Workers compensation advice for Tasmanian employers.
Workers Compensation Insurance For Tasmanian Employers
Every Tasmanian employer needs a workers compensation policy. We help you get the right price, declare wages correctly and support your people when someone is hurt. Local Hobart advice, backed by the national McLardy McShane network.
- Local broker working with employers across Tasmania
- Access to the licensed workers compensation insurers in Tasmania
- We deal with insurers and case managers so you do not have to
Workers compensation for real Tasmanian businesses
Farms and agribusiness
Construction and trades
Hospitality and tourism
Medical and allied health
Retail and wholesale
Manufacturing and processing
Transport and logistics
Professional services
Clubs and community organisations
Common issues we find when reviewing workers compensation
Workers compensation is often renewed on autopilot. Small errors in classification, wages or contractor arrangements can cost thousands, or leave you exposed when a claim comes in. When we review policies, some patterns appear again and again.
Wrong industry classification
Your business coded to an industry with a higher rate than the work you actually do.
Wage estimates out of step
Wages estimated too low at renewal, leading to a large adjustment bill once actual wages are declared.
Contractors treated as outside the policy
Having an ABN does not decide whether someone is a worker. Some contractors are workers under the law and need to be covered.
Claims costs driving up premiums
Open or poorly managed claims that keep loading your premium year after year.
No return to work plan
No clear process for suitable duties, so injured workers stay off longer and claim costs grow.
How we help with workers compensation
Market comparison
We approach licensed insurers in Tasmania and compare price, service and claims handling, not just the premium.
Industry classification check
We confirm your business is classified correctly so you are not paying a rate meant for higher risk work.
Wage declarations
Help preparing estimated and actual wage declarations so there are no surprises at adjustment time.
Contractor and worker status
We help you work through which contractors and labour hire workers may need to be covered.
Claims lodgement and advocacy
We help you notify and lodge claims correctly and push for fair, timely decisions from the insurer.
Return to work support
Guidance on suitable duties and return to work plans, and access to rehabilitation providers through your insurer.
Premium reviews
We review your claims history with you each year and look for ways to bring your premium down over time.
Premium funding
Spread your premium over monthly instalments if paying in full at renewal is difficult.
Related covers
Management liability, personal accident and public liability to fill the gaps workers compensation does not cover.
Multi state employers
Coordination of cover if you also employ staff in other states, where different schemes apply.
Claims: where the real cost of workers compensation sits
Early notification
We help you report injuries and lodge claims promptly, which gives everyone the best chance of a good outcome.
Accurate risk profiling
We present your safety systems and training to insurers so you get fair pricing and appropriate cover.
Claims support
Active support from us through the claims process, including follow up with the insurer and case manager.
Most small and medium businesses do not have a dedicated HR or injury management team. We fill that gap so you can focus on running your business.
Simple three step process for your workers compensation
We make workers compensation straightforward for busy owners and managers, from the first review through to renewals and claims.
1
Policy review and fact find
We start with a short call and look at your current policy, industry classification, wages, contractors and claims history so we understand your full picture.2
Market approach and options
We go to appropriate insurers and underwriting agencies through the McLardy McShane network. You receive clear options that show sums insured, key inclusions and exclusions, excesses and pricing.3
Ongoing support and claims help
We stay in touch on renewals, changes and claims. When something goes wrong, you call us first. We help lodge and manage the claim and keep you updated.Local relationship, national strength
McLardy McShane Tasmania is your local brokerage partner in Hobart, backed by a national group that places hundreds of millions in premium with Australian insurers each year. That scale helps with market access and pricing, while you still deal with a local broker who understands Tasmanian employers.
- Local broker based in Sandy Bay, working with employers across Tasmania
- Access to the licensed workers compensation insurers in Tasmania
- Help with claims and renewals so you are not dealing with call centres
Workers compensation FAQs
If you employ workers in Tasmania, you generally must hold a workers compensation policy with an insurer licensed by WorkSafe Tasmania. Operating without one can lead to significant penalties and leave you personally liable for claim costs.
There is no single fixed formula. Insurers look at your industry, the size of your wage roll, your claims history and their own experience. That is why premiums for the same business can differ between insurers, and why a broker comparison is worthwhile.
Possibly. Having an ABN does not by itself decide whether someone is a worker. How much you direct their work, how they are paid and whether you supply tools and materials all matter. We help you work through each arrangement.
You declare your actual wages and the insurer adjusts the premium. If wages were underestimated at renewal you will receive an additional bill, so getting the estimate right matters.
Make sure they get medical treatment, report the injury and notify your insurer promptly. Serious incidents must also be reported to WorkSafe Tasmania immediately. Call us and we will help you through each step.
Yes. In many cases we can act as your broker with your current insurer and improve the structure and service, rather than changing insurers straight away.
Usually your current policy schedule, your latest wage declaration, a description of what your business does, details of any contractors and your claims history for the last few years.
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McLardy McShane Tasmania
General advice only. Before acting on this information you should consider whether it is appropriate to your objectives, financial situation and needs, and read any relevant Product Disclosure Statement.
