Sets statutory rules for calculating workers’ compensation insurance premiums for policies effective between 4 pm 30 June 1991 and 4 pm 30 June 1992. It prescribes industry tariff rates, wage definitions, formulas for basic premiums and experience adjustments, excess surcharges, minimums, post-period adjustments and a limited reduction for hiring injured or long‑term unemployed workers. Employers pay the premiums; insurers compute amounts (with insurer estimates and WorkCover Authority determinations) and administrative returns/applications affect eligibility.
This Order (Schedules 1-A as provided) sets the mechanics for calculating, applying and adjusting workers compensation insurance premiums for employers for a single specified period and transitional circumstances. It establishes:
a structured definition set and administrative rules for determining wages and other inputs (Schedule 1, cl 1-2);
the temporal scope of application (Schedule 2, cl 1-2), namely policies that take effect on or after 4 pm on 30 June 1991 and before 4 pm on 30 June 1992, with an automatic interim application if no later order is made before 4 pm on 30 June 1992;
the method for computing the basic tariff premium T by reference to wages apportioned across industry classifications and the percentage rates in Table A (Schedule 3, cl 1-2, and Table A);
modulation of that basic tariff by an experience adjustment factor S (Schedule 4), an experience premium E (Schedule 5), and an excess surcharge factor X (Schedule 6);
minimum premium floors for category B employers where no deductible agreement exists (Schedule 7);
post-period reconciliation timings and obligations (Schedule 8);
a narrowly framed premium reduction for employers who hire certain previously injured or long-term unemployed workers in a specified hiring window (Schedule 9);
administrative roles for insurers and the WorkCover Authority in making estimates, determinations and recommendations (Schedules 1, 3, 4, 5).
Mechanically, the Order prescribes formulae (some shown as referenced images in the source) that produce a basic tariff premium T from wages allocated to classification rate(s) in Table A, then adjusts T by S, E and X where applicable and enforces minimums and reconciliations. The Governor, on recommendation of the WorkCover Authority, may fix numeric constants (for example F32-F34 used in Schedule 5) and must publish those notices in the Gazette (Schedule 5(1)). The Order cross-refers to the Workers Compensation Act 1987 (the Act) and associated regulations for definitions (for example wages, s 174(9) of the Act), exemptions and funds (for example Premiums Adjustment Fund under s 208 of the Act), embedding the premium regime within that statutory framework.
Current sections
Direct links to the current provisions in Insurance Premiums Order (1991–92).
22
Schedule 1
Interpretation
Schedule 1 Interpretation
Schedule 1 Interpretation
1
Definitions
1 Definitions
1 Definitions
(1) In this Order:
basic tariff premium, in relation to a policy, means the basic tariff premium for the policy calculated in accordance with Schedule 3.
category A employer, in relation to a policy, means an employer whose basic tariff premium for the policy at the time at which the insurer first demands a premium for the policy would exceed $2,000, assuming the period of insurance to which the premium relates to be 12 months (whether or not that period of insurance is in fact 12 months).
category B employer means an employer, other than a category A employer.
claim means a claim made by a person against an employer to which a policy relates.
dust diseases contribution, in relation to an employer, means an amount equivalent to the contributions, if any, payable by an insurer in respect of the employer to the Workers’ Compensation (Dust Diseases) Fund and the Dust Diseases Reserve Fund.
employer includes a person who proposes to become an employer.
insurer means a licensed insurer, or a former licensed insurer, within the meaning of the Act.
period of insurance, in relation to a policy, means a period for which an insurer assumes risk under the policy, being a period which commences on the first day on which the policy is in force after having been issued or renewed.
policy or policy of insurance means a policy of insurance within the meaning of the Act.
premiums adjustment contribution, in relation to an employer, means an amount equivalent to such part of the contributions, if any, payable by an insurer to the Premiums Adjustment Fund under section 208 of the Act as relates to the premium payable by the employer to the insurer.
wages means wages as defined in section 174 (9) of the Act.
(2) The value of any amount of money calculated or included in a calculation under this Order is to be expressed in dollars.
