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Workers' Compensation Insurance

In today’s working world, employee wellbeing isn’t just a priority, it’s a responsibility.

Australian businesses of all sizes are expected to uphold high standards of safety and support, not just in practice but in policy. When accidents or illnesses occur in the workplace, having the right insurance in place can be the difference between disruption and recovery.

Workers’ compensation insurance is a legal requirement for any Australian business that employs staff. It ensures injured workers receive the treatment, rehabilitation, and financial support they need, while protecting your business from costly claims, legal liability, and operational risk. At Tudor Insurance, we help businesses navigate this essential area of compliance and care with confidence.

Who Should Get Workers' Compensation Insurance?

If your business employs anyone, full-time, part-time, or casual, you are legally required to have workers’ compensation insurance. From construction and logistics to retail, hospitality, healthcare, and office environments, the need for this coverage spans every sector. Manufacturing businesses face particular workplace risks, from machinery-related injuries to repetitive strain, making comprehensive workers' compensation coverage especially important for protecting both workers and operations.

Even businesses with a small team aren’t exempt. Workplace injuries can happen anywhere, and without the correct insurance in place, you risk major legal and financial consequences.

How Does Workers' Compensation Insurance Work?

While the requirement is national, workers’ compensation in Australia is regulated at the state and territory level. Each region has its own scheme and governing body, which can make things complex, especially for businesses operating across multiple states.

Tudor Insurance brings clarity to this fragmented landscape. We understand the intricacies of each scheme and help businesses set up the right policies in the right jurisdictions, avoiding compliance issues and delays.

Here’s how it’s managed at State-levels across Australia:

Regardless of where your business is based, Tudor acts as your broker and guide, managing applications, helping you understand your obligations, and keeping your policy compliant.

What Does Workers' Compensation Insurance Cover?

Workers' Compensation Insurance provides a comprehensive safety net designed to support your employees if they suffer a work-related injury or illness, and to protect your business from the associated costs.

Here's an outline of key coverages:

  • Income Protection:

    Provides income support to injured workers during their period of incapacity, compensating for lost earnings while they recover and are unable to perform their duties.

  • Medical and Hospital Expenses:

    Covers the costs of necessary medical treatment, hospitalisation, pharmaceuticals, and allied health services (like physiotherapy or chiropractic care) for work-related injuries or illnesses.

  • Rehabilitation Services:

    Funds professional rehabilitation programs aimed at helping injured workers recover and return to work safely and as quickly as possible, including occupational therapy and vocational retraining.

  • Lump Sum Payments for Permanent Impairment:

    Offers a one-off payment to workers who sustain a permanent impairment as a result of a work-related injury or illness, in accordance with state-specific legislation.

  • Death and Funeral Benefits:

    Provides financial support to the dependents of a worker who dies as a result of a work-related injury or illness, including coverage for funeral expenses.

  • Legal Costs:

    Covers legal expenses incurred in defending common law claims for damages brought by injured workers, which can arise in certain circumstances beyond the statutory scheme.

Why Use Tudor Insurance as Your Insurance Broker?

Choosing the right insurance partner is just as important as selecting the right coverage.

Tudor Insurance is an Australian-run family business with more than three decades of experience helping organisation owners protect their interests. We bring a client-first approach to everything we do, aiming to make the complexities of insurance as streamlined and straightforward as possible for you. If you need to make a claim, Tudor will expertly guide you towards the best possible outcome, helping to keep your business up and running through challenges, and ensuring a smooth process. Talk to us today about employee insurance or workers’ comp coverage tailored to your business.

Speak with Our Workers' Compensation Insurance Specialists!

Get in touch with one of our experienced brokers for a personalised insurance package using the form here:

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