Every state and territory in Australia

For workers' compensation insurance

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The difference between states is confusing and dangerous.

A small business (perhaps one that is growing) that does some work in another jurisdiction is confronted with a myriad of problems when trying to get workers compensation cover and understanding the different rules between state and territories. A business could easily make a mistake and not be covered. Larger businesses will need a special team to manage the complexity.

Here is an example of the complexity and the confusing situation businesses need to manage.

Rules related to travel to work and between workplaces

A journey claim can include journeys between:

  • A worker’s home and workplace;

  • A worker’s workplace and a place of trade or training which is required to attend for work; 

  • A worker’s workplace and a medical or rehabilitation appointment; or 

  • A worker’s employment with one employer and employment with another employer.

an injury sustained while on a “journey” may not be covered if:

  • A worker’s were driving while intoxicated or recklessly;

  • The accident was caused because you broke road rules;

  • A worker’s started your journey after a significant delay or deviation from your normal route; or

  • A worker’s have not left the boundaries of your home.

As clear as mud.