Insurables — Australian business risk, sourced and dated

Statutory scheme · Northern Territory · NT

Workers compensation (Northern Territory)

The Northern Territory workers compensation scheme, placed with approved insurers.

Data as at · refreshed by scripts/seed-graph.mjs

What the scheme requires

  • Who must insure: Workers compensation insurance is compulsory for every NT employer that is not a self-insurer: any business employing or hiring workers full time, part time or casually under an oral or written contract of service or apprenticeship must hold cover for all workers, under the Return to Work Act 1986. NT · effective 2026-08-13 NT WorkSafe · 2026-08-13
  • Premium basis: Only insurers approved by NT WorkSafe can sell workers compensation policies in the Territory. Premiums are market driven and set by individual insurers based on claims performance; brokers can negotiate with an insurer on the employer's behalf. NT · effective 2026-08-13 NT WorkSafe · 2026-08-13
  • Small employer exemption: No small-employer exemption is stated: cover is compulsory for every employer that is not a self-insurer. Company directors are covered only if disclosed to the insurer with their remuneration, and immediate family of individual or partnership owners only if disclosed when employment starts or at policy issue or renewal. NT · effective 2026-08-13 NT WorkSafe · 2026-08-13

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Who administers it

  • NT WorkSafe — The Northern Territory work health and safety and workers compensation 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