Do I need workers' compensation insurance?

Workers’ compensation insurance covers your workers when they are working for your trade or business and/or while acting under your instructions.

Workers’ compensation protects you and your business from financial claims when a worker sustains a work related injury or disease. It provides injured workers with weekly payments to cover loss of earning capacity and payment of reasonable medical and vocational rehabilitation expenses, where necessary, to help them remain in or return to gainful employment.

In special circumstances, where a worker would otherwise not be able to return to work, and where they meet other essential criteria, they may be eligible to receive specialised retraining. In some circumstances, workers may be entitled to lump sum settlements.

Specific provisions in relation to claims that involve a journey are contained within the Workers’ Compensation and Injury Management Act 1981 (the Act). Workers will normally not be treated as having suffered personal injury by accident arising out of or in the course of their employment if they suffer an injury during a journey between their place of residence and place of employment or vice versa.


What if I don't have workers' compensation insurance?
If you don’t have workers’ compensation insurance, your company will be liable for the cost of the statutory benefits under the Workers’ Compensation and Injury Management Act 1981 (the Act) if one of your workers has a work related injury or industrial disease. This could cost in excess of $600,000, plus legal costs involved in court action and you may also be liable for the cost of any action taken at common law.

If you are uninsured, you may also be liable for fines of up to $5,000 per worker, as well as an amount equal to any avoided premiums going back five years. If you continue to be uninsured after the date of your conviction, you will commit a separate and further offence for every week you are uninsured.

Does WorkCover WA enforce fines for companies that are uninsured?
Our team of Compliance officers regularly visit workplaces all over the State to ensure that they have a current workers' compensation policy in place.

WorkCover WA will seek to prosecute employers who do not comply with their obligations under the Act.

What is an avoidance arrangement?
The new workers’ compensation laws (from November 2005) prohibit certain employers from requiring individuals to incorporate (set up their own company) as a condition of getting a contract for work.

Prior to this, in many cases, workers continued to work exclusively or substantially for the company that previously employed them, while performing the work as a sole director of their own company. This left these workers, who were fundamentally employees, without any workers’ compensation cover.

The term ‘avoidance arrangement’ applies only in the following circumstances:

1. The arrangement was entered into on or after 14 November 2005.

2. The work is done under an arrangement designed to enable an employer to benefit from a worker’s services without liabilities and duties as the worker’s employer under the Workers’ Compensation and Injury Management Act 1981; specifically if:

(a) before the arrangement was made, the worker was the employer’s worker(under the Act) and provided substantially similar services; or

(b) before the arrangement was made, the employer intimated they would not engage the worker under contractual arrangements that would make the worker the employer’s worker under the Act.

3. While the arrangement is in effect, the worker does work principally for the employer on behalf of a company of which the worker is an employee or director.

4. The work is directly a part or process in the trade or business of the other employer.

Employers who allow a worker to do work for them under such ‘avoidance arrangements’ may be fined a maximum of $5,000.

If a worker is injured while working for an employer under an avoidance arrangement, the employer will be liable to pay workers' compensation entitlements in accordance with the Act and meet return to work obligations.

It is an offence for an employer (or the employer’s insurer) to receive any money or indemnity from the worker (or the worker's company) in respect of any compensation liability the employer has to pay compensation. Penalty: $2,000.

Examples of avoidance arrangements

1. Worker previously employed - AG Engineering enters into a new contract with a welder who was previously employed under a contract of service by the company to weld steel roofing frames.

Under the new arrangement, the welder provides substantially similar services as she did when working for AG Engineering, but provides those services on behalf of a separate company as a director or employee, working principally for AG Engineering. The work done is also directly part of the business of AG Engineering - that is, metal fabrication.

If an injury occurs, AG Engineering will be liable to pay the welder compensation and meet return to work obligations, if required.

2. Worker not previously employed - Morrissey Cleaners calls for tenders from incorporated companies to provide cleaning services to its clients. Morrissey Cleaners intimates that it is not responsible for workers’ compensation under the contractual arrangement for any company winning the tender for the contract.

An applicant, Mr Brookes, forms a company named PB Pty Ltd, registers himself as the director and PB Pty Ltd wins the contract. While the contract is in effect, Mr Brookes does work principally for Morrissey Cleaners – work that is directly a part of the business of Morrissey Cleaners - that is, industrial cleaning.

If an injury occurs, Morrissey Cleaners will be liable to pay Mr Brookes' compensation and meet return to work obligations, if required.

 

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