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What is Workers' Compensation Insurance?

Workers Compensation Insurance is designed to cover an employer’s liability for benefits payable  to an employee who is injured while working for them. Employees are among an organisation’s most valuable assets, so it is one of the most important covers to hold. It is also mandatory in Australia for any business that employs staff to have Worker’s Compensation in place. Some requirements are set by Safe Work Australia, but each state also has its own governing body. 

Why do I need Workers Compensation Insurance?

An employee being injured in the workplace is something no employer would ever want to face. Whilst there are many steps you may take to ensure the safety of your employees, an unfortunate reality is that injuries do happen. Safe Work Australia reported 107,335 serious claims in the year 2017-18.

Not only is Worker’s Compensation mandatory, it’ also one  of the most important covers to have in place to help lessen the emotional and financial challenges that come with a workplace injury, for both employees and employers. It helps protect employers from the financial strain resulting from work related injuries, and assists injured workers maintain their livelihood with weekly payments and assistance with medical and rehabilitation costs.

What does Workers Compensation cover?

If an employee is injured while working or suffers an illness as a result of the work they perform for you, the employee may become entitled to Workers’ Compensation,  which  includes but is not limited to, the  following, subject to full policy terms and conditions:

  • Wages, or a percentage of the employees’ wages, while the employee is unfit for work
  • Cost of medical expenses to assist recovery
  • Rehabilitation costs to return back to work

Why Aon?

Workers' Compensation Insurance. Easy.


Easy to Understand

  • Easy to digest information about insurances your business needs
  • Experienced, friendly brokers on 1300 836 028

Easy to Buy

  • Pay monthly options available

Easy to Manage

  • Manage your renewals easily
  • Adjust your policy anytime
  • Request certificates of insurance quickly and easily
  • Assistance in complex claims

Why choose Aon for Workers Compensation?

Aon is committed to making life easier for small and medium business owners with insurance that’s easy to understand, buy and manage. If you’re a small business owner, your job is anything but small, so when it comes to protecting your business with the right cover, it helps to have an expert on your side.

You can compare covers and take out a policy online in just a few clicks. But if you need help, our team of friendly experienced brokers are a phone call away, so you can have confidence you’re making a better decision for you and your business.

FAQs

Here are some questions commonly asked by clients.
If I am employing a contractor, will my Workers Compensation cover them?
This will depend on the policy you take out. If you hire a contractor, you should notify your broker before they start to find out whether your policy covers them. 
If I need to make a claim, can Aon manage the process for me?
While Aon can help you lodge the claim in the first instance, if the claim is accepted, at some point you may need to liaise with the insurer to provide further details. Payments may also be made by the insurer or your employer rather than through Aon.  
What is the process to make a Workers Compensation claim?
The claims process varies between states. If an employee has suffered an injury or illness due to their employment, it is best to first make contact with them and ensure they receive appropriate medical treatment immediately following the incident. You should then contact your broker who can talk you through the next steps. Your relevant state authority may have forms which you’ll need to fill out and provide to your insurer, or in some states, you may only need to contact your broker. 
Explore more FAQ's
Can Workers Compensation cover Mental Health illnesses?
Workers compensation is not only applicable to physical injuries and illness but also mental health related illness, if it deemed compensable under the relevant state or territory legislation.

How do I make a claim?
You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time which is why as your advocate we are always on hand to help with any questions. Please do not hesitate to call us on 1300 836 028 during business hours. 

What are your opening hours?
Our opening hours are 8.30am to 5.00pm Monday to Friday (AET, except public holidays). If you need to contact us out of hours you can email clicking here and your query will be picked up on the next business day.

How do I renew my policy?
Your renewal offer and schedule will be sent to you via your elected email address, approximately 30 days before your renewal date. It is important at this stage to review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, it is important that you make your payment by the date specified on your tax invoice so that you remain insured.

What if I need to make a change to my insurance?
It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.

Should your circumstances have changed, for example you have moved or the value of your building or contents have changed and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on 1300 836 028.
 

Contact


Call 1300 836 028

8:30am - 7:00pm AET
Mon - Fri (except public holidays)

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1Cover is subject to full policy terms, conditions and exclusions.