You must obtain workers' compensation insurance if you employ any workers in your business.
A worker is any person to whose service an industrial award or industrial agreement applies, and any person you have engaged to work for the purposes of your trade or business. This includes:
- full-time workers on a wage or salary
- part-time, casual and seasonal workers
- workers on commission
- piece workers
- working directors
- contractors and sub-contractors (in some circumstances)
- family members (in some circumstances).
You must obtain workers' compensation insurance from an approved external provider. However, in some circumstances it is possible to be a self-insurer.
