment or the claim
- lump sum payments
- death benefits and funeral expenses.
The only statutory claim cost you’ll have to pay is the excess as outlined above.
Common law claims happen when your injured worker sues you for damages by submitting a notice of claim. This is when they believe you were at fault in causing their injury.
Your accident insurance policy covers you for the full cost of any common law claim which can include your worker’s:
- past and future loss of income
- treatment and other medical, hospital and rehabilitation expenses
- legal costs
- pain and suffering.
Compensation is generally paid as a settlement to your worker to cover the above.
Your policy also covers your legal costs .
Taking out an Accident Insurance Policy with WorkCover only takes 5 – 15 minutes of your time. You can either apply for a policy online or call us on 1300 362 128.
Any authorised person from your business can set up a policy. This could be a director of the company, a finance officer, or your wife/husband if you're a sole trader.
If your workers are paid by a trust, we require the trustee's information as they’ll be the policyholder.
What information do I need to provide?
You’ll need the following information to apply for your policy:
- the date your employees will start working
- wages information from today until the end of the current financial year
- a short description of your business's primary business activity to establish your WorkCover industry classification (WIC)
- Australian Business Number (ABN) if you have one
- Australian Company Number (ACN) if you have one
- GST status and GST certificate if available
- Your workplace details, including the business or trading name and physical address.
Your certificate of currency confirms that you hold a current WorkCover Queensland policy.
The certificate shows your business entity's name, ABN/ACN (if you have them), and your period of insurance.
You can login to WorkCover Connect at any time to obtain your certificate of currency or call us on 1300 362 128 to get a copy.
We can only provide access to your own certificate of currency. If you'd like to see another employer's certificate, you'll need to request it from them.
If you no longer employ workers in Queensland, you can cancel your policy using WorkCover Connect or call us on 1300 362 128.
You'll need to know:
- the date you last employed a worker
- your actual wages for the financial year you stopped employing.
There is a minimum premium payable on all policies even if you do not employ.
The minimum premium amount is $200 per annum, pro-rata to $50 quarterly if you cancel your policy throughout the financial year.
For a quick rundown on your accident insurance policy, check out the simple video below. It explains the 'how, what and why' of workers' compensation in Queensland.