Selecting the right insurance policy is crucial for your protection and that of your fellow workers. WorkCover Queensland offers various insurance products, and choosing wisely is key. Guide to WorkCover insurance is here to assist you in making the right decision. Here's a step-by-step guide to help you understand the types of insurance offered.
Types of Insurance Explained:
Accident Insurance: As a worker in Queensland, you are likely covered under the Accident Insurance Policy. This policy is mandatory for employers and provides coverage for work-related injuries. It encompasses statutory and damages claim costs.
Household Worker Insurance: If you employ individuals like nannies, gardeners, cleaners, or in-home carers directly, and they work around a private dwelling house, you need Household Worker Insurance. This coverage ensures both you and your household workers are protected.
Workplace Personal Injury Insurance: For directors, partners, sole traders, or trustees, the Accident Insurance Policy may not cover you. Consider Workplace Personal Injury Insurance, though it's not compulsory.
Self-Insurance: Under specific criteria, some employers can opt for self-insurance, managing and funding their own claim costs.
Volunteer Insurance: While not mandatory, WorkCover may offer insurance for volunteers in certain roles for non-profit, religious, or charitable organizations. Limitations apply.
- Call 1300 362 128 for more information or to apply.
Work Experience Insurance: While work experience or vocational placements are not compulsory to insure, WorkCover may provide coverage for specific cases like private secondary school students or registered training organization students.
- Call 1300 362 128 to learn more or apply.
Policy Cancellation: If you need to cancel your WorkCover insurance policy, contact WorkCover at 1300 362 128. Accident Insurance policies can also be canceled using WorkCover Connect.
By understanding and leveraging the right insurance for your situation, you contribute to a safer workplace, ensuring coverage in case of unforeseen accidents or injuries