Workers Compensation insurance covers the workers you engage, not you personally. If you’re self-employed or operate as a sole trader with no workers, you are not legally required to have workers compensation insurance for yourself, as you’re not considered a ‘worker’ under law. However, if you hire workers you are legally required to obtain workers compensation to cover them.

To cover your own potential work-related injuries or illness, you may wish to seek professional advice regarding your requirements. If you’re looking for income protection insurance, GIO does not offer this type of insurance; however, you can check out AAMI Income Protection Insurance, another brand within the Suncorp Group. For more details, visit the AAMI website.