(3) In this Order, a reference to wages which are payable by an employer includes a reference to wages which have been paid by the employer.
2
Determination of wages
2 Determination of wages
2 Determination of wages
In this Order, a reference to wages, in relation to a period of insurance under a policy issued or to be issued to an employer or in relation to a period of 12 months ascertained by reference to any such period of insurance, is a reference:
(a) except as provided by paragraph (b), to a reasonable estimate of the monetary value of all wages payable to workers by the employer in respect of the period of insurance or the period of 12 months, as the case may be:
(i) as calculated by the insurer by reference to the returns, if any, furnished in accordance with the regulations by the employer to the insurer, or
(ii) where the employer does not agree with the estimate of the insurer and applies to the WorkCover Authority for an estimate of that value—as determined by the Authority, or
(b) where the monetary value of those wages has been ascertained—to the actual value of those wages.
Schedule 2
Application
Schedule 2 Application
Schedule 2 Application
Schedule 3
Basic tariff premium
Schedule 3 Basic tariff premium
Schedule 3 Basic tariff premium
Schedule 4
Experience adjustment factor
Schedule 4 Experience adjustment factor
Schedule 4 Experience adjustment factor
Schedule 5
Experience premium
Schedule 5 Experience premium
Schedule 5 Experience premium
6
Definition
6 Definition
6 Definition
In this Schedule, cost of claims has the same meaning as in Part 3 of the Workers Compensation (Insurance Premiums) Regulation 1987.
Schedule 6
Excess surcharge factor
Schedule 6 Excess surcharge factor
Schedule 6 Excess surcharge factor
The excess surcharge factor (“X”) for an employer is:
(a) where the employer is a category B employer and there has been no agreement between the employer and the insurer that the employer will pay the first $500 (or such lesser amount as may be agreed upon) of each claim which arises out of the period of insurance for which the premium is to be calculated, 0.05, or
(b) in any other case, 0.
Schedule 7
Minimum premium—category B employers
Schedule 7 Minimum premium—category B employers
Schedule 7 Minimum premium—category B employers
Schedule 8
Adjustment of premium
Schedule 8 Adjustment of premium
Schedule 8 Adjustment of premium
If the premium payable for a policy under this Order after the end of the period of insurance differs from the premium estimated at the commencement of that period, the difference must be met, within 4 months after the end of that period, by a further payment by the employer or by a refund to the employer, as the case requires.
Schedule 9
Reduction of premium for employers of previously injured or unemployed workers
Schedule 9 Reduction of premium for employers of previously injured or unemployed workers
Schedule 9 Reduction of premium for employers of previously injured or unemployed workers
sch 9: Ins 14.2.1992.
3
Wages to which this Schedule applies
3 Wages to which this Schedule applies
3 Wages to which this Schedule applies
(1) This Schedule applies to wages paid by an employer in respect of the first 12 months of employment of any worker who is first employed by the employer (otherwise than on a casual or temporary basis) after 1 February 1992 and before 1 July 1992, but only if:
(a) the worker is partially incapacitated for work as a result of an injury (whether received before or after the commencement of this Schedule) and is no longer employed by a previous employer who employed the worker at the time of the injury, or
(b) the worker has been continuously unemployed for 3 months immediately before being employed by the employer.
(2) However, this Schedule does not apply to any such wages unless:
(a) application for a premium reduction in respect of those wages is made by the relevant employer in accordance with any guidelines under this Schedule, and
(b) any other relevant requirements of the WorkCover Authority are satisfied.
4
Application for reduction of premium
4 Application for reduction of premium
4 Application for reduction of premium
The WorkCover Authority may issue guidelines specifying the method of applying for a premium reduction under this Schedule, including:
(a) the manner and form of an application, and
(b) any documents relating to the application that the employer must attach to it.
5
Definition
5 Definition
5 Definition
In this Schedule, employer does not include a self-insurer.
