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
Full-time, part-time, casual and apprentices - everyone on your books, not just permanent staff.
Wage Replacement
If an injured worker can't work, a portion of their wages is covered while they recover - pressure off them, and off you.
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
Construction, manufacturing, agriculture - higher-risk work gets cover that matches the 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.
Hear What Our Clients Are Saying
“We had a fantastic experience working with Joanne for our car loan. Being new to the process, we really appreciated her professional guidance and her honest, down-to-earth advice. She took the time to understand our lifestyle and provided realistic options that gave us real confidence in our decision. Joanne was professional, reassuring, and a pleasure to deal with. Highly recommended!”
Ricky AM Ramos
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.
No impact to your credit score