Your team member has ongoing bullying complaints and workload pressure. They are diagnosed with a stress related condition and take time off. If the claim is accepted as a work injury under the Act, you may need to pay benefits under workers compensation.

If the condition is accepted as an injury under the Act and you are liable for benefits, workers compensation insurance may respond.

One of your workers drives the work ute between job sites during work hours and is involved in a crash. They are hurt and cannot return to work straight away. You notify the insurer and submit a claim under your workers compensation policy.

If the crash happened during work and you are liable under the Act, the workers compensation policy can respond to required payments.

A staff member mops the entry and puts out a sign, but a customer rushes in and the worker slips while cleaning up. They injure their knee and need time off and treatment. You lodge a workers compensation claim for an injury from employment.

If you are liable under the Act for a work injury, workers comp insurance may indemnify you for compensation payments (and approved costs).

Your employee lifts cartons in the storeroom and feels a sharp pain in their back. They see a doctor and cannot do their usual duties for a few weeks. You receive a notice of injury and a claim under the state workers compensation scheme.

If you must pay compensation and any settlement or another payment under the Act for a worker injury from employment, the policy can indemnify you.

A worker is injured and their partner claims you caused them financial loss and distress. The partner starts a damages claim against your business, even though they are not your employee. You try to lodge it under workers comp.

The policy excludes damages to a person other than the injured worker, unless the Act says that type of damages can be claimed.

A worker sues for damages after an injury and asks the court to award extra money to punish your business. You notify your insurer and expect the policy to cover the full payout, including the punitive part of the judgment.

Exemplary or punitive damages are excluded. If a court awards a punishment amount on top of damages, that extra part is not covered.

A worker is injured on the job in WA, then relocates overseas. They start legal action against your business in a foreign court for damages. You lodge it as a workers compensation claim, but the lawsuit is brought outside Australia.

The wording excludes damages claims brought against you outside Australia. It is designed to respond only when the claim is brought here.

You send a worker to New Zealand for a short job. They slip at a client site and get injured. You try to claim workers comp in WA, but the injury happened outside Australia and the claim is made under the WA policy.

This policy excludes damages claims for injuries that occur outside Australia, so it cannot respond to that overseas injury claim.