Question 1

When you need to cover contractors

Accepted Answer

The difference between an employee and a contractor Some contractors may still count as workers.   Use our worker determination tests to help you work out whether someone is a worker or a contractor. Declaring wages for contractors At policy renewal time, you need to declare the wages of any contractor who meets the definition of a worker. Find out more on our Policy renewal and declaring wages page. For extra support See our Worker determination tests page. Read the Australian Taxation Office’s (ATO’s) Employee or independent contractor webpage.

Question 2

When you need to cover interstate or overseas workers

Accepted Answer

Your responsibility depends on where the worker is based and where their work connects to.   There are tests you can do to work out: if you need to cover them in Queensland if you need to cover them elsewhere (such as another State) if you need to cover them at all. Visit our cover for interstate and overseas workers page for guidance.

Question 3

Covering apprentices

Accepted Answer

Apprentices count as workers. They need to be covered under your policy. Apprentice discount If your business employs apprentices, you may qualify for a discount on your premium.   You still need to declare apprentice wages, but we won’t include them when we work out your premium. Submit your wage declaration by 31 August to get the discount. Learn more on our reducing your premium page under ‘Apprentice discount’.

Question 4

Covering unpaid interns

Accepted Answer

Unpaid interns count as workers. They need to be covered under your policy. Impact on premiums You need to tell us how many unpaid interns you engage. There is no premium charge for unpaid interns, but their claims costs will still count towards your premium. Who is an unpaid intern? Someone who works without pay to gain experience or complete a qualification. They would be a worker if they were paid for the work. Who is not an unpaid intern? paid interns (they are covered as workers) any person who is a: volunteers with non-profit, religious, charitable or benevolent organisations school or university students on work experience vocational placement students through a registered training organisation a person providing unpaid help as a favour.

Question 5

Covering Directors and Officers

Accepted Answer

Some people don’t count as workers and aren’t covered under accident insurance: sole traders partners in a partnership directors of a company trustees employed by a trust. If you fall under one of these groups, you can choose to take out workplace personal injury insurance . It’s optional but can give you peace of mind.

Question 6

Covering volunteers

Accepted Answer

You don’t have to cover volunteers, but some organisations can choose to take out a limited policy to cover them. Go to our choosing the right insurance page for more details. School association volunteers Volunteers with a school or school association aren’t covered by the school’s accident insurance. You may wish to take out a separate insurance policy to cover them.

Question 7

Covering work experience or vocational placement students

Accepted Answer

You don’t need to have insurance for work experience or vocational placement students, but they can be covered under a Work Experience and Vocational Placement policy.   This policy covers death or permanent impairment only. This is available to: private secondary schools registered training organisations. It’s not needed for the following schools, as they already have organisation-level cover: state secondary schools Catholic private secondary schools independent secondary schools that are members of Independent Schools Queensland. Go to our choosing the right insurance page for more details.

Who your policy needs to cover

Support for when life gets tough

Who you need to cover

Who is a worker?

What is a contract of service?

Working out who is a worker

Who else you should cover