Workers compensation cover is an insurance payment to employees if they are injured at work or become sick due to their work.
This cover includes payments to employees to cover their wages while they are not fit to work as well as medical expenses and rehabilitation.
It is governed by individual Australian states and territories.
Who Offers Domestic Workers Compensation Cover?
First of all, please check your household insurance policy to see if it includes Public Liability and/or Domestic Workers insurance – the wording may include the likes of “this optional cover is only applicable in states or territories where this insurance can be offered in conjunction with a home contents policy.
Australian Capital Territory, Tasmania and Western Australia are the States and Territories where this cover is able to be obtained as an optional extra.
In all other states you will have to take out domestic workers insurance as a separate insurance policy as these States and Territories have no provision for adding these services to home insurances,
In NSW, Victoria and South Australia, the government authorities have approved designated insurers called “Scheme Agents” who act as Providers of such insurance policies.
Queensland is the only State where the State Government manages and provides coverage under “WorkSafe” – formerly known as WorkCover.
Domestic Work Cover - States & Territories
Here’s a state-by-state rundown of who offers domestic workers cover:
NSW Scheme Agents:
- Allianz
- CGU Workers Compensation
- EML
- GIO
- QBE
VIC Scheme Agents:
- Allianz
- CGU Workers Compensation
- EML
- Gallagher Bassett
- Xchanging
QLD (State Operated):
- WorkCover Queensland's Household Worker's Insurance Policy
WA Private Providers (May be available as optional add-on to home and contents insurance):
- Allianz
- Catholic Church Insurance
- GIO
- Guild Insurance
- CGU Workers Compensation
- QBE Insurance
- Wesfarmers General Insurance
- Zurich
SA Scheme Agents:
- EML
- Gallagher Bassett
TAS Private Providers (May be available as optional add-on to home and contents insurance):
- Allianz
- Catholic Church Insurance
- GIO
- Guild Insurance
- CGU Workers Compensation
- QBE
- Zurich
ACT Private Providers (May be available as optional add-on to home and contents insurance):
- Allianz
- Catholic Church Insurance
- GIO
- Guild Insurance
- CGU Workers Compensation
- QBE
- Zurich
NT Private Providers:
- Allianz
- GIO
- CGU Workers Compensation
- QBE
Please check the relevant State or Territory website for specific information relating to your responsibilities regarding insurance coverage in your individual situation.
ACT: https://www.worksafe.act.gov.au/health-and-safety-portal
NSW: https://www.nsw.gov.au/nsw-government/projects-and-initiatives/agencies-replaced-workcover-nsw
NT: https://worksafe.nt.gov.au/home
QLD: https://www.worksafe.qld.gov.au/
TAS: https://worksafe.tas.gov.au/home
VIC: https://www.worksafe.vic.gov.au/
WA: https://www.workcover.wa.gov.au/
For more information on your support workers qualifications click HERE. Make sure you are ready to self-manage your Home Care Package by following this checklist. Start your self-managed journey today by clicking on 'Get Started' below this article.