Schedule A
Basic tariff rates
Schedule A Basic tariff rates
Table A Basic tariff rates
Notes
Table A
| Column 1 | Column 2 | Column 3 |
| Classification of Employer’s Business orIndustrial Activity | Rate No | Basic Rates of Premium |
| Abattoirs | 501 | 8.4% |
| Abrasive Blasting (incl Metal Spraying, Sand Blasting etc) (rate as for Engineering (c)). | | |
| Abrasives Mfg (rate as for Engineering (c)). | | |
| Accounting Services (rate as for Financial Institutions (a)). | | |
| Adjusting and Assessing (rate as for Financial Institutions (a)). | | |
| Advertising Agencies (rate as for Financial Institutions (a)). | | |
| Advertising Signs—Electrical and/or Neon (see Electrical Apparatus etc). | | |
| Aerated Water and/or Soft Drink Mfg (rate as for Grocery etc). | | |
| Aerodromes and Aviation Services—no manufacturing— | | |
| (a) Recognised air routes | 505 | 0.45% |
| (b) All other air routes | 507 | 3.8% |
| (c) Ground Staff | 508 | 2.1% |
| Aeroplane and/or Aeroplane Engine Mfg (rate as for Engineering (b)). | | |
| Agricultural Implement Mfg (rate as for Engineering (b)). | | |
| Agricultural Societies (rate as for Pleasure Grounds). | | |
| Air Conditioning Plant Mfg and Installing (rate as for Engineering (c)). | | |
| Aluminium Ware Mfg noc (rate as for Engineering (b)). | | |
| Aluminium Work—Sheetmetal (rate as for Engineering (c)). | | |
| Amusement Parks (rate as for Pleasure Grounds). | | |
| Analytical Laboratories (rate as for Doctors’ Surgeries). | | |
| Animal Clinics (rate as for Doctors’ Surgeries). | | |
| Apiaries (rate as for Farming and Grazing). | | |
| Architectural Services (rate as for Financial Institutions (a)). | | |
| Armoured Car Services (rate as for Security Services). | | |
| Artesian Boring (rate as for Quarries). | | |
| Art Galleries (rate as for Halls—Public). | | |
| Artificial Limb and Truss Mfg (rate as for Scientific Instrument Mfg). | | |
| Artificial Stone Mfg (rate as for Brickworks). | | |
| Art Metal Work (rate as for Engineering (c)). | | |
| Asbestos Sheet and/or Fibro-Cement Sheet Mfg | 523 | 2.6% |
| Asphalting (rate as for Road etc Making). | | |
| Associations—(a) Business & Professional noc (rate as for Financial Institutions (a)).(b) Other—rate according to industry. | | |
| Athletic, Sports and/or Social Clubs—(a) Professional Football Playing | 529 | $45.00 |
| (b) Other—including Professional Sporting Activities n.o.c | 531 | 1.7% |
| Auctioneering—other than Livestock (rate as for Retail Shops). | | |
| Authorised Money Market Dealers (rate as for Financial Institutions (a)). | | |
| Automatic Sprinkler Mfg (rate as for Engineering (b)). | | |
| Automobile Works (see Motor Vehicle Industry). | | |
| Automotive Electrical and/or Engineering Services (rate as for Motor Vehicle Industry (b)). | | |
| Bacon Mfg (see Canning etc). | | |
| Badge and Medallion Mfg (rate as for Scientific Instrument Mfg). | | |
| Bag Mfg and/or Repairing—(a) Handbags noc and incl Leather (rate as for Leather Goods Mfg).(b) Paper (rate as for Paper Mills etc).(c) Plastic (rate as for Plastic Goods Mfg (a)).(d) Textile—Sack and Meat Wrapper (rate as for Clothing Mfg noc). | | |
| Bakelite Moulding Factories (rate as for Plastic Goods Mfg (a)). | | |
| Baking—(a) Bakehouse, Factory and/or Delivery | 539 | 2.6% |
| (b) Retail—no baking on premises (rate as for Retail Shops). | | |
| Bamboo Work (rate as for Furniture Mfg). | | |
