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Your questions answered for Workers Compensation & Wage Compliance

Welcome to our comprehensive FAQs page, designed to answer all your questions about managing Workers Compensation with Employers Comp. Whether you're a business owner looking to simplify compliance, reduce costs, or understand the intricacies of Workers Compensation in your state, we've got you covered. Our expert team is here to provide tailored solutions that fit your unique needs, ensuring your business remains protected and compliant. Explore the FAQs below to learn why Employers Comp is the right choice for your Workers Compensation management.

  • How does Employers Comp benefit my business?
    With Employers Comp, you can concentrate on managing your business operations while they handle all aspects of Workers' Compensation. They guarantee that your insurance policy is optimized and satisfies all regulatory requirements, providing you with peace of mind.
  • What is a WIC Code?
    A WIC code is a crucial part of your Workers Compensation Insurance program. Each scheme has its own set of unique WIC Codes. Your premium is based on the WIC code allocated to your business. If your business changes its primary activity, your WIC code may change. It is important to ensure your business has the correct WIC code allocated to it to avoid overpaying for underpaying on your Workers Compensation Insurance Premiums. Using a Workers Comp specialist like Employers Comp will assist you in ensuring you are paying the correct WIC code related to your business.
  • How can I obtain a competitive Workers Compensation insurance quote for my business in Australia?
    For a tailored quote, you can complete the online form on our website. Alternatively, you can contact Employers Comp directly for personalised assistance and a competitive quote.
  • What ongoing support does Employers Comp offer for Workers Compensation?
    With Employers Comp, you have access to a wealth of support and advice. We provide regular updates on policy changes, premium management services, wage declarations, and renewal management to proactively address your ongoing Workers Compensation needs and help you stay compliant.
  • Can Employers Comp help if I have multiple business locations?
    Yes, Employers Comp can manage Workers Compensation policies across multiple locations, jurisdictions and States, ensuring consistency and compliance across all your operations.
  • How does Employers Comp help reduce Workers Compensation costs?
    Employers Comp conducts detailed renewals, wage reviews, policy management, premium management and contractor testing to ensure you are paying a tailored and accurate premium calculation, saving you time, money and stress.
  • How does Employers Comp ensure my Workers Compensation policy remains compliant?
    Employers Comp stays up-to-date with all relevant laws and regulations, providing proactive management to keep your business compliant and avoid penalties. We manage your renewals, hold your records and represent your interests, we work for you, the policy holder.
  • Why should I use Employers Comp to manage my Workers Compensation policy?
    Employers Comp offers expert, tailored services that simplify Workers Compensation management, ensuring compliance, reducing costs, and saving you time and stress.
  • What is a deemed worker, and how does it affect my Workers Compensation policy?
    Deemed workers are individuals who are legally considered workers for compensation purposes, even if they may not meet the traditional definition of an employee, such as apprentices, independent contractors, volunteers, etc.
  • What if my business grows or changes-can Employers Comp adjust my Workers Compensation policy?
    Employers Comp provides tailored ongoing support, including policy adjustments as your business evolves, ensuring you're always covered appropriately, compliantly and correctly.
  • What is Workers Compensation Insurance in Australia?
    Workers Compensation Insurance in Australia protects businesses by covering costs related to workplace injuries or illnesses, ensuring compliance with legal obligations.
  • What types of businesses can benefit from Employers Comp's services?
    Employers Comp serves a wide range of businesses, from small owner operated businesses to medium enterprises, providing customised Workers Compensation solutions that fit your specific needs.
  • How do I correctly declare wages for Workers Compensation premiums?
    How you declare your actual wages and what you need to include in your declaration will depend on a number of factors, such as: 1. your business structure, 2. the state your policy is held in, 3. the type of workers you engage and 4. incentives that may be available to you from your state insurer.
  • What is Workers Compensation?
    Workers' compensation insurance is a type of insurance that provides financial support and medical benefits to employees and deemed workers who suffer a work-related injury or illness. It is a legal requirement for most employers in Australia to have this insurance in place to protect both themselves and their employees.
  • How can Employers Comp assist with Worker Compensation compliance and audits?
    When you receive a wage audit notice, it's crucial not to disregard it. It is a legal notice. Employers Comp, provides assistance by serving as your representative. They will work closely with you to ensure compliance with all statutory obligations. Reach out to Employers Comp for some complimentary non billable initial advice.
  • How does Employers Comp simplify the process of managing Workers Compensation?
