Insurers are integral to the workers’ compensation system in Western Australia. They assess claims made by workers, and indemnify employers against compensation for accepted claims.

Insurers have a range of administrative requirements to perform when processing claims made by workers. Your performance against these requirements is actively monitored by WorkCover WA.

This section outlines your requirements, and contains the full list of approved insurers and available resources.

Insurer Name Address Phone No
ALLIANZ AUSTRALIA INSURANCE LTD Level 10 Brookfield Place, 125 St George’s Terrace, PERTH  WA  6000 1300 130 664
CATHOLIC CHURCH INSURANCES LTD Level 1, 61 Fitzgerald Street
1300 655 001
or 9421 6000
AAI LIMITED T/AS GIO Level 12, 58 Mounts Bay Road, PERTH WA 6000 9320 3600
or 13 10 10
GUILD INSURANCE LTD 1322 Hay St WEST PERTH WA 6005 9368 8600
or 9264 2933
QBE INSURANCE AUSTRALIA LTD Level 16, 200 St Georges Tce PERTH GPO WA 6000 9213 6100
WFI INSURANCE L20, 221 St Georges Tce, PERTH WA 6000 1300 934 934
Insurance Covering WA State Government Workers
INSURANCE COMMISSION OF WA 13th Floor, The Forrest Centre, 221 St George’s Terrace PERTH WA 6005 9264 3333

To evaluate the performance of approved insurers, WorkCover WA has developed Approved Insurers Performance Indicators.

If you have any questions about insurance in Western Australia please call us on 1300 794 744 or contact us via email

WorkCover WA endorses the use of the Clinical Framework for the Delivery of Health Services by WA medical and allied health practitioners.

Insurers have a key role in monitoring and making decisions about injury management services. We encourage use of the Clinical Framework to inform collaboration between insurers and service providers in the treatment of injured workers.

See the Clinical Framework section to view the PDF and associated information.

All insurers are required to issue workers’ compensation policies in an approved form. WorkCover WA has issued a Standard Employer Indemnity Policy (PDF – 70kb) which is the basis of all workers’ compensation policies.

The Checklist for Memoranda of Agreement and 92f Deeds (available on the Legal practitioners page) contains points to consider when completing and lodging these documents. Observing these points prior to lodgement will assist in ensuring these documents are processed and registered in a timely manner.

The data requirements set out in the Insurer/Self-Insurer Electronic Data Specification arise from WorkCover WA’s obligations to monitor and recommend changes to the Western Australian workers’ compensation scheme, to promote employment safety and injury management, and to collect data that complies with the National Data Set specification.

WorkCover WA recently collaborated with the Insurance Council of Australia and workers’ compensation regulators in Tasmania, the Australian Capital Territory and the Northern Territory to develop the new National Insurer Data Specification (NIDS), a common specification for workers’ compensation data supplied by insurers and self-insurers. NIDS is closely based on the existing Western Australian specification but also includes data items specific to the individual jurisdictions while allowing for a common data extraction and supply process for insurers and self-insurers.

The implementation of NIDS in Western Australia commenced in January 2014.

Insurer/Self-insurer Electronic Data Specification

WorkCover WA requires additional data from insurers and self-insurers for monitoring scheme performance and setting recommended premium rates. This data is required to be submitted in accordance to the guidelines. Please note that the WC12 Form is now required to be submitted via WorkCover WA Online.




WorkCover WA requires additional data from insurers and self-insurers for monitoring scheme performance and setting recommended premium rates. This data is required to be submitted in accordance to the guidelines. Please note that the WC12 Form is now required to be submitted via WorkCover WA Online.

To test the WC12 Form submission, please go to




You are required to inform WorkCover WA of insurance policy events (cover note, new, renewal, lapse or cancellations) via Insurer Online, in accordance with current electronic data specifications.

Applications to load in excess of 75% of the recommended premium rate.

Insurers must apply to the WorkCover WA Authority (the Board) to charge an employer in excess of 75% of the recommended premium rate.

Go to Application to load in excess of 75% of the recommended premium rate.

WA workers’ compensation acts of terrorism legislation (the legislation) is comprised of:

  • Workers’ Compensation and Injury Management (Acts of Terrorism) Act 2001 (the Terrorism Act), and;
  • Workers’ Compensation and Injury Management (Acts of Terrorism) (Final Day) Regulations 2002 (the Regulations).

The legislation was developed as an urgent response to the insurance industry’s sudden withdrawal of terrorism insurance products following the terrorist attacks in the United States of America on September 11, 2001.

If this arrangement had not been made, employers would have been without cover for claims arising  from terrorist events, and insurers would be in breach of section 160(3) of the Workers’ Compensation and Injury Management Act 1981 (WCIM Act) which requires insurers to insure an employer for the full extent of their liability.

The Terrorism Act was enacted as an interim arrangement pending the development of a national insurance scheme covering terrorism related workers’ compensation claims.

The Commonwealth Government has since developed a national scheme however it excludes workers’ compensation liabilities, which remain the responsibility of the States and Territories.

As it was not intended to operate indefinitely the Terrorism Act contains a sunset clause which has been extended several times (via the Final Day regulations), most recently to 31 December 2018.

The Terrorism Act provides for a post-event insurance arrangement where workers’ compensation liabilities resulting from an act of terrorism are capped with claims costs pooled and then shared by insurers and self-insurers.  The key features of the scheme are as follows:

Approved insurers and self-insurers to be excluded from their liability under section 160 of the WCIM Act to insure employers for workers’ compensation against a terrorist event providing that they hold a valid contribution agreement with WorkCover WA.

A $25 million collective liability cap for insurers and self-insurers with a reduction factor to apply for liability exceeding this cap (statutory benefits only, common law is excluded).

A 90 day time limit for claims applicable from the date specified in a Ministerial declaration. If no Ministerial declaration is made, injured workers may still be compensated providing that WorkCover WA is satisfied an act of terrorism has occurred – no time limit applies in this situation.

Liabilities to initially be paid from the Employers’ Indemnity Supplementation Fund (Supplementation Fund) and recovered from insurers and self-insurers.

Once liability is determined, insurers are collectively liable for 95 per cent (apportioned individually by market share). Self-insurers are liable for the remaining 5 per cent (apportioned individually by level of declared wages).

In 2012 WorkCover WA commenced the review of acts of terrorism legislation with a view to addressing identified anomalies and establishing a permanent, contemporary legislative arrangement for workers’ compensation liabilities arising out of acts of terrorism.

The review was finalised in 2013 and the recommendations of the review will be incorporated into the broader review of the Workers’ Compensation and Injury Management Act 1981.

For further information contact Kevin Gillingham (08) 9388 5640.

View the range of WorkCover WA Bulletins that provide insurers with clarification on legislative matters and administrative requirements.

Go to Bulletins.

For more information on how working directors are covered under the Act, refer to the ‘Working Directors’ page.

Go to Working Directors.