Insurers are integral to the workers compensation system in Western Australia. They assess claims made by workers and indemnify employers against compensation for claims.
Insurers have a range of obligations and requirements to perform as part of their licence conditions.
This section outlines the insurer licensing framework and contains the full list of licensed insurers and available resources.
List of licenced insurers| Insurer Name | Address | Phone No |
|---|---|---|
| ALLIANZ AUSTRALIA INSURANCE LTD | Level 12, 905 Hay Street PERTH WA 6000 |
1300 130 664
Or 13 10 00 |
| AAI LIMITED T/AS GIO | Level 13, 250 St Georges Tce PERTH WA 6000 |
(08) 9320 3600 or 13 10 10 |
| GUILD INSURANCE LTD | Level 6, 5 Mill Street PERTH WA 6000 |
1800 810 213 or
(08) 9368 8600 |
| INSURANCE AUST. LTD T/AS CGU WORKERS COMPENSATION |
Level 2, 46 Colin St WEST PERTH WA 6005 |
1300 307 952 |
| INSURANCE AUST. LTD T/AS WFI | Level 2, 46 Colin St WEST PERTH WA 6005 |
1300 934 934 |
| QBE INSURANCE AUSTRALIA LTD | Level 18, 200 St Georges Tce PERTH GPO WA 6000 |
13 37 23 or
(08) 9213 6100 |
| ZURICH AUSTRALIAN INSURANCE LTD | Level 2, 58 Kings Park Rd WEST PERTH WA 6005 |
13 26 87 |
| Specialised Insurer | ||
| INSURANCE COMMISSION OF WA
Licensed to provide workers compensation insurance to public authorities. |
13th Floor, The Forrest Centre, 221 St Georges Terrace PERTH WA 6005 |
(08) 9264 3333 |
A specialised insurer is licensed to provide workers compensation insurance to a particular industry or class of business/employer approved by WorkCover WA.
The Application for Insurer Licence Guidelines outlines the criteria and operational conditions of an insurer licence, and the circumstances in which a licence may be suspended or cancelled. Prospective applicants should read these guidelines and contact WorkCover WA to discuss their intentions prior to submitting an application.
To apply for a licence, complete and submit the Insurer Licence Application Form or Specialised Insurer Licence Application Form.
Performance monitoring
Performance of insurers and specialised insurers is actively monitored and evaluated against the Insurer and Self-insurer Principles and Standards of Practice.
Surrender of Licence
An insurer may apply to cancel the licence, known as ‘surrender of licence’.
Insurers seeking to surrender the licence must contact WorkCover WA to discuss their intentions and submit the required information outlined in the Application for Insurer Licence Guidelines.
The Claims Managers Capability Framework sets out the practices, skills and behaviours expected of claims managers in the Western Australia workers compensation scheme.
The Capability Framework translates the Insurer and Self-insurer Principles and Standards of Practice into observable practices and behaviours which claims managers should demonstrate when delivering scheme services.
WorkCover WA endorses the use of the Clinical Framework for the Delivery of Health Services by WA medical and allied health practitioners.
Insurers have a key role in monitoring and making decisions about injury management services. We encourage use of the Clinical Framework to inform collaboration between insurers and service providers in the treatment of injured workers.
See the Clinical Framework page for further information.
All insurers are required to issue workers compensation policies in the form set out in schedule 3 of the Workers Compensation and Injury Management Regulations 2024.
Data directions under section 500 of the Workers Compensation and Injury Management Act 2023 requires data and information relating to workers compensation policies and claims to be provided to WorkCover WA in the form, manner, and by any timeframes specified in WorkCover WA’s National Insurer Data Specification Guidelines.
WorkCover WA Online is a login-based platform that enables insurers and self-insurers to:
- Search and request WorkCover Number (WCN)
- Submit National Insurer Data Specification (NIDS) data
- Submit premium rates data
- Manage liability notices
- Manage policy cancellation requests
- Download NIDS reference codes (e.g. service fees and codes, issues documentation).
If you have any queries relating to WorkCover WA Online, visit WorkCover WA Online FAQs or contact us.
WorkCover WA collects data periodically to monitor scheme performance and to set recommended premium rates. Premium rates data is collected through:
- Form WC12 – Statement of policies, premium, wages and claims
- Form WC20 Mid Financial Year – Summary of cost of claims from July to December
- Form WC20 Full Financial Year – Summary of cost of claims from July to June
- Form WC30 – Statement of premiums and expenses associated with the writing of workers compensation business
All Forms are to be submitted via WorkCover WA Online.
Guidelines
- Premium rates data – Guidelines
This document describes data required by WorkCover WA of insurers to set recommended premium rates and monitor scheme performance. Licensed insurers are required to provide data as specified in this document.
Templates
Templates for reporting premium rates data are as follows:
- Form WC12 TEMPLATE
Template for reporting Form WC12 – Statement of policies, premium, wages and claims. - Form WC20 Mid Financial Year TEMPLATE
Template for reporting Form WC20 Mid Financial Year – Summary of cost of claims from July to December. - Form WC20 Full Financial Year TEMPLATE
Template for reporting Form WC20 Full Financial Year – Summary of cost of claims from July to June. - Form WC30 TEMPLATE
Template for reporting Form WC30 – Statement of premiums and expenses associated with the writing of workers compensation business.
Sample data
Sample data to show how to complete the templates are as follows:
- Form WC12 SAMPLE
Sample data to show how to complete Form WC12 – Statement of policies, premium, wages and claims. - Form WC20 Mid Financial Year SAMPLE
Sample data to show how to complete Form WC20 Mid Financial Year – Summary of cost of claims from July to December. - Form WC20 Full Financial Year SAMPLE
Sample data to show how to complete Form WC20 Full Financial Year – Summary of cost of claims from July to June. - Form WC30 SAMPLE
Sample data to show how to complete Form WC30 – Statement of premiums and expenses associated with the writing of workers compensation business.
All applications for review are processed in line with WorkCover WA’s Premium and Industry Classifications Review Guidelines.
The Calculating the Weekly Rate of Income Compensation Explanatory Guide provides practical information to workers, employers and claims officers involved in calculating a worker’s pre-injury earnings and the correct amount of income compensation to pay.
WorkCover WA issued Bulletins for insurers under the Workers Compensation and Injury Management Act 1981, to provide information about WorkCover administrative requirements and to clarify legislative matters.
These Bulletins are currently under review in consideration of the Workers Compensation and Injury Management Act 2023.
Go to Bulletins.
Go to Working Directors.
Go to Labour Hire Employers.
To assist insurers and self-insurers manage workplace fatality matters, WorkCover WA has developed the Compensation for Workplace Fatality – Guidelines for Insurers/Self-Insurers.
Forms and Notices
Please refer to WorkCover WA’s External Release of Information Policy located on the Request Access to Information page for accessing information regarding an Employer’s Insurance Status.
Research has found workers in the engineered stone benchtop industry can be exposed to levels of respirable crystalline silica which are hazardous to their health.
Go to Dust disease claims.
The Insurer and Self-Insurer Compliance Policy outlines our approach to regulating insurer compliance with legislative requirements.
