What It Covers – And What It May Not!
Many Tasmanian business owners assume they’re covered for everything once they take out a policy.
But at RSM Tasmania General Insurance Brokers, we know that the reality is more complex — and understanding the details of Workers Compensation Insurance Tasmania could save you major financial pain down the track.
Let’s break it down clearly.
What Is Usually Covered?
In most cases, your workers compensation policy will cover:
- Medical expenses from work-related injuries
- Weekly wage replacement while the worker is off
- Rehabilitation services
- Lump sum payments for permanent impairment
- Return to Work support
That’s the standard. But not everything falls under this umbrella.
What’s Not Always Covered?
Here are some common scenarios that may not be covered:
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- Travel to and from work (journey claims are limited in Tasmania)
- Pre-existing conditions aggravated at work
- Stress-related or psychological injuries without a clear work-related cause
- Independent contractors who aren’t properly classified
- Injuries from misconduct or unsafe behaviour
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📄 Download the Workers Compensation Claim Form (PDF)
Fill it out and provide it to your employer along with a Workers Compensation Certificate of Capacity from your doctor.
When Did You Last Review Your Policy?
If you’ve had the same policy for years, it may no longer suit your business. Staff roles may have changed. Risk levels may have increased. Or new compliance regulations may have kicked in.
A regular policy review ensures you’re covered for what’s really happening in your business, not what it looked like five years ago.
Need a Refresher on Your Legal Obligations?
Before diving into policy reviews, it’s important to be across your employer responsibilities.
👉 Read our linked article here on the wcomptas.com.au site:
Workers Compensation Responsibilities
It’s a simple, helpful breakdown of everything the law expects of you.
In Summary
Don’t assume full coverage — it’s always worth confirming exactly what your Workers Compensation Insurance Tasmania policy includes (and excludes). Knowing the facts helps you avoid nasty surprises when something goes wrong.
Not sure where you stand?
Get in touch with our experienced brokers at RSM Tasmania for a free policy health check or quote review.
Remember, this article is general in nature and doesn’t take into account your specific objectives, financial situation, or needs. For advice tailored to your circumstances, have a chat with us at RSM Tasmania Insurance Brokers Hobart.
Talk to Roger Hosie and stay ahead with RSM Tasmania’s insights.
Call Now! (03) 6244 7854, or email
