You must obtain workers compensation insurance if you employ any workers in your business. Workers include:
- 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.