| Banking: Trading, Saving, Development (rate as for Financial Institutions (a)). | | |
| Barber Shops | 540 | 0.8% |
| Bark Gathering and Milling and Other Forest Work and the like noc—NOT incidental to the Timber Industry (rate as for Farming and Grazing). | | |
| Baths—Medical, Sauna, Swimming, Turkish and the like (rate as for Halls—Public). | | |
| Baths and/or Swimming Pools Construction, or Installation (rate as for Building noc). | | |
| Battery—Electrical—Mfg (see Electrical Battery Mfg etc). | | |
| Bedding Mfg (rate as for Engineering (b)). | | |
| Belting Mfg—Industrial—(a) Rubber (rate as for Rubber Goods Mfg (b)).(b) Other (rate as for Leather Goods Mfg). | | |
| Benevolent Institutions (rate as for Hospitals). | | |
| Bicycle Mfg (rate as for Engineering (b)). | | |
| Bicycle Retailing—including hiring and repairing (rate as for Retail Shops). | | |
| Billiard Saloons (rate as for Halls—Public). | | |
| Billposting (rate as for Messenger Services). | | |
| Biscuit Mfg | 546 | 3.1% |
| Blacksmithing (rate as for Engineering (a)). | | |
| Blasting Operations (rate as for Quarries). | | |
| Blind Mfg—(a) Canvas (rate as for Clothing Mfg noc).(b) Other | 549 | 2.1% |
| Boarding Houses (rate as for Motels). | | |
| Boarding Schools (rate as for Colleges). | | |
| Boat Building (rate as for Engineering (c)). | | |
| Boat Sheds (rate as for Vessels (a)). | | |
| Boiler Making and/or Erecting (rate as for Engineering (a)). | | |
| Boiling-down Works (rate as for Chemical etc). | | |
| Bolt, Nut, Nail and Screw Mfg (rate as for Engineering (b)). | | |
| Bond and Free Stores (rate as for Importing etc (a)). | | |
| Bone Milling (rate as for Fertiliser Works). | | |
| Book and/or Magazine Importing (see Importing etc). | | |
| Bookbinding (rate as for Printing). | | |
| Bookmaking—Racing, incl Bookmaking Clerks (rate as for Messenger Services). | | |
| Boot and Shoe Mfg and/or Repairing and/or Dealing—(a) Wholesale and Retail (rate as for Retail Shops).(b) Manufacturing and/or Repairing | 556 | 2.6% |
| Bottle Dealing (rate as for Glass Merchandising (b)). | | |
| Bowling Alleys—Ten Pin (rate as for Athletic, Sports etc (b)). | | |
| Bowling Green Construction (rate as for Gardening (b)). | | |
| Boxing and Wrestling— | | |
| (a) Contestants | 558 | $25.00 per capita per bout |
| (b) Other (rate as for Athletic, Sports etc (b)). | | |
| Box Mfg—(a) Cardboard (rate as for Engineering (c)).(b) Plastic (rate as for Plastic Goods Mfg (a)).(c) Metal | 560 | 3.1% |
| (d) Wood (rate as for Woodworking noc). | | |
| Brassware Mfg noc (rate as for Engineering (c)). | | |
| Breakwater Construction (rate as for Waterworks). | | |
| Breweries and/or Soft Drink Mfg (rate as for Grocery etc). | | |
| Bricklaying (rate as for Building noc). | | |
| Brickworks | 564 | 2.6% |
| Bridge Building (rate as for Road etc Making). | | |
| Broadcasting and Television | 694 | 0.8% |
| Broom and Brush Mfg (rate as for Sporting Goods Mfg (b)). | | |
| Building noc—including Clerks of Works and other workers supervising building operations | 568 | 5.6% |
| Building Cleaning—Exterior (rate as for Building noc). | | |
| Building Demolition (rate as for Building noc). | | |
| Building Waterproofing (rate as for Building noc). | | |
| Bus—Motor—Services (rate as for Motor Omnibus Services). | | |
| Bush Clearing—including burning off of timber (rate as for Farming and Grazing). | | |
| Bush Missions and/or Bush Nursing Associations (rate as for Colleges). | | |
