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 12,
58 Mounts Bay Road
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

 

 

 

 

 

Specialised insurer

A specialised insurer is licensed to provide workers compensation insurance to a particular industry or class of business/employer approved by WorkCover WA.

Interested in becoming a licenced insurer?

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.

Claims Managers Capability Framework

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.

Claims Managers Capability Framework

Clinical Framework

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.

Standard workers compensation insurance policy

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.

WA's National Insurer Data Specification

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

WorkCover WA Online is a login-based platform that enables insurers and self-insurers to:

If you have any queries relating to WorkCover WA Online, visit WorkCover WA Online FAQs or contact us

Premium rates data - Insurers

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:

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.
Premium and/or industry classification review

All applications for review are processed in line with WorkCover WA’s Premium and Industry Classifications Review Guidelines.

Calculating the Weekly Rate of Income Compensation

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.

Bulletins

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.

Workers Compensation and Working Directors
For more information on how working directors are covered under the Act, refer to the ‘Working Directors’ page.

Go to Working Directors.

Labour Hire Employers
For more information on coverage, insurance and injury management obligations of labour hire employers, refer to the Labour Hire Employers page.

Go to Labour Hire Employers.

Workplace Fatalities Release of employer's insurer status

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.

Silicosis claims

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.