Workers' Compensation by state: what NDIS small providers need to know
The day you take on your first employee as an NDIS provider, Workers' Compensation insurance stops being optional. It's a legal requirement in every state and territory, separate from each worker's own NDIS Worker Screening Check, and separate from your public liability or professional indemnity cover.
Unlike Worker Screening, which is at least a nationally consistent NDIS requirement, Workers' Compensation is a state and territory scheme with its own regulator, its own premium model, and in some states its own government insurer. There's no single national portal - where you register depends entirely on where your business operates.
Administered by icare, regulated by SIRA. NSW's scheme is in the middle of its biggest reform in over a decade through 2026.
Full New South Wales details →WorkCover Queensland is both the regulator and the main underwriter for most small employers.
Full Queensland details →WorkCover WA regulates the scheme; cover is purchased from a licensed private insurer.
Full Western Australia details →ReturnToWorkSA combines the insurer and regulator roles.
Full South Australia details →WorkSafe Tasmania regulates; cover is purchased from a licensed private insurer.
Full Tasmania details →WorkSafe ACT (part of Access Canberra) regulates a private insurer model.
Full Australian Capital Territory details →Premiums, thresholds and processes change - always confirm the current requirements directly with your state or territory's scheme before taking on staff. This article is general information, not professional or legal advice.
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