| Butchering—Wholesale and/or Retail—(a) Slaughtering (rate as for Abattoirs).(b) Other | 573 | 2.6% |
| Butter Mfg (rate as for Dairying etc). | | |
| Cabinet Mfg (rate as for Furniture Mfg). | | |
| Camping Grounds (rate as for Pleasure Grounds). | | |
| Canal Construction (rate as for Waterworks). | | |
| Candle Mfg (rate as for Grocery etc). | | |
| Cane Work (rate as for Furniture Mfg). | | |
| Canning and/or Preserving Works—(a) Slaughtering (rate as for Abattoirs).(b) Other (rate as for Grocery etc). | | |
| Canvas Goods Mfg (rate as for Clothing Mfg noc). | | |
| Car Parking Stations (rate as for Motor Vehicle Industry (a)). | | |
| Caravan Grounds (rate as for Pleasure Grounds). | | |
| Carbide Mfg—(a) Quarrying (rate as for Quarries).(b) Other (rate as for Chemical etc). | | |
| Cardboard Mfg (rate as for Paper Mills etc). | | |
| Caretaking | 580 | 2.6% |
| Carnivals (rate as for Pleasure Grounds). | | |
| Carpentry and Joinery—(a) Workshop (rate as for Woodworking noc).(b) Other (rate as for Building noc). | | |
| Carpet Laying and/or Cleaning (rate as for Cleaning etc (b)). | | |
| Carpet and/or Linoleum Mfg (rate as for Woollen etc Mills). | | |
| Carriage, Coach and Motor Body Building—(a) Motor (rate as for Engineering (c)).(b) Railway and Tramway (rate as for Engineering (b)). | | |
| Carrying and Carting | 583 | 4.6% |
| Case Mfg (see Box Mfg). | | |
| Casket/Coffin Mfg (rate as for Furniture Mfg). | | |
| Catering (rate as for Restaurants). | | |
| Cattle Droving Contracting (rate as for Farming and Grazing). | | |
| Cattle Saleyards (rate as for Livestock Saleyards). | | |
| Ceiling—Stamped Metal—Mfg (rate as for Engineering (c)). | | |
| Cement Mfg (see Lime and Cement Works). | | |
| Cement Rendering (rate as for Building noc). | | |
| Cement Ware Mfg noc (rate as for Brickworks). | | |
| Cemeteries and Crematoriums (rate as for Undertaking Services). | | |
| Cereal Food Mfg (rate as for Grocery etc). | | |
| Charcoal Works—(a) Tree Felling (rate as for Sawmilling (a)).(b) Other (rate as for Chemical etc). | | |
| Charities—rate according to industry. | | |
| Cheese Mfg (rate as for Dairying etc). | | |
| Chemical—Processing and Mfg noc | 591 | 1.4% |
| Chemists (Pharmaceutical)—(a) Manufacturing (rate as for Chemical etc).(b) Wholesale (see Importing etc).(c) Retail (rate as for Retail Shops). | | |
| Child-minding Centres (rate as for Colleges). | | |
| China Mfg (rate as for Brickworks). | | |
| Chiropody (rate as for Doctors’ Surgeries). | | |
| Chiropractic (rate as for Doctors’ Surgeries). | | |
| Churches, Chapels and Other Places of Public Worship (rate as for Halls—Public). | | |
| Cigar and Cigarette Mfg (rate as for Tobacco etc Mfg). | | |
| Cinematograph Exhibiting and/or Exchanging (rate as for Halls—Public). | | |
| Cinematograph Hiring (rate as for Financial Institutions (a)). | | |
| Cinematograph and/or Television Picture Producing (rate as for Broadcasting and Television). | | |
| Circuses (rate as for Pleasure Grounds). | | |
| Civil Engineering Consulting (rate as for Financial Institutions (a)). | | |
| Clay Pits (rate as for Brickworks). | | |
| Cleaning Contracting—(a) Building—exterior (excepting Windows) (rate as for Building noc). | | |
| (b) Office, Windows and other noc | 603 | 2.6% |
| Clockmaking and/or Repairing (rate as for Umbrella Mfg etc). | | |
| Clothing Mfg noc | 607 | 2.6% |
| Clubs—(a) Aviation (see Aerodromes, etc).(b) Other (see Athletic, Sports etc). | | |