    By handling all aspects of your Workers Compensation policy, from setup to wage declarations, Employers Comp saves you time and reduces the administrative burden on your business.
  • How can Employers Comp help me stay compliant with Workers Compensation laws?
    By leveraging current knowledge of State-specific regulations, Employers Comp safeguards your business from potential penalties and legal complications, ensuring compliance with all applicable workers compensation laws and regulations.
  • What support does Employers Comp provide during a wage audit?
    Employers Comp provides full support during wage audits, including reviewing declarations, payments, awards, contractors and preparing the necessary documentation. We represent you and your business to government auditors to ensure compliance and reduce risk.
  • What makes Employers Comp different from other Workers Compensation services?
    At Employers Comp, we serve as your dedicated advocate, representing you as both an employer and policyholder. Unlike government agencies or claims services providers, our sole focus is on supporting the employer and business owners. By entrusting us with your compliance responsibilities, we allow you to concentrate on your business, saving you time, money, and stress.
  • Is WorkCover compulsory in QLD?
    WorkCover Accident Insurance is a mandatory insurance that all employers must have to cover their employees and deemed workers in case of work-related injuries or illnesses.
  • What is Workers Compensation Insurance in Queensland?
    Workers Compensation Insurance in Queensland is called “WorkCover Accident Insurance” and is a mandatory insurance that all employers must have to cover their employees in case of work-related injuries or illnesses. It is managed by WorkCover Queensland, a government-owned insurer.
  • What is a deemed worker under Queensland Workers Compensation?
    In QLD, a deemed worker is a traditional employee and or a person who might not be a traditional employee under a contract of service but is still considered a worker for the purposes of workers compensation, this includes workers such as contractors, outworkers, volunteers etc.
  • Who must have Workers Compensation Insurance in Queensland?
    In Queensland, almost all employers who have employees (workers) and in some circumstances contractors must have WorkCover Accident Insurance. This includes businesses such as partnerships, sole traders, and even volunteer organisations if they have paid workers. However, there are exceptions for self-insurers and specific industries with their own schemes.
  • How do I declare wages for Workers' Compensation in Queensland?
    In Queensland, you declare your wages for Workers' Compensation during the annual policy renewal process, typically in early July. You can do this through a number of methods. You'll need to declare both your actual wages from the previous financial year and your estimated wages for the upcoming year. Employers Comp integrates with your accounting and payroll software, and manages this process for you end to end.
  • What should I do if I receive a wage audit notice in Queensland?
    When you receive a wage audit notice, it's crucial not to disregard it. It is a legal notice. Employers Comp, provides assistance by serving as your representative. They will work closely with you to ensure compliance with all statutory obligations. Reach out to Employers Comp for some complimentary non billable initial advice.
  • How can Employers Comp help Queensland businesses with Workers Compensation compliance?
    Employers Comp provides services in QLD that include policy setup and registration, eligibility checks, WIC Code reviews, wage declaration management, contractor testing, premium management, and representation during audits to ensure compliance with local regulations.
  • Who is required to have Workers Compensation Insurance in NSW?
    In New South Wales all businesses who engage employees and deemed workers are legally required to have Workers Compensation Insurance to cover workplace injuries or illnesses. Failing to have a policy in place can lead to fines and imprisonment.
  • How do I declare wages for Workers Compensation in NSW?
    In NSW, you declare your total wages paid to your deemed workers for your previous policy period when renewing your Workers Compensation insurance. You can do this through a number of methods. Employers Comp integrates with your accounting and payroll software, and manages this process for you end to end.
  • What is a deemed worker under NSW Workers Compensation law?
    In NSW, a deemed worker is a traditional employee and or a person who might not be a traditional employee under a contract of service but is still considered a worker for the purposes of workers compensation, this includes workers such as contractors, outworkers etc.
  • Who needs to have Workers Compensation Insurance in NSW?
    In NSW, it is mandatory for all businesses who engage deemed workers and pay more than $7,500 in wages annually to have a policy in place. For example, this includes businesses with an Australian Company Number who only have a single Working Director or a Sole Trader who only employs an apprentice.
  • What steps should I take if I receive a wage audit notice in NSW?
    When you receive a wage audit notice, it's crucial not to disregard it. It is a legal notice. Employers Comp, provides assistance by serving as your representative. They will work closely with you to ensure compliance with all statutory obligations. Reach out to Employers Comp for some complimentary non billable initial advice.
  • Is WorkCover compulsory in NSW?
