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How to Register for WorkCover Insurance in Australia: The Ultimate Guide for Business Owners

If you hire employees in Australia — even casually — you need WorkCover insurance. It’s not optional. It’s the legal safety net that protects both your team and your business if someone gets hurt on the job.


Yet most founders delay it or miss it entirely. That mistake can cost you thousands in fines or claims.


This guide shows you exactly how to register for WorkCover insurance, what it costs, and how to stay compliant — without the overwhelm.


workcover insurance will cover your employees
You must register once you hire any workers. Delays = fines + uncovered liability.

What Is WorkCover Insurance and Why It Matters

WorkCover (also called workers’ compensation insurance) covers your employees’ wages and medical costs if they’re injured at work.


It protects:

  • Full-time and part-time employees

  • Casuals and apprentices

  • Some contractors depending on contract terms


Each state in Australia has its own WorkCover body:

  • VIC: WorkSafe Victoria

  • NSW: icare NSW

  • QLD: WorkCover Queensland

  • SA: ReturnToWorkSA

  • WA, TAS, NT, ACT: Check state-specific WorkCover agencies


You must register once you hire any workers. Delays = fines + uncovered liability.


Why WorkCover Matters for Business Owners


  • It’s the law. You’re legally required to register when you employ staff.

  • It protects your people. If someone’s injured at work, they’re covered.

  • It protects your business. Without cover, you’re personally liable for wages and medical bills.

  • It’s risk management. One claim can bankrupt an uninsured business.


Real Talk: If your team is your biggest asset, protect them like it.


What You Need Before You Register

  • Your ABN and business name

  • Employee details (e.g., start date, type of work)

  • Estimated total wages for the year

  • Business location and industry type

  • Payroll system or accountant (optional but helpful)


Mentor Tip: Use your chart of accounts or payroll system to help estimate your wages — including super, bonuses, and allowances.


How to Register for WorkCover Insurance in Australia:

Step-by-Step


Step 1: Identify Your State Authority

Each state has its own scheme:


You now know which body regulates your region.


Step 2: Calculate Your Total Wages

Include:

  • Salaries, superannuation, commissions

  • Bonuses and allowances

  • Fringe benefits (if applicable)


This figure is needed to estimate your premium.


Step 3: Complete the Online Registration Form

What you'll provide:

  • ABN and business name

  • Business address and industry

  • Number of employees

  • Wages estimate


Most states have quick online forms and instant confirmation.

Your business is now officially registered for WorkCover.


Step 4: Receive Your Certificate and Policy Number

You'll be issued:

  • WorkCover certificate of currency

  • Employer policy number


File this with your business records and share it with your accountant or HR advisor.


Step 5: Report Changes and Pay Premiums

Update your insurer if:

  • You hire more employees

  • Your total wages change

  • Your business activities expand


Premiums are usually paid annually or monthly depending on the state and wage total.

Using this method, you're compliant and reducing business risk long-term.


Cost of Registering for WorkCover Insurance

State

Typical Premium Rate

Cost Example

VIC

1.27% of wages

$1,270 on $100K wages

NSW

Varies by insurer/industry

Starts $1,000+

QLD

1.2% avg (industry based)

$1,200 on $100K wages

SA

Industry based (2% avg)

$2,000 on $100K wages

Cost-Saving Tip: Keep your claims history clean to qualify for lower premiums in future years.


Common Mistakes Business Owners Make


Waiting until someone’s hired to register 

You must register from day one of employing staff — including casuals.


Underestimating wages 

Leads to incorrect premiums or audit issues later.


Not realising contractors might count 

Some contractors are deemed employees under WorkCover law.


Missing annual reporting deadlines 

Can result in penalties or loss of coverage.


No record keeping of incidents or injuries 

Every incident must be logged — even minor ones.


What to Do Right Now


✅ Register for Workcover Insurance and download an employee handbook checklist via (ProDesk.com) 


✅ Book a consult at [Noize.com.au] if you need help with financial strategies and planning out the growth of your business.


✅ Get the full StartUp Deck at [TheStartupDeck.com] — over 250 cards for setting up your business.


FAQs


Do I need WorkCover if I only hire casuals? 

Yes. Even casual and part-time employees are legally covered under WorkCover laws.


What if my staff are contractors? 

If they work under your direction or use your tools, they may be considered employees for insurance purposes.


Is WorkCover insurance the same as public liability? 

No. WorkCover covers your employees. Public liability covers third parties like customers or suppliers.


How much does WorkCover cost? 

It’s usually 1–2% of your total annual wages, depending on your industry and claims history.


Can I register before I hire someone?

 Yes — and you should. Register as soon as you plan to employ.

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