| Coach Building (see Carriage, etc). | | |
| Coal Lumping (rate as for Stevedoring). | | |
| Coal Merchandising and/or Coal Trimming—(a) Lighterage (rate as for Vessels (a)).(b) Stevedoring (rate as for Stevedoring).(c) Other (see Importing etc). | | |
| Coin Slot, Weighing and Vending Machine Shops and the like (rate as for Retail Shops). | | |
| Coke Works (rate as for Chemical etc). | | |
| Cold Storage (rate as for Importing etc (a)). | | |
| Collecting Agencies (rate as for Financial Institutions (a)). | | |
| Collecting and Credit Reporting Services (rate as for Financial Institutions (a)). | | |
| Colleges | 614 | 0.55% |
| Commercial Artists (rate as for Financial Institutions (a)). | | |
| Community Service Organisations—rate according to industry. | | |
| Computer Services—(a) Manufacturing (rate as for Engineering (b)).(b) Installing and/or Repairing and/or Dealing (rate as for Office Machine Importing etc).(c) Other (rate as for Financial Institutions (a)). | | |
| Concentration Works (rate as for Foundries (b)). | | |
| Concrete Contracting noc (rate as for Building noc). | | |
| Concrete—Ready Mixed—(a) Mixing only (rate as for Quarries).(b) Mixing and Supplying (rate as for Carrying and Carting). | | |
| Condensed Milk Mfg (rate as for Grocery etc). | | |
| Confectionery Mfg (rate as for Grocery etc). | | |
| Consulting Services—(a) Market & Business noc (rate as for Financial Institutions (a)).(b) Other—rate according to industry. | | |
| Container Depots, Bond and Free Stores and the like (rate as for Importing etc (a)). | | |
| Container Terminals (rate as for Stevedoring). | | |
| Convents and Convent Schools (rate as for Colleges). | | |
| Copper Work—Sheetmetal (rate as for Engineering (c)). | | |
| Copying, Typing and Mailing Services (rate as for Financial Institutions (a)). | | |
| Cork Cutting and Cork Article Mfg—(a) Flooring (rate as for Cleaning etc (b)).(b) Other (rate as for Engineering (c)). | | |
| Corporation Services | 621 | 3.1% |
| (Abattoirs, Child-minding Centres, Electric Light and Power Supplying, Gas Works and Quarries at the respective rates for such.) | | |
| Corset Mfg—not factories (rate as for Tailoring (b)). | | |
| Cosmetic Mfg (rate as for Chemical etc). | | |
| Cotton Ginneries and Mills (rate as for Woollen etc Mills). | | |
| Cotton Picking and Growing (rate as for Farming and Grazing). | | |
| Courier Services—(a) Messenger Services (rate as for Messenger Services).(b) Other (rate as for Carrying and Carting). | | |
| Courts (rate as for Financial Institutions (a)). | | |
| Cranes and Hoists (rate as for Machinery Merchandising etc). | | |
| Credit Reporting and Collecting Services (rate as for Financial Institutions (a)). | | |
| Credit Unions (rate as for Financial Institutions (a)). | | |
| Crematoriums (rate as for Undertaking Services). | | |
| Customs Agencies—(a) Carrying (rate as for Carrying and Carting).(b) Other (see Importing etc). | | |
| Cutlery Mfg (rate as for Engineering (b)). | | |
| Dairy Apparatus Mfg and/or Installing (rate as for Engineering (b)). | | |
| Dairy Farming (rate as for Farming and Grazing). | | |
| Dairying (Milk Vending and Processing) | 630 | 3.8% |
| Dam Construction and/or Cleaning (rate as for Waterworks). | | |
| Dance Halls and Dancing Schools (rate as for Halls—Public). | | |
| Data Processing Services (rate as for Financial Institutions (a)). | | |