    In New South Wales all businesses who engage employees and deemed workers are legally required to have Workers Compensation Insurance (AKA WorkCover Insurance) to cover workplace injuries or illnesses. Failing to have a policy in place can lead to fines and imprisonment.
  • How can Employers Comp assist with Workers Compensation in NSW?
    Employers Comp provides services in NSW that include policy setup and registration, eligibility checks, WIC Code reviews, wage declaration management, contractor testing, premium management, and representation during audits to ensure compliance with local regulations.
  • What is Workers Compensation Insurance in NSW?
    In New South Wales, Workers Compensation Insurance is referred to as "Workers Insurance." It is administered by icare NSW, a government-owned entity that acts as the Nominal Insurer. icare NSW is responsible for representing the scheme and managing various insurance services on behalf of the NSW state government.
  • What is Workers Compensation Insurance in Victoria?
    Workers Compensation Insurance in Victoria is called “WorkCover Insurance”, it is a compulsory insurance scheme that provides financial and medical support to employees injured or ill due to their work. Managed by WorkSafe Victoria, it ensures workers receive compensation and assistance in returning to work.
  • What should I do if I receive a wage audit notice in Victoria?
    When you receive a wage audit notice, it's crucial not to disregard it. It is a legal notice. Employers Comp, provides assistance by serving as your representative. They will work closely with you to ensure compliance with all statutory obligations. Reach out to Employers Comp for some complimentary non billable initial advice.
  • How can Employers Comp help Victorian businesses with Workers Compensation compliance?
    Employers Comp provides services in Victoria that include policy setup and registration, eligibility checks, WIC Code reviews, wage declaration management, contractor testing, premium management, and representation during audits to ensure compliance with local regulations.
  • How do I declare wages for Workers Compensation in Victoria?
    In Victoria, employers must declare their wages for WorkCover insurance by logging into their businesses Employer Services account. This declaration should reflect the actual wages paid to their employees and deemed workers during the policy period. Employers Comp integrates with your accounting and payroll software, and manages this process for you end to end.
  • What is a deemed worker under Victoria Workers Compensation law?
    In Victoria, a deemed worker is a traditional employee or someone who is considered a worker for WorkCover purposes even if they aren't a traditional employee. This can include workers such as contractors or partners.
  • Who must have Workers Compensation Insurance in Victoria?
    In Victoria, employers must generally have WorkCover Insurance if they employ workers and expect to pay more than $7,500 in wages and benefits annually, or if they employ apprentices or trainees, regardless of the total wages.
  • Is WorkCover compulsory in VIC?
    In Victoria, employers must generally have WorkCover Insurance if they employ workers and expect to pay more than $7,500 in wages and benefits annually, or if they employ apprentices or trainees, regardless of the total wages.
  • How can Employers Comp assist with Workers Compensation in South Australia?
    Employers Comp provides services in SA that include policy setup and registration, eligibility checks, WIC Code reviews, wage declaration management, contractor testing, premium management, and representation during audits to ensure compliance with local regulations
  • Who needs Workers Compensation Insurance in South Australia?
    In SA, all businesses with employees based or working within the state are required by law to obtain Work Injury Insurance. This insurance coverage is essential if you anticipate your total payroll to surpass $15,802 during the 2024-25 financial year.
  • What is a deemed worker under South Australian Workers Compensation law?
    A deemed worker in SA is a traditional employee and or someone considered a "worker" for Work Injury Insurance even if they're not a typical employee. This includes independent contractors in specific industries and some company directors.
  • What is Workers Compensation Insurance in South Australia?
    Workers Compensation in South Australia (SA) is called “Work Injury Insurance” and is a mandatory scheme that protects businesses and injured workers in the case of a work related injury or illness.
  • What should I do if I receive a wage audit notice in South Australia?
    When you receive a wage audit notice, it's crucial not to disregard it. It is a legal notice. Employers Comp, provides assistance by serving as your representative. They will work closely with you to ensure compliance with all statutory obligations. Reach out to Employers Comp for some complimentary non billable initial advice.
  • Is WorkCover compulsory in SA?
    All businesses with employees or deemed workers based or working within the state are required by law to obtain Work Injury Insurance. This insurance coverage is essential if you anticipate your total payroll to surpass $15,802 during the 2024-25 financial year.
  • How do I declare wages for Workers Compensation in South Australia?
    In SA, you'll need to provide both estimated wages for the upcoming year and actual wages paid in the previous year. It's important to include all forms of remuneration, not just base salary, to ensure accurate premium calculations. Employers Comp integrates with your accounting and payroll software, and manages this process for you end to end.
Product

