Workers Compensation Insurance

Every employer has a legal responsibility to provide a safe workplace to their employees. But accidents are bound to take place even when all the safety measures are taken. It becomes crucial to protect employers themselves from various lawsuits that result from such workplace accidents.

Compensation and medical care for lost income due to workplace accidents are offered to employees who are hurt in these accidents. Hence businesses are required to buy workers compensation insurance. This insurance will cover workers who are injured on job whether workplace premises or elsewhere or in auto accidents while on business.

Workers compensation offers payments to injured employees without considering the fact who's to blame for the accident, for rehabilitation and medical services.

It also offers death benefits to surviving dependents and spouses.

Many individuals are considered as workers for workers compensation purposes, where the law terms them as 'deemed workers'. All those who are deemed as workers must possess a workers compensation insurance. Deemed workers are:

Contractors
Mine employees
Workers at place of pickup
Rural workers
Fire fighters
Salepersons, collectors,

When a worker is injured on the job, he/she should contact the employer or supervisor who provides a claim form. The form is used to describe the injuries as to where, how and when it occurred. Then the completed form is returned to the employer which is sent to the state compensation insurance fund. Then the worker receives the benefits he/she may be entitled to.

Companies offering workers compensation insurance

1. Workers Compensation Consulting
L1, 51-53 Chandos St St Leonards NSW 2065
ph: (02) 8436 6222

2. CGU Workers Compensation
12/ 607 Bourke St Melbourne VIC 3000
ph: (03) 9628 1444

3. Workers Compensation Advice
PO Box 826 Spring Hill QLD 4000
ph: (07) 3216 1222

4. OAMPS Workers Compensation
Lvl 1 25 Grose St North Parramatta NSW 2151
ph: (02) 8838 5700

5. Workers Compensation Risk Management
Suite 201/ 19 Crinan St Hurlstone Park NSW 2193
ph: (02) 9559 6200

6. CGU Workers Compensation (Vic) Limited
Level 5, 477 Collins St Melbourne VIC 3000
ph: 1800 066 204

7. FAI Workers Compensation (NSW) Ltd
8 Spring St Sydney NSW 2000
ph: (02) 9844 0500

8. QBE Workers' Compensation (NSW) Limited
Level 3 134 King St Newcastle NSW 2300
ph: (02) 4927 3777

9. Total Workers Compensation Management
5 Frederick St Kotara NSW 2289
ph: (02) 4967 3661

10. WCD Workers Compensation Solutions
76 Ologhlen St Latham ACT 2615
ph: (02) 6161 0710

11. A Workers Compensation Advice QLD
Fortitude Valley QLD 4006
ph: 1800 116 162

12. Gallagher Bassett Services Workers Compensation Vic Pty Ltd
Locked Bag 3570, GPO Melbourne VIC 3001
ph: (03) 9297 9000

13. Local Government Association Workers Compensation Scheme
16 Hutt St Adelaide SA 5000
ph: (08) 8235 6460

14. A Worker Compensation & Motor Accident Injury Centre
Cnr Hassall & Wigram Sts Parramatta NSW 2150
ph: 1300 138 981