| Decorating (rate as for Painting). | | |
| Dehydrating—Food, artificial heat process (rate as for Grocery etc). | | |
| Dentistry and/or Dental Laboratories (rate as for Doctors’ Surgeries). | | |
| Detective Agencies (rate as for Security Services). | | |
| Diamond and Other Drilling (rate as for Quarries). | | |
| Die Casting (see Foundries). | | |
| Die Cutting and Sinking (rate as for Scientific Instrument Mfg). | | |
| Distilling (rate as for Chemical etc). | | |
| Diving (rate as for Vessels (b)). | | |
| Dock, Pier, Wharf or Retaining Wall Construction (rate as for Waterworks). | | |
| Docks—(a) Stevedoring and Wharf Labouring (rate as for Stevedoring).(b) Other | 640 | 1.7% |
| Doctors’ Surgeries | 641 | 0.25% |
| Dog Coursing (rate as for Athletic, Sports etc (b)). | | |
| Domestic Service (rate as for Householders—Private). | | |
| Drain Making (rate as for Waterworks). | | |
| Dredging—(a) Marine Shell (rate as for Quarries).(b) Other (see Mining). | | |
| Dressmaking—not factories (rate as for Tailoring (b)). | | |
| Drilling (rate as for Quarries). | | |
| Driving Schools (rate as for Messenger Services). | | |
| Droving Contracting (rate as for Farming and Grazing). | | |
| Dry Cleaning and Dyeing—(a) Depot—Shop only (rate as for Retail Shops).(b) Works | 644 | 2.1% |
| Dye Mfg (rate as for Chemical etc). | | |
| Earth Moving, Filling, Grading and Levelling (rate as for Road etc Making). | | |
| Earthenware Mfg (rate as for Brickworks). | | |
| Editing Services (rate as for Publishing (b)). | | |
| Electrical Apparatus (other than Lighting, Power Supply and Other Heavy Electrical Equipment) Mfg and/or Repairing and/or Dealing noc—(a) Retail—incl Wireless and/or Television Installing and/or Dismantling (rate as for Retail Shops).(b) Other—incl installing noc (rate as for Engineering (b)). | | |
| Electrical Battery Mfg and/or Recharging—(a) Wet Cell (rate as for Engineering (a)).(b) Dry Cell (rate as for Chemical etc). | | |
| Electric Cable Mfg | 651 | 3.1% |
| Electric Light and Power Supplying, incl maintenance and extension of lines, connections, meter reading and other work | 652 | 3.1% |
| Electric Light, Power and Other Heavy Electrical Equipment Mfg, Repairing and/or Dealing noc—(a) Workshop and/or installing and/or dismantling and/or repairing (rate as for Engineering (c)).(b) Dealing (see Importing etc). | | |
| Electronic Apparatus (see Computer Services). | | |
| Electroplating (rate as for Engineering (b)). | | |
| Electro-therapy (rate as for Doctors’ Surgeries). | | |
| Elevator Mfg and/or Erecting—(a) Manufacturing (rate as for Engineering (c)).(b) Installing, repairing and servicing (rate as for Building noc). | | |
| Employment Agencies—(a) Providing contract labour (rate as for industry of client).(b) Personnel Consultants (not hiring out labour) (rate as for Financial Institutions (a)). | | |
| Engine Installing and/or Repairing (rate as for Motor Vehicle Industry (b)). | | |
| Engineering—(a) Heavy | 760 | 5.6% |
| (b) Light Repetition | 914 | 2.6% |
| (c) noc | 657 | 3.8% |
| Engraving (rate as for Scientific Instrument Mfg). | | |
| Excavating noc (rate as for Building noc). | | |
| Exporting noc (see Importing etc). | | |
| Farming and Grazing—incl Farming and Grazing Contracting noc | 661 | 5.6% |
| Fencing—(a) Tree Felling (rate as for Sawmilling (a)).(b) Other (rate as for Gardening (b)). | | |
| Ferry Boats (rate as for Vessels (a)). | | |
| Fertiliser Works | 663 | 3.1% |
