WorkCover Queensland
In QLD WorkCover is your Nominal Insurer
Workers Compensation Insurance in Queensland is provided by the Queensland Nominal Insurer WorkCover Queensland. It is a mandatory requirement for all employers in the state of Queensland who employ deemed workers. In Queensland Workers Compensation insurance is called Accident and Illness Insurance Cover.
Quick Quote Tips
WorkCover Queensland
Quick Quote Tip #1
Business Primary Activity
Your WorkCover’s Accident Insurance Premium is determined by your "Primary Business Activity", which is the basis of your Quick Quote and your premium. When requesting a Quick Quote, provide as much detail as possible about your business activities. Business activity is the primary or predominant activity performed by a business. In determining an employer's business activity, WorkCover will consider a business' primary or predominant activity and the persons that a business engages among other relevant matters.
Quick Quote Tip #2
Number of Deemed Workers
A deemed worker is someone who is treated as a worker for workers compensation purposes. In Queensland PAYG employees and some contractors are usually regarded as workers. But the legal definition can be complicated and there are some cases where it does not apply. It is important to keep in mind that the number of deemed workers and the wages that you give when asking for a quick quote are only approximations.
GJN Industries
"The team at Employers Comp have fantastic customer service, nothing is ever too hard."
Quick Quote Tip #3
Estimate of Wages
An estimate of wages is the projected amount you intend to pay your workers in a financial year. Wages means the total amount given to a worker as wages, salary, or other earnings with monetary value. WorkCover needs to know the actual wages paid during the last financial year to help it calculate your premium for the next financial year. Reporting the wages for your business is a crucial part of updating your accident insurance policy and a key duty as an employer. Employers Comp handles this process for you.
Quick Quote Tip #4
Eligibility Check
Our team will perform an Eligibility Check for you before providing you a Quick Quote. In Queensland, some businesses need to have a Workers Accident Insurance Policy, while others don't. For example, if you are a Working Director of a Company (PTY LTD with ACN) and you only have an apprentice as an employee, you likely need a policy. Relax knowing that an expert is checking this for you.
Handz Constructions
"I am very happy with the team at Employers Comp, they are extremely prompt and supportive"
Adams Mowing
"Employers Comp saved me time and money, it is a must for any business."
How We Help
Cover Set Up
We review your specific needs to provide you with tailored, compliant Workers Compensation insurance protection.
Actual Wages
​We provide you with support in declaring your Actual Wages, Wage Audits, Contractor Testing and Deemed Worker assessments.
Unlimited Advice
​Our team of experts provides you with the Unlimited Advice and guidance to help you navigate the complex world of Workers Compensation.
Renewals
Unlimited support to manage your Renewal. This includes our Representation Guarantee, supporting you through the renewal audit process.
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.
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.
Actual Wage Declarations
We link with your Payroll and Accounting Software to ensure you declare your Actual Wages correctly and compliantly on time.
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.
Renewals
Unlimited support to manage your Renewal. This includes our Representation Guarantee, supporting you through the renewal audit process.
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.
Documents
Have access to your documents 24/7. No matter where you are you have access to your policy documents on the go.
Wage Audits
Thousands of employers every year are audited by their Workers Compensation regulator. We represent you in the process.
Advice
Our team of experts provides you with the Unlimited Advice and guidance to help you navigate the complex world of Workers Compensation.
Compliance made easy for your business.
No matter your industry, we've got the perfect plan to suit your needs.
WorkCover QLD Certificate of Currency Basics
A Certificate of Currency is an official document and proof from your Nominal Insurer,
verifying you have a Workers Compensation Insurance Policy in place for the period
specified on your Certificate of Currency. Nominal Insurers like icare, WorkCover and
WorkSafe will provide businesses with this document yearly, confirming your policy is valid.
WorkCover Queensland Definitions
What is a WIC Code?
Workers Industry Classification Code (WIC)
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, then 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 WorkCover 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.
What is a Deemed Worker?
It’s Complicated!
A Deemed Worker is an individual who is “deemed to be a worker” for Workers Compensation purposes. This will include Full-Time, Part-Time and Casuals employees in your business, and in some situation's Independent Contractors. When renewing your WorkCover Insurance Policy it is the obligation of the employer to include all relevant Deemed Worker remuneration a business has paid when declaring its Actual Wages. Using a specialist like Employers Comp will assist you in ensuring you declaring your Wages accurately and on time to ensure you comply with your WorklCover Accident and Illness Insurance obligations.
What is an Actual Wage Declaration?
A Government Submission
When you have an WorkCover Accident and Illness Insurance policy, it's important to declare your wage and renumeration details at the end of each policy period. This step is crucial because it helps WorkCover Queensland calculate a premium that's both fair and accurate for your business, making sure you're paying the right amount based on your actual wages. It's a record keeping requirement that all Policy Holders are responsible of providing. Employers Comp takes this headache away so you can focus on your business.
Phoenix Hotel
"I really appreciate the support from Employers Comp, which is really helpful and valuable for a business like ours."
