Workers Compensation Insurance & WHS Solutions

Workers Compensation Insurance & WHS Solutions

At Coverforce, we understand that protecting your employees and managing workplace risks are essential for your business’s success. That’s why we combine expert Workers' Compensation Insurance services with proactive Workplace Health and Safety (WHS) solutions to deliver a comprehensive risk management strategy.

Workers Compensation Insurance

Accidents in the workplace can happen. As an employer, it’s your responsibility to ensure your workplace is safe and to have a Workers' Compensation policy that adequately covers your employees in case of injury or illness caused by work.

Workers' Compensation is a state-based insurance scheme that provides financial assistance to employees in the unfortunate event of a work-related injury or illness. Coverage generally includes:

• A percentage of injured workers' wages while they’re unable to work
• Compensation for lost earnings due to reduced working capacity
• Medical, hospital, and treatment costs related to work injuries
• Rehabilitation costs to help workers return to work
• Lump-sum payments for permanent impairment

Important Tips for Employers

• Maintain a safe workplace and an up-to-date Return-to-Work program to reduce claims impact.
• Consult with a qualified insurance broker to ensure your policy complies with state requirements and is set up correctly.
• Remember, penalties may apply for non-compliance with workers' compensation obligations.

Our specialist in-house claims team supports you and your workers through the claims management process, while our expert insurance brokers provide personalised advice to secure cost-effective coverage.

Workplace Services: Proactive Risk Management

Did you know that Workers' Compensation is often a business's largest insurance cost? Without effective management, premiums can rise quickly, impacting your bottom line. That’s where our Workplace Services team comes in.

By addressing Workplace Health and Safety (WHS) risks, you can actively reduce your Workers' Compensation premiums while reaping the benefits of a safer, more efficient workplace. A robust WHS program improves productivity, morale, and reputation while avoiding penalties and prosecution.

How we can help

Our Workplace Services team offers:

• Reviews of Workers' Compensation premiums, classifications, and claims
• Injury management and claims advice
• Development and implementation of recruitment policies and safe work processes
• Identification and mitigation of workplace risks and hazards
• Compliance gap analysis and closure
• Guidance on performance and behavioral frameworks through tailored policies

Exclusive Benefits for Coverforce Clients

At Coverforce, we believe in supporting our clients beyond just insurance coverage. That’s why we provide access to a range of free and discounted workplace services to help you effectively manage people-related risks and improve your business outcomes.

Free Services for Our Clients

As a valued Coverforce client, you gain access to essential workplace services at no additional cost, including:

• Initial advice for workplace injuries
• Assistance with workers' compensation claim lodgement
• Guidance on next steps and expectations
• Direct access to your injured worker's claim number and insurer contact details

Discounted Specialist Services

We also offer reduced fees on a range of tailored services designed to minimise workplace risks and costs:

• Comprehensive workers' compensation claim management
• Return-to-Work compliance support
• Workers' compensation premium reviews, appeals, audits, and program management
• Work Health and Safety (WHS) advice, policies, and procedural support
• Other tailored people-management solutions to suit your business needs