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It’s time to renew your WorkCover accident insurance policy

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Your accident insurance policy—which covers your business for the cost of any work-related injuries—is due for renewal. To ensure you are covered for another year, you need to declare your wages information by 31 August 2017 so we can calculate your premium.

Declare your wages early to take full advantage of our flexible payment options, which includes a 5% discount for paying your premium in full (if greater than $200), or interest free monthly payment plans if you want to spread your payments over more time. Some payment options will not be available if you declare your wages information after 31 August 2017.

It’s important to understand who you should cover for workers’ compensation and what wages you need to declare. For example, you need to include superannuation and fringe benefits as wages, and some contractors may need to be covered. To find all you need to know about who to cover and what to include when declaring your wages information, visit

When you’re ready to declare your wages, log into our online service, WorkCover Connect, using your policy number and account number and declare quickly and easily online.

What’s new this year?

Apprentice discount

From 1 July 2017 wages paid to apprentices during the course of their apprenticeship will no longer be included in your premium calculation—resulting in a discounted premium for those who employ apprentices. This discount does not apply to trainees.

While you still need to declare apprentice wages to WorkCover, they will not be included in your premium calculation and your apprentices will continue to receive the same level of cover if they sustain an injury in the course of their employment. Further information on this topic can be found here.

Early payment discount increased to 5%

Employers who pay their premium in full have previously been able to benefit from a 3% discount on their premium. From 1 July, we’re increasing this discount to 5%. To take advantage of the 5% discount this year, you need to declare your wages by 31 August, and pay your premium in full by 16 September. Your premium must be greater than $200 to qualify for the 5% discount.

Step-by-step online wage declaration option

We’ve made declaring wages online even easier this year, with the introduction of our step-by-step declaration option. If you’re unsure about what you need to declare as wages, use the step-by-step option to be guided through the wage declaration process where you will be prompted to include (and exclude) all relevant payments that make up your final wages.

Policy snapshot

Employers who renew their policy online will be able to get a better understanding of the factors that influence their premium calculation, through our new policy snapshot. By declaring your wages online, you’ll be able to easily see any discounts you may be benefiting from, compare your claims performance to the industry average, and see how changes to key factors (such as wages or industry rate) have influenced your premium.

$200 minimum premium price

Small business owners can continue to benefit from changes we made last year that reduced the minimum premium price from $290 to $200.

Still the lowest average premium rate in Australia

Queensland employers can continue to enjoy the lowest average premium rate in the nation of $1.20 per $100 in wages.

Don’t forget!

Superannuation payments

All superannuation contributions made by an employer on behalf of a worker must be included as wages in your declaration.

How to calculate your fringe benefits

Fringe benefits are items paid by an employer on behalf of or for the benefit of employees or their families and include motor vehicles, loan benefits, debt waivers, housing, expense payments, school fees, car parking, payment of health benefits, etc. – the grossed up taxable value of these benefits should be declared as wages from 1 July 2017.

Please refer to the wages definition manual for further details.

Weekly compensation payments / employer excess

The following payments should be excluded from your wages:

  • Payments made to injured workers as part of the claims excess period
  • Weekly benefit payments (wages) paid to the injured worker that are reimbursed by WorkCover

If you declare your wages online, you can choose to deduct these payments from your wages automatically.

Certificate of currency

You can go online at any time to obtain your certificate of currency.

Last updated
01 July 2017