Our Four Core Services

Tailored for your business
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Policy
Management
We review your specific needs to provide you with tailored, compliant Workers Compensation protection.
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Wage
Management
We provide you with support in declaring your Actual Wages, Wage Audits, Contractor Testing and Deemed Worker assessments.
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Unlimited
Advice
Our team of experts provides you with the Unlimited Advice and guidance to help you navigate the complex world of Workers Compensation.
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Renewals
 
Unlimited support to manage your Renewal. Businesses transform, reporting requirements and how you engage your workers evolves.

How we Help

Employers Comp has assisted thousands of businesses in managing their Workers Compensation Insurance compliance. We assist our clients by providing the following nine core services.

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Cover Set Up

We review your specific needs to provide you with tailored, compliant Workers Compensation protection.

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Premium Payments

We help you manage your WIC Codes and payments to ensure you can afford your cover and avoid penalties and fines.

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Actual Wage Declarations

We link with your Payroll and Accounting Software to ensure you declare your Actual Wages correctly and compliantly on time.

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Contractors Compliance

Not all contractors are your deemed workers. But some are and they need to be included in your policy. We take the headache away.

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Renewals
 

Unlimited support to manage your Renewal. This includes our Representation Guarantee, supporting you through the renewal audit process.

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Registrations

Registering a new company, policy or claim we provide you with ongoing advice to save you time and provide you with peace of mind. 

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Documents

Have access to your documents 24/7. No matter where you are you have access to your policy documents on the go.

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Wage Audits

Thousands of employers every year are audited by their Workers Compensation regulator. We represent you in the process.

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Advice

Our team of experts provides you with the Unlimited Advice and guidance to help you navigate the complex world of Workers Compensation.

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Compliance made easy for your business.

No matter your industry, we've got the perfect plan to suit your needs.

Product

Benefits

Tailored for your business
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Fixed Payments

Save Money

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Account Manager

Save Time

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Peace of Mind

Stress Less

Rescue Blue

The team at Employers Comp have fantastic customer service, nothing is ever too hard.....

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Save Time, Save Money, Stress Less...

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Adams Mowing

"Employers Comp saved me time and money, it is a must for any business."

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