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 Reportfor 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. 

To decide which type of Workers Compensation Insurance is suitable for your business, talk to an insurance specialist today.

FIND YOUR LOCAL ADVISER

 

General Advice Warning

The information provided is to be regarded as general advice. Whilst we may have collected risk information, your personal objectives, needs or financial situations were not taken into account when preparing this information. We recommend that you consider the suitability of this general advice, in respect of your objectives, financial situation and needs before acting on it. You should obtain and consider the relevant product disclosure statement before making any decision to purchase this financial product.

Insurance Advisernet , April 15 2019

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