Insurables — Australian business risk, sourced and dated

Statutory scheme · Australian Capital Territory · ACT

Workers compensation (ACT)

The Australian Capital Territory private-underwriter workers compensation scheme.

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What the scheme requires

  • Who must insure: An ACT employer must hold a workers compensation policy to cover its workers and display the insurer's return to work program. Employers without a current policy face a $7,500 on-the-spot fine and up to double the avoided premiums, as determined by WorkSafe ACT. ACT · effective 2026-08-13 WorkSafe ACT · 2026-08-13
  • Premium basis: The ACT private sector scheme is privately underwritten: policies come from insurers licensed under the Workers Compensation Act 1951 (Allianz, Guild, QBE, CGU and GIO are listed), which set premiums when quoting. WorkSafe ACT licenses insurers and does not provide insurance itself. ACT · effective 2026-08-13 WorkSafe ACT · 2026-08-13
  • Small employer exemption: No small-employer exemption is stated: an ACT employer must hold a policy to cover its workers, and the only stated alternative is applying to become a licensed self-insurer — a path used by large employers such as Coles Group and Westpac. ACT · effective 2026-08-13 WorkSafe ACT · 2026-08-13

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Who administers it

  • WorkSafe ACT — The Australian Capital Territory work health and safety regulator.

The cover this scheme deals with

  • Workers compensation insurance — Statutory cover for injury to workers, arranged through each state or territory scheme rather than on the open market.

What this scheme does not do

Scheme cover and a business’s own insurance answer different questions. A workers compensation scheme responds to injury and illness suffered by a business’s own workers; it does not cover injury to members of the public, damage the business causes to someone else’s property, or the business’s own assets.

Sources