Is Workers Compensation insurance compulsory in Western Australia?

Yes, WorkCover WA law requires any business with employees, or uninsured subcontractors, to hold a Workers Compensation policy — it's a statutory requirement, not an optional extra.

What does Workers Compensation insurance cover?

Workers Compensation covers medical costs, lost wages, common law damages and related expenses if an employee suffers a work-related injury or illness.

What happens if I don't have Workers Compensation insurance for my staff?

Businesses without the required Workers Compensation cover can face fines and penalties, and the business owner may be personally liable for medical costs, lost wages and damages if a worker is injured.

Do I need Workers Compensation cover if my employees have office jobs only?

Yes — injuries aren't limited to physically demanding roles; even office-based tasks like repetitive typing can cause injuries such as carpal tunnel syndrome, so cover is required regardless of job type.

Do subcontractors need to be covered under my Workers Compensation policy?

If a subcontractor doesn't carry their own insurance, they may need to be covered under your policy — Westralian Insurance can advise on how uninsured subcontractors and family members working for you should be treated.

Who regulates Workers Compensation insurance in WA?

Workers Compensation in Western Australia is a legal requirement overseen by WorkCover WA, which sets the rules businesses must follow to protect employees' right to a safe workplace.

How do I arrange a Workers Compensation policy through Westralian Insurance?

Call Westralian Insurance on (08) 9302 2885 for a thorough, obligation-free quote — their qualified brokers will review your business and staffing to arrange compliant cover. ---

Q1. Is Workers Compensation insurance compulsory in Western Australia?

Yes, WorkCover WA law requires any business with employees, or uninsured subcontractors, to hold a Workers Compensation policy — it's a statutory requirement, not an optional extra.

Q2. What does Workers Compensation insurance cover?

Workers Compensation covers medical costs, lost wages, common law damages and related expenses if an employee suffers a work-related injury or illness.

Q3. What happens if I don't have Workers Compensation insurance for my staff?

Businesses without the required Workers Compensation cover can face fines and penalties, and the business owner may be personally liable for medical costs, lost wages and damages if a worker is injured.

Q4. Do I need Workers Compensation cover if my employees have office jobs only?

Yes — injuries aren't limited to physically demanding roles; even office-based tasks like repetitive typing can cause injuries such as carpal tunnel syndrome, so cover is required regardless of job type.

Q5. Do subcontractors need to be covered under my Workers Compensation policy?

If a subcontractor doesn't carry their own insurance, they may need to be covered under your policy — Westralian Insurance can advise on how uninsured subcontractors and family members working for you should be treated.

Q6. Who regulates Workers Compensation insurance in WA?

Workers Compensation in Western Australia is a legal requirement overseen by WorkCover WA, which sets the rules businesses must follow to protect employees' right to a safe workplace.

Q7. How do I arrange a Workers Compensation policy through Westralian Insurance?

Call Westralian Insurance on (08) 9302 2885 for a thorough, obligation-free quote — their qualified brokers will review your business and staffing to arrange compliant cover.

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As a business owner in Western Australia, it is important to understand that WorkCover law requires you to hold Workers Compensation insurance. But why is it necessary?

Workers Compensation is a statutory requirement for any business that employs staff or engages uninsured subcontractors. If you have employees or uninsured subcontractors, you must have a Workers Compensation policy in place.

This insurance provides protection if a worker suffers a work-related injury or illness. It can cover wage replacement when employees are unable to work and pay for medical treatment. Workers Compensation is a legal requirement overseen by WorkCover WA because everyone has the right to a safe workplace.

Why it matters for your business

Workers Compensation insurance protects both your employees and your business. Without it, you could be liable for medical costs, lost wages, common law damages, penalties and other expenses if someone is injured at work.

Taking out a Workers Compensation policy helps you avoid these financial risks while providing vital support for your team.

Westralian Insurance can arrange comprehensive business insurance and provide a thorough, obligation-free quote. Our fully qualified insurance brokers are ready to learn about your business, so call us today on (08) 9302 2885.

“Just wanted to let you know how much we’ve always been super impressed with you guys. Maree and I appreciate everything you do and your staff are amazing. Special mention to Juls…what a ripper.”
Troy Hynam, Go Go On Hold

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How Common Are Workplace Injuries?

You might think that workplace injuries are only likely in dangerous jobs or jobs that require a lot of manual labour. However, the truth is that jobs of all kinds can lead to injuries. For example, repetitive motions such as typing can lead to carpal tunnel. And working at a restaurant can expose employees to the risk of burns and slip and falls.

Whatever kind of business you run in Perth, make sure your employees follow all safety protocols, review your Workplace Health and Safety, and Risk Management policies and procedures regularly, and further protect your business by purchasing a Workers Compensation policy.

Have a Question? We Have Answers

At Westralian Insurance, we help business owners stay compliant with WorkCover laws and protect the financial future of their businesses. If you have questions about insurance for sub-contractors or family members who work for you, contact one of our knowledgeable insurance brokers. We can help you thoroughly understand the legal requirements in your business’s unique situation.

If you’d like to send us a message or request a free quote, email us on info@westralianinsurance.com.au. We look forward to hearing from you.

For more information or for a free quote, call our team today on (08) 9302 2885

Terms, conditions, limits and exclusions apply to the products referred to above. The information provided here is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice, and the relevant Product Disclosure Statement, available by calling us on (08) 9302 2885, before deciding to acquire, or to continue to hold, this product.

Q1. Is Workers Compensation insurance compulsory in Western Australia?
Yes, WorkCover WA law requires any business with employees, or uninsured subcontractors, to hold a Workers Compensation policy — it's a statutory requirement, not an optional extra.
Q2. What does Workers Compensation insurance cover?
Workers Compensation covers medical costs, lost wages, common law damages and related expenses if an employee suffers a work-related injury or illness.
Q3. What happens if I don't have Workers Compensation insurance for my staff?
Businesses without the required Workers Compensation cover can face fines and penalties, and the business owner may be personally liable for medical costs, lost wages and damages if a worker is injured.
Q4. Do I need Workers Compensation cover if my employees have office jobs only?
Yes — injuries aren't limited to physically demanding roles; even office-based tasks like repetitive typing can cause injuries such as carpal tunnel syndrome, so cover is required regardless of job type.
Q5. Do subcontractors need to be covered under my Workers Compensation policy?
If a subcontractor doesn't carry their own insurance, they may need to be covered under your policy — Westralian Insurance can advise on how uninsured subcontractors and family members working for you should be treated.
Q6. Who regulates Workers Compensation insurance in WA?
Workers Compensation in Western Australia is a legal requirement overseen by WorkCover WA, which sets the rules businesses must follow to protect employees' right to a safe workplace.
Q7. How do I arrange a Workers Compensation policy through Westralian Insurance?
Call Westralian Insurance on (08) 9302 2885 for a thorough, obligation-free quote — their qualified brokers will review your business and staffing to arrange compliant cover.

Call us now: (08) 9302 2885