GIO Workers Compensation Insurance
GIO has been helping employers understand their Workers Compensation Insurance since 1927.
Access training and support
GIO offers a range of training courses and webinars designed to improve workplace health and safety.
Trusted Claims Specialists
Our claim’s expertise supports your business and employees.
How can we help?
Make a Workers Compensation claim
As an employer, it’s your responsibility to help an injured worker seek first aid or medical treatment immediately for any work-related injury or illness. You’ll then need to fill out some forms to lodge a claim.
Workers Compensation is compulsory for most employers in Australia.
In ACT, employers must have insurance for anyone defined as a worker.
- Your worker’s wages if they suffer a work-related injury or illness and are unable to work.
- Medical expenses, treatment and rehabilitation costs.
All your workers. Generally includes anyone receiving a wage or commission payment, including casuals and temporary employees, apprentices, trainees and some contractors.
What is Workers Compensation insurance?
People also ask
ACT FAQ section
How are Workers Compensation premiums calculated?
We’ll use the wage information given in your ACT Declaration of Estimated Wages to calculate your premium.
Additional factors taken into consideration when calculating GIO Workers Compensation Insurance premiums include:
- industry type
- cost of previous workers compensation claims associated with the business
- claims history
- applicable government charges.
At the term expiry, your premium will be adjusted based on the information provided in your ACT Actual Wages Declaration Form . If your actual wages are lower than your estimated wages for the policy period, you may be entitled to a refund for that portion of the premium. If your actual wages are higher than your estimated wages, you’ll need to pay the extra premium.
What is a common law claim?
A common law claim is a claim for damages in which it’s necessary for the worker to prove 'fault' in the form of negligence or breach of statutory duty on the part of the employer. A Workers Compensation policy will often also cover liability for any work related 'common law' claims by employees. The extent to which a worker may bring a common law claim varies from state to state or territory.
What is the difference between a ‘recurrence’ and an ‘aggravation’ of an injury?
A "recurrence" is when the symptoms of a previous injury recur spontaneously, without any external cause. This would result in the "old" claim being reopened. An "aggravation" is when symptoms of a pre-existing injury are increased by a new and definable event.