If you're an employer in Western Australia, you’re legally required to hold Workers’ Compensation Insurance to protect your employees from injury or illness that occurs as a result of their employment. In WA, “remuneration” includes any form of payment or allowance made to or on behalf of a worker, whether it’s cash, non-cash or in-kind benefit.

Whether you're a contractor signing on to a new project, a business leasing a premises, or a supplier entering into a service agreement — chances are your contract includes insurance requirements you’re expected to meet. If you don’t read the fine print closely, or if your policies don’t align with the terms, you could be: in breach of contract, exposed to uninsured liability, or worse — have a claim denied or be dropped from a project.

Workers compensation insurance isn't just another business expense—it's essential legal protection for both you and your employees. In Western Australia, if you employ anyone – whether full-time, part-time, or casual – you are legally required to maintain a current workers compensation insurance policy. This requirement applies from the moment you hire your first employee, regardless of the size of your business or industry.

Market stalls present unique liability exposures: Physical Injuries such as tripping hazards or unstable structures. Product Liability if your product causes illness, allergies or injury. Property Damage if your equipment damages the venue or other property. Food vendors also face additional risks related to foodborne illness and contamination. Public liability insurance can cover legal costs, compensation, medical expenses, product liability and property damage.

Direct insurers sell insurance straight to customers, without using brokers or intermediaries. They generally operate online or through call centres and offer standardised, off-the-shelf policies. Because direct insurers don’t use brokers, they save money on broker commissions, fees for tailored advice, relationship management and claims support. To keep premiums low, direct insurers simplify their products and reduce how much risk they cover meaning you may not be fully cove