Statutory schemes

Residential building schemes

• QBCC home warranty scheme · QLD — Queensland statutory cover protecting homeowners where residential building work is defective or incomplete. The licensed contractor pays the premium to the regulator; it is not shopped on the open market.
• Home Building Compensation Fund (NSW) · NSW — New South Wales statutory last-resort cover for homeowners where a builder cannot complete or rectify residential work.
• Domestic Building Insurance (Victoria) · VIC — Victorian statutory cover for domestic building work, provided through the state insurer, protecting owners where a builder dies, disappears or becomes insolvent.
• Building Indemnity Insurance (South Australia) · SA — South Australian statutory indemnity cover required for residential building work above a published threshold.
• Home Indemnity Insurance (Western Australia) · WA — Western Australian statutory indemnity cover required before residential building work above a published threshold starts.

Workers compensation schemes

• Workers compensation (NSW) · NSW — The New South Wales workers compensation scheme, with the nominal insurer and specialised insurers underwriting employer policies.
• Workers compensation (Queensland) · QLD — The Queensland workers compensation scheme, underwritten by the state insurer with self-insurance available to large employers.
• WorkCover (Victoria) · VIC — The Victorian workers compensation scheme, administered by the state regulator through appointed agents.
• Workers compensation (Western Australia) · WA — The Western Australian workers compensation scheme, where cover is placed with approved private insurers under a regulated framework.
• Return to Work (South Australia) · SA — The South Australian work injury scheme, funded by employer levies and administered by the state corporation.
• Workers compensation (Tasmania) · TAS — The Tasmanian workers compensation scheme, where employers hold a policy with a licensed insurer.
• Workers compensation (ACT) · ACT — The Australian Capital Territory private-underwriter workers compensation scheme.
• Workers compensation (Northern Territory) · NT — The Northern Territory workers compensation scheme, placed with approved insurers.

Disclosure schemes

• Commercial Building Disclosure · AU — The Commonwealth scheme requiring a current Building Energy Efficiency Certificate before large office space is offered for sale, lease or sublease. It compels disclosure of an energy rating; nothing is covered by it and nobody holds it as insurance.

The two families of scheme

Residential building schemes protect the homeowner when building work is defective or not completed. The licensed contractor pays; the homeowner is the beneficiary. They are not a substitute for the contractor’s own cover.

Workers compensation schemes cover injury to workers. Each state and territory runs its own, with its own definition of who counts as a worker, its own premium basis and its own certificate process.

Why so many of these pages say "not verified"

Scheme thresholds, premium tables and certificate processes are exactly the figures that move. Each one on this site is a fact row pointing at the regulator publication that governs it, and none of them renders as a number until somebody has opened that publication and recorded what it says with its effective date.

The alternative — restating a threshold from memory and hoping it is current — is how a site becomes confidently wrong about a regulated topic.