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What we cover

Workers’ Compensation:
Taking care of your team

Workers’ Compensation Support

The Lowdown

In Australia, if you have employees, you need this—it’s the law. It ensures that if one of your team gets hurt or sick because of work, their medical bills and lost wages are covered. We help make the process painless.
Workers’ Compensation Support

What It Protects Against

Work-related injuries, illnesses,
and rehabilitation costs for your staff.

Who Needs It

Every industry with employees!

FAQs

I only have one casual employee. Do I still need this?

Yes. In most Australian states, if you pay anyone for work, you need Workers’ Comp. The rules vary slightly by state, but the penalties for not having it are huge.

Usually, no. As a business owner or sole trader, you aren’t often covered by Workers’ Comp. You might want to look into Personal Accident or Income Protection instead.

Proof that we’ve got your back.

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© 2026 Luma Insurance. All rights reserved.

Luma Insurance is a trading name of Brunswick Enterprises Pty Ltd. CAR No. 001315571 of General Insurance Brokers of Australia Pty Ltd (AFSL 342546).

Information on this website is factual and general advice only. It does not take into account your objectives, financial situation or needs. Before acting, you should consider whether it is appropriate in light of your circumstances and read the relevant Product Disclosure Statement (PDS).

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