It’s compulsory for all employers in NSW, unless you are considered an ‘exempt employer’.


If you don’t have one, your business may be fined or penalised up to $55,000 and/or six months’ imprisonment.


Exempt employers

As an employer, you’re not required to get an insurance policy if:

  • you pay $7,500 or less in annual wages and
  • you don't employ an apprentice or trainee and
  • you’re not a member of a group for premium purposes.


Even if you are exempt, you still have the obligation to provide assistance with injury management and return to work. This includes notifying icare workers insurance on 13 44 22of any workplace injuries.


Any claim against an exempt employer incurs a $175 administration fee. The claim will be assigned to EML. The same administration fee applies to each injury notified.


If your conditions change in a way that affects your obligations (for example, your annual wages bill has grown larger than $7,500), you must contact icare immediately and take out a workers insurance policy.


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