Business Insurance

Workers Compensation Insurance

Looking after your team just makes sense, and workers compensation insurance helps you do just that. At Co-Pilot Finance & Insurance, we make sure your people are covered if they get hurt or sick on the job, so they can bounce back with confidence and your business keeps running smoothly.

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Ensure both your employees and your business are protected from accidents in the workplace.

What is Workers Compensation Insurance?

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; it protects your business too. Having this insurance can save you from costly legal dramas and keep things ticking over while your team gets back on its feet.

How Does Workers Compensation Insurance Work?

If someone on your team gets hurt at work, they report it to you, and you lodge a claim with your insurer. From there, the insurance helps cover their medical costs and part of their pay while they’re off work. It’s a win-win – your employee gets support while they recover, and your business stays protected without needing to deal with lawsuits or long delays.

What’s Included in Workers Compensation Insurance?

Workers compensation insurance offers solid coverage when it comes to covering the basics. Here’s what’s usually in the mix:

All your employees – including casuals, temps, apprentices and trainees. Some contractors might be covered too, depending on the rules in your state or territory.
Wages – if an injured worker can’t do their job, the insurance helps cover part of their lost income.
Medical and rehab costs – from GP visits to physio and everything in between to help them get back on the job.

Just a heads-up: this type of insurance doesn’t cover sole traders or business partners. You’ll need a separate cover for that.

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Who Needs Workers Compensation Insurance?

If you’ve got people working for you, whether full-time, part-time or casual, you need workers compensation insurance. Here’s why it matters:

All businesses with staff – it’s not optional, it’s the law.
High-risk industries – like construction or manufacturing, where accidents are more likely.
Small businesses – one claim could put a serious dent in your finances if you’re not covered.
Companies using contractors – depending on where you’re based, you might need to cover some contractors too.

It’s all about protecting your people and your business and making sure everyone’s looked after if something goes wrong.

Why Choose Co-Pilot Finance and Insurance for Workers Compensation Insurance?

At Co-Pilot, we’re all about making insurance simple and actually helpful. When you work with us, you can expect:

Tailored coverage – We’ll sort out a policy that fits your business like a glove.
Claim support that cares – Our service is quick, clear and fair, with real people who get what you’re going through.
Help with safety – We’ll even help you lower your risk of claims with smart advice on workplace safety.
Great value – We offer cover without the scary price tag.
Top-notch service – Our team’s always here to answer your questions and guide you through it all.
Flexible plans – Your business won’t stay the same forever, and neither should your insurance.
A trusted name – Businesses around Australia count on us, and you can too.

With Co-Pilot, you’re not just ticking a box. You’re choosing a partner who’s just as invested in your team’s wellbeing as you are.

In regard to property loss – Industrial specialised risk typically covers:

Asset replacement

Regulatory Fees

Damages

Fire expenses

Fees

Accessory replacement

Valuables

Hear what our clients are saying

Thank you for your excellent service, I really appreciate it. You looked after me so well, I did not have to worry about a thing, and it was sorted within 3 days. So happy.

I was going to send an email but it had to be a call – thank you so much for the hard work and effort that you put in for me. The advice that you gave and I’m very appreciative of that. Thank you so much.

Martin’s attention to detail, efficiency and service standards were maintained at the highest level for the settlement of my car purchase during the Christmas period.

Thank you again. You are super professional and always go above and beyond.

We had a great experience with Co-Pilot, thank you for the pushing to get this over the line very quickly.

You really alleviated the pressure when needed.

Another job well done, your excellent service is appreciated by us.

Your patience and experience made this process very and stress free for me.

I always felt like I was your only client and nothing was ever an issue.

5.0 Rated

☆☆☆☆☆ 4.9/5

Thank you for your excellent service, I really appreciate it. You looked after me so well, I did not have to worry about a thing, and it was sorted within 3 days. So happy.

Pradeep

@pradeep

5.0 Rated

☆☆☆☆☆ 5/5

Thank you again. You are super professional and always go above and beyond.

Nick

@nick

5.0Rated

☆☆☆☆☆ 4.8/5

Another job well done, your excellent service is appreciated by us.

Timothy

@Timothy

4.9 Rated

☆☆☆☆☆ 4.9/5

Jony

@jony

4.9Rated

☆☆☆☆☆ 4.8/5

We had a great experience with Co-Pilot, thank you for the pushing to get this over the line very quickly.

Vikum

@Vikum

5.0 Rated

☆☆☆☆☆ 5/5

Your patience and experience made this process very and stress free for me.

Simon

@Simon

5.0 Rated

☆☆☆☆☆ 5/5

Martin’s attention to detail, efficiency and service standards were maintained at the highest level for the settlement of my car purchase during the Christmas period.

Penelope

@Penelope

4.9 Rated

☆☆☆☆☆ 4.9/5

You really alleviated the pressure when needed.

Stefan

@Stefan

5.0 Rated

☆☆☆☆☆ 5/5

I always felt like I was your only client and nothing was ever an issue.

Rob

@rob

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Business Insurance

Workers Compensation Insurance

Get In Touch With Us

Ensure both your employees and your business are protected from accidents in the workplace.

What is Workers Compensation Insurance?

How Does Workers Compensation Insurance Work?

What’s Included in Workers Compensation Insurance?

Who Needs Workers Compensation Insurance?

Why Choose Co-Pilot Finance and Insurance for Workers Compensation Insurance?

In regard to property loss – Industrial specialised risk typically covers:

Asset replacement

Regulatory Fees

Damages

Fire expenses

Fees

Accessory replacement

Valuables

Or Call Us

Hear what our clients are saying

5.0 Rated

Pradeep

5.0 Rated

Nick

5.0Rated

Timothy

4.9 Rated

Jony

4.9Rated

Vikum

5.0 Rated

Simon

5.0 Rated

Penelope

4.9 Rated

Stefan

5.0 Rated

Rob

Let's takes a few seconds to leave your comment

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