Do your employees face danger every day and do you have a Workers Compensation policy?

Do your employees face danger every day and do you have a Workers Compensation policy?

Most jobs have some element of risk, whether it’s a slip and fall in the office, forklift incident in the warehouse, muscle strain, cuts or burns in the kitchen, they can happen. So what are highly dangerous jobs? And is your Workers Compensation policy adequate to cover your employees. 

Dangerous occupations in Australia

Safe Work Australia in their Key Work Health and Safety Statistics Report for 2017 found that the top 5 dangerous occupations belonged to machinery operators and drivers (8.2 fatalities per 100,000 workers), followed by labourers (3.4 fatalities per 100,000 workers), managers (1.6 fatalities per 100,000 workers) and professionals (0.5 fatalities per 100,000 workers).

Dangerous industries in Australia

The top 5 dangerous industries in Australia are: 

  1. Agriculture, forestry and fishing (14.0 fatalities per 100,000 workers).
  2. Transport, postal and warehousing (7.5 fatalities per 100,000 workers).
  3. Electricity, gas, water and waste services (5.8 fatalities per 100,000 workers).
  4. Construction (3.3 fatalities per 100,000 workers).
  5. Mining (2.7 fatalities per 100,000 workers).

Workers compensation insurance

There are occupations and industries that have higher risk of work incidents and/or fatalities. Regardless of these statistics, it is compulsory within Australia for employers to provide Workers Compensation Insurance for all their employees, regardless of industry. 

Whether part-time, full-time or casual employees, everyone can expect to receive a range of benefits and frequently financial compensation, if they suffer an injury or contract a disease due to their employment. These benefits can include weekly payments, as well as hospital and medical expenses, and rehabilitation services. 

Workers compensation policies and premiums can differ between States and also providers, so it makes good business sense to obtain expert insurance advice when making your decision. 

Lewis Insurance Services is here to help our clients with advice on your Workers Compensation Insurance.  To discuss further, please contact Lewis Insurance Services on 07 3217 9015 or send us an email by clicking here.

This article was published by our AFSL Licensee, Insurance Advisernet Australia P/L (15/04/2019)

Disclaimer:
This information and any accompanying material does not consider your personal circumstances as it is of a general nature only. You should not act on the information provided without first obtaining professional financial advice specific to your circumstances and considering the Product Disclosure Statement.

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