When a worker is recovering from a work-related injury or illness, you have obligations in assisting your worker in their journey back to work. Learn more about helping people return to work. If you're an employer, you must keep a register of injuries to record workplace injuries or illnesses sustained by workers, even if there has not been a claim.
The register of injuries containing every notifiable incident can be recorded in a hard copy or on a computer. You must make sure your team is appropriately trained to access the register. You may also be able to gain approval from the State Insurance Regulatory Authority SIRA to use the register of injuries as notification of any workplace injury. This is because the policy must align with the end of a month. For all employers taking out a policy for the first time, your policy starts as soon you contact us.
You and your workers have legal rights and obligations under workers compensation laws and guidelines. The legislation forms a workers compensation and workplace injury management framework that provides for:. The system creates a fair, affordable and financially viable workers compensation system and ensures contributions by employers are commensurate with the risks faced in their industry.
NSW based companies who send their NSW based workers overseas or interstate for specific projects of work on a temporary basis are covered under their NSW Workers Insurance Policy provided the length of time spent out of the country or state is less than six months at any one time.
However, in addition to your NSW obligations, you should also check any requirements of that country or state to which you are sending workers. Details of the payments made to workers while overseas can be found in the Wages Definition Manual.
This is to apply whether the payments are made within or outside Australia. Employers should also verify with the relevant overseas authority the legislative requirements of that country. If you get injured at work, follow these steps to get the support you need and recover faster. This document details icare's and the employer's obligations for workers insurance policies. Download this Statement of Policy for an overview of icare's standard workers compensation product. This document explains common terms used in workers insurance policy forms.
In some industries, liability or professional indemnity insurance is mandatory before you can legally operate. Check our Industry information to learn more about your industry or talk to your industry association. The types of liability insurance available vary and some may be more relevant to your industry. Find out more about liability insurance options below.
This covers your assets when a manager or director uses illegal or unethical management practices that cause losses. The losses may be to individuals or businesses. Management liability insurance is fairly complex and most policies have many levels of cover.
Policies are often available as a package and can also cover:. If you sell, supply or deliver goods, even in the form of a repair or service, you may be liable if your products cause:. Product liability insurance covers you if any of these events happen to another business or person when your product fails.
Go to the Australian Competition and Consumer Commission website to learn more about product liability insurance. Professional indemnity insurance helps cover the cost of legal action due to your professional advice. It may cover breaches of contract such as:. Check with your professional associations as they sometimes offer industry-specific indemnity insurance at a much lower cost.
Public liability insurance covers you for third party death or injury. For example, if your business causes:. As technology grows, so does the insurance cover needed to protect against new risks to these devices. This page is part of the Guide to starting a business. Learn the other steps to get your business up and running. We acknowledge the traditional owners of the country throughout Australia and their continuing connection to land, sea and community.
We pay our respect to them and their cultures and to the elders past and present. Toggle navigation. Business insurance. Business insurance Last Updated: 16 September Having the right insurance can help to protect your business, your customers and your income. Understand the different types of insurance and which ones you need for your business. On this page Types of business insurance Compulsory insurance Workers compensation insurance Personal or loss of income insurance Stock, products and asset insurance Accident and liability insurance Technology and cybercrime insurance Insurance in your state or territory.
Types of business insurance. Your business may require certain types of insurance, either: by law such as workers' compensation insurance , or because people you deal with may require it such as public liability insurance to get a market stall. Other types of insurance are your choice, but can be an important way to reduce business risk and protect things like your: business assets such as equipment, premises and stock customers employees business owners earnings.
Compulsory insurance. If your worker works for you in Queensland as well as other states, you only need to insure them in one state or territory. If your worker works in Queensland as well as overseas, you may or may not have to insure them, depending on the situation. There are common tests you can apply to help decide.
Explore the sections below to help work out the right choice for your business and workers. Your worker might work for you in Queensland and one other state, across multiple states, or in a single state other than Queensland. You should always start with the first step Step 1. If your worker usually works in one state or territory, that is their state of connection.
The following should be considered when answering this question:. Step 5. If your worker usually works in one country, that country is their principal place of employment. Skip to content. What does this mean for me? Guidelines for interstate workers. How do I do this?
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