Workers compensation obligations and employer liability arrangements depend on the Australian jurisdiction and employment circumstances.
The distinction that matters
An overseas employers liability product description should not be treated as a substitute for a required local workers compensation policy.
What to check
- Identify the state scheme.
- Confirm employee and contractor treatment.
- Discuss interstate work and liability extensions.
Example to discuss
A business hiring its first interstate worker checks both states’ rules rather than assuming its public liability policy covers workplace injury.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.