Insurance obligations as a business owner

We offer a wide range of insurance to protect your assets but, whatever business you’re in, you need to cover the basics. For many businesses that means Workers Compensation and Compulsory Third Party insurance.

Workers Compensation

In most cases, as an employer you must take out Workers Compensation insurance. If one of your people is injured or becomes sick in the course of their job it compensates them for lost earnings, medical expenses and rehabilitation costs. All of which helps them recover and get back to work.

Workers Compensation works differently across Australia’s states and territories. Check your state to find out more, and whether we can cover your business.

We also provide access to a national network of Workers Compensation experts, comprehensive training programs, risk management advice and self-insurance services to help your people and business thrive.

Compulsory Third Party (CTP)

If you operate business vehicles, they must be covered by CTP insurance. If you, or one of your people, causes an accident in which someone else is injured, it’ll cover the cost of their compensation claim.

We provide competitive CTP insurance to businesses across New South Wales, Queensland and South Australia. Getting cover is easy, whether it’s for a single vehicle or a large fleet.

While CTP covers your legal obligations, it doesn’t cover the cost of damage to other people’s vehicles or property, or your vehicles, if the accident is your fault. For that you'll need Commercial Motor insurance.

Additional cover

Once you’ve covered your legal obligations, what other insurances should you consider? We provide broad cover, such as Injury and Illness , Business Liability and Property insurance and specialist protection for industries such as farming, construction and aviation. To find out what we can do for you, see our range of business insurance or contact us.