Understanding Workers Compensation

Who needs workers compensation and what needs to be covered?


If you or one of your employees has been injured at work, workers’ compensation will help you:

  • Access medical treatment
  • Cover costs of additional therapies (e.g. physiotherapy, rehabilitation, medicine, chemists, etc.)
  • Provide compensation for hospital visits
  • Compensate time lost from work or from working at a reduced capacity
  • Help you discover how to get back to work

 Appropriate coverage can help defray the high associated costs from workplace injuries.

CGU will work with you, your doctor or your employer to make your return to work as smooth and safe as possible.

Workers’ compensation can be a complex area to understand as the requirements can differ between Australian states and territories. As one of the largest workers’ compensation insurers in Australia, CGU understands how to help you best.

Who needs workers compensation and what needs to be covered?

Generally, if you employ or engage anyone else to work for you, you need to consider workers compensation insurance.

A worker is a person who has entered into or works under a contract of service with you –there does not necessarily need to be a formal written contract in place.   A verbal agreement or simply an intent or understanding of an arrangement might be enough to determine that a person is a worker.

What are the different types of workers compensation schemes in each state?

For more information about workers compensation in your state, visit our Workers Compensation section and select your state. 

Speak with a business insurance specialist

Our team of friendly business insurance specialists can help you understand what covers are available for your business.