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.

Click here to view our regulatory policy for insurers.

List of approved insurers
Insurer Name Address Phone No
ALLIANZ AUSTRALIA INSURANCE LTD Level 10 Brookfield Place, 125 St George’s Terrace PERTH  WA  6000 (08) 9422 8400
CATHOLIC CHURCH INSURANCE LTD Level 1, 61 Fitzgerald Street
1300 655 001
or (08) 9421 6000
AAI LIMITED T/AS GIO Level 12, 58 Mounts Bay Road PERTH WA 6000 (08) 9320 3600
or 13 10 10
GUILD INSURANCE LTD Level 6, 5 Mill Street PERTH WA 6000 (08) 9368 8600
INSURANCE AUST. LTD T/AS CGU WORKERS COMPENSATION 46 Colin St WEST PERTH WA 6005 1300 307 952 or 08 6298 9780
INSURANCE AUST. LTD T/AS WFI 46 Colin St WEST PERTH WA 6005 1300 934 934
QBE INSURANCE AUSTRALIA LTD Level 16, 200 St Georges Tce PERTH GPO WA 6000 (08) 9213 6100
Insurance Covering WA State Government Workers
INSURANCE COMMISSION OF WA 13th Floor, The Forrest Centre, 221 St George’s Terrace PERTH WA 6005 (08) 9264 3333
Performance monitoring

To evaluate the performance of approved insurers, WorkCover WA has developed the Insurer and Self-insurer Principles and Standards of Practice.

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

Claims Managers Capability Framework

The Claims Managers Capability Framework sets out the practices, skills and behaviours expected of claims managers in the Western Australia workers’ compensation scheme.

The Capability Framework translates the Insurer and Self-insurer Principles and Standards of Practice into observable practices and behaviours which claims managers should demonstrate when delivering scheme services.

Claims Managers Capability Framework (PDF – 473kb)

Clinical Framework

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.

Standard workers' compensation insurance policy

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.

Checklist for Memoranda of Agreement or 92f Deeds

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.

Data Specification

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 Online

Digital First is a multi-year ‘umbrella’ initiative adopted to coordinate a range of technology and business related projects that will see WorkCover WA transform a greater proportion of its business to an online or digital environment.

The initial projects focused on the establishment of the WorkCover WA Online platform and the transition from Insurer Online. Under the Digital First Program, further projects will extend functionality.

WorkCover WA Online facilitates several services. These include:

WorkCover Number (WCN) – requests

Insurers can request a new WCN and also search the WorkCover WA database for existing WCNs. Draft requests can be saved without submission, enabling required information to be progressively added.

National Insurer Data Specification (NIDS) – file submissions

Upload file submissions to WorkCover WA and also search submission history. Issues raised from submitted data files can be addressed and summarised. Conversations with WorkCover WA Scheme Information staff can be initiated and responded to through this application.

Submit WC12

The Form WC12 is supplied in Excel format via WorkCover WA Online and assists with the transition to the PRC 06 Premium Rates. The WC12 contains premium and claim information at the individual policy level showing both PRC 93 and PRC 06.

The industry based premium rating system for workers’ compensation insurance in Western Australia is based on the Australian and New Zealand Standard Industrial Classification (ANZSIC). The guide to completing the Form WC12 is available on the WorkCover WA website under Guidelines and forms.


Insurers can search for notified claims, view recent liability notices – Section 57(a) 3(c) – and submit new liability notices.

Policy cancellation

Policy cancellation requests can be submitted and recently submitted cancellation requests can also be retrieved.

Reference information

This application allows insurers to download the following reference documentation:

  • All Service Codes
  • Current Service Codes
  • Service Type Codes
  • Valid Type Code Combinations
  • Service Providers
  • Issues Documentation

If you have any queries relating to WorkCover WA Online, visit WorkCover WA Online FAQs or contact us. 

Guidelines and Forms - Insurers

WorkCover WA requires additional data from insurers for monitoring scheme performance and setting recommended premium rates. This data is required to be submitted in accordance to the guidelines. Please note, with exception of WC20-Semi-Annual 2022/23 returns, all the Forms are now required to be submitted via WorkCover WA Online. Insurers have the option of emailing the WC20-Semi-Annual 2022/23 returns using the WC20-Semi-Annual Form.




Sample Data


Previous Year's Guidelines

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.




Monthly statement by approved insurance offices

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.

Greater than 75% loading applications

All loading applications and appeals are processed in line with WorkCover WA’s Assessment of Premium Rates and Industry Classifications: Loading and Appeal Policy (432KB).

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

To seek WorkCover WA Board approval to charge a loading in excess of 75%, an insurer must submit an application via WorkCover WA Online with a completed Premium Loading Application – Employer Declaration – Form 330 (741KB).

Further information is provided in the Information Sheet – Process – Loadings and Appeal Policy (258KB).


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

Go to Bulletins.

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

Go to Working Directors.

Labour Hire Employers
For more information on coverage, insurance and injury management obligations of labour hire employers, refer to the Labour Hire Employers page.

Go to Labour Hire Employers.

Workplace Fatalities Release of employer's insurer status

Please refer to WorkCover WA’s External Release of Information Policy located on the Request Access to Information page for accessing information regarding an Employer’s Insurance Status

Silicosis claims

Research has found workers in the engineered stone benchtop industry can be exposed to levels of respirable crystalline silica which are hazardous to their health.

Go to Silicosis claims.