Workers’ Compensation Insurance in WA: Protecting Your People and Your Business

Key Takeaways

• Workers’ Compensation Insurance in WA is more than a legal requirement, it safeguards your employees and your business.

• The right cover ensures compliance with WorkCover WA, reduces risks, and supports staff morale.

• Partnering with an experienced insurance broker like Fortuna Advisory makes it easier to tailor cover, manage claims, and keep costs under control.

Why Workers’ Compensation Insurance Matters

Fortuna Insurance knows that running a business in Western Australia means taking care of more than just the bottom line. Your employees are at the heart of everything you do and ensuring their safety and wellbeing is essential.

Accidents and workplace injuries can happen in any industry, which is why Workers’ Compensation Insurance is critical.

This insurance provides financial protection for both employers and employees.

If someone is injured at work, it covers medical expenses, wage replacement, and rehabilitation.

For business owners, it minimises financial exposure, reduces legal risks, and helps maintain a safe and supportive workplace culture.

It’s about compliance, care, and confidence.

Workers’ Compensation Insurance WA: What You Need to Know

In WA, all employers are legally required to hold workers’ compensation cover under the Workers’ Compensation and Injury Management Act 1981, overseen by WorkCover WA.

A policy will typically cover:

• Medical expenses & rehabilitation for workplace injuries

• Income replacement if an employee can’t work

• Support for permanent impairment or disability

• Death and funeral benefits for dependents

• Return-to-work programs to help employees back into safe duties

Understanding your obligations and ensuring the right level of cover is essential  as it not only to avoid penalties but also to protect your people.

The Benefits Beyond Compliance

Many business owners see workers’ compensation as a “tick-the-box” requirement.

But when done right, it offers far more:

• Risk mitigation: shields your business from costly claims.

• Employee trust: shows staff they’re valued and protected.

• Stronger safety culture: proactive injury management reduces incidents.

• Premium management: brokers can help keep premiums fair through claims support and negotiation.

• Reputation: businesses that look after their people attract and retain top talent.

Common Mistakes to Avoid

• Delaying incident reporting → increases disputes and costs.

• Underinsuring casuals or contractors → leaves gaps in cover.

• Choosing based on lowest premium → may lead to exclusions or poor claims service.

• Neglecting safety training → more claims, higher premiums.

A proactive approach with expert support prevents these issues and keeps your business compliant and competitive.

Why Choose Fortuna Insurance?

At Fortuna Insurance, our experienced team of insurance brokers in Perth specialise in tailoring workers’ compensation solutions for WA businesses. We help you:

• Stay compliant with WorkCover WA obligations

• Get the best policy for your workforce and industry

• Streamline claims management and disputes

• Build risk-management strategies that lower premiums over time

• Create safer workplaces that support employees and business growth

We don’t just sell policies, we partner with you to protect your most valuable asset: your people.

Next Steps

1. Review your current workers’ compensation policy for gaps.

2. Assess your workforce risks (casuals, contractors, high-risk tasks).

3. Strengthen safety systems and reporting to reduce claims.

4. Speak with Fortuna Advisory to compare options and get tailored cover.

Workers’ Compensation Insurance in WA isn’t just about meeting your legal obligations, it’s about protecting your people, building trust, and safeguarding your business.

With the right broker on your side, you can turn compliance into confidence.

Ready to review your policy?

Contact Fortuna Insurance today to discuss the best workers’ compensation cover for your business.

 Disclaimer: This blog is intended for general information purposes only. It does not take into account your specific needs or circumstances. For personalised advice, please speak directly to one of our qualified insurance professionals at Fortuna Insurance.