Table A
Full cover — statutory liability under the Act plus liability at common law.
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Statutory · Workplace injury · Employees' Compensation ActIf an employee is injured, disabled or dies because of their work, you're legally liable to compensate them under the Employees' Compensation Act. Workmen's Compensation (WC) insurance funds that liability — medical costs, compensation and legal defence — so an accident doesn't become a personal financial burden. We arrange compliant cover at a competitive premium.
Workmen's Compensation (now called Employees' Compensation) insurance covers an employer's statutory liability to pay compensation when a worker suffers injury, disablement, occupational disease or death arising out of and in the course of employment. The policy funds that compensation, the medical costs and the legal defence.
Exact terms are governed by the insurer's policy wording and the Act — we help you stay compliant.
Full cover — statutory liability under the Act plus liability at common law.
Common-law liability only, where statutory cover is provided elsewhere.
Adds medical expenses arising from a covered workplace injury.
Extends cover to sub-contracted workers on your site or project.
Covers scheduled diseases arising from the nature of the work.
Cover for all workers on a construction or contracting project.
Most employers of manual or hazardous labour carry a statutory liability under the Act. We'll confirm what applies to your business.
The premium and the payout basis depend on your wage bill and number of employees — get it right to keep cover valid.
Table A covers both your statutory liability and common-law claims — the safer choice for most employers.
Real claims often include medical costs and sub-contracted workers — extend the cover to match your site.
For projects, insure every worker present — including sub-contract labour — so no one falls outside the policy.
We structure Workmen's Compensation to match your exact statutory duty — and manage the sensitive claims for you.
Employers carry a statutory liability for workplace injury or death under the Employees' Compensation Act. A WC policy funds that liability. We'll confirm exactly what applies to your business.
WC covers your legal liability as an employer, on the statutory scale. Group PA pays a fixed benefit to the employee regardless of fault. Many businesses sensibly carry both.
Mainly on the wages and number of employees, adjusted for the nature of the work (its risk). Accurate declarations keep your cover — and any claim — valid.
It can — with a contract-labour extension, sub-contracted workers on your site are covered. We recommend it for construction and project work.
Scheduled occupational diseases arising from the work are covered under the Act and the policy. We make sure the ones relevant to your industry are included.
Tell us about your workforce and we'll arrange compliant WC cover at a competitive premium.
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