| Fibre Glass Goods Mfg (rate as for Plastic Goods Mfg (a)). | | |
| Fibro-Cement Sheet Mfg (rate as for Asbestos Sheet etc). | | |
| Fibrous Plaster and/or Plasterboard Mfg (rate as for Engineering (b)). | | |
| Film Producing (rate as for Broadcasting and Television). | | |
| Financial Institutions—(a) Financial Institutions | 666 | 0.25% |
| (b) Services to Financial Institutions noc (rate as for Financial Institutions (a)). | | |
| Financiers noc (rate as for Financial Institutions (a)). | | |
| Fire Brigades (rate as for Corporation Services). | | |
| Fire Escape and/or other Fire Appliances and/or Fire Door and/or Shutter Making and/or Erecting (rate as for Engineering (a)). | | |
| Fire Salvage (rate as for Building noc). | | |
| Firewood Dealing and/or Procuring—(a) Tree Felling and/or Bush Work and/or Saw Work (rate as for Sawmilling (a)).(b) Other Work (see Importing etc). | | |
| Fireworks Mfg (rate as for Chemical etc). | | |
| Fish Curing (rate as for Fishmongery). | | |
| Fishing Industry—(a) Vessels (rate as for Vessels (b)).(b) Penning and Land Work (rate as for Fishmongery). | | |
| Fishing Tackle Mfg (see Sporting Goods Mfg). | | |
| Fish Marketing Authority (rate as for Fishmongery). | | |
| Fishmongery | 671 | 2.1% |
| Floating Plants for heavy lifting (rate as for Stevedoring). | | |
| Floor Sanding and/or Polishing and/or Surfacing (rate as for Woodworking noc). | | |
| Floorcovering laying and/or cleaning (rate as for Cleaning etc (b)). | | |
| Flour Milling (rate as for Grocery etc). | | |
| Football Playing (rate as for Athletic, Sports etc (a)). | | |
| Forestry Commission (rate as for Fruit Growing). | | |
| Forwarding Agencies—(a) Carrying (rate as for Carrying and Carting).(b) Other (see Importing etc). | | |
| Foundries—(a) Ferrous (Iron and Steel only) | 675 | 6.9% |
| (b) Other Metals | 676 | 3.1% |
| Free Stores (rate as for Importing etc (a)). | | |
| Freezing Works (rate as for Importing etc (a)). | | |
| French Polishing (rate as for Retail Shops). | | |
| Frozen Foods—processing and mfg (rate as for Grocery etc). | | |
| Fruit Drying and Packing (rate as for Fruit Growing). | | |
| Fruit Growing—including own packing | 679 | 4.6% |
| Fruit and/or Vegetable Agencies and/or Exporting (see Importing etc). | | |
| Fumigating (rate as for Chemical etc). | | |
| Furniture Mfg | 682 | 3.1% |
| Furriery—workshop (rate as for Tailoring (b)). | | |
| Galvanising (rate as for Engineering (b)). | | |
| Gambling Services noc (rate as for Financial Institutions (a)). | | |
| Garages (see Motor Vehicle Industry). | | |
| Garbage Services (rate as for Sanitary etc Services). | | |
| Gardening—(a) Domestic (rate as for Householders—Private).(b) Landscape and other noc | 685 | 2.6% |
| Gasfitting Services (rate as for Plumbing etc Services). | | |
| Gas Works—incl operation of gas house, maintenance of existing works and mains, connections, meter reading and other work | 687 | 1.4% |
| Glass Merchandising—(a) Retail (rate as for Retail Shops).(b) Other | 689 | 4.6% |
| Glass and Glass Bottle Mfg (rate as for Engineering (b)). | | |
| Glazing (rate as for Glass Merchandising (b)). | | |
| Government Administrative Authorities noc (rate as for Financial Institutions (a)). | | |
| Grain and Produce Marketing Authorities noc (see Importing etc). | | |
| Grain Merchandising (rate as for Grocery etc). | | |
| Gramophone Record and/or Cassette Tape Mfg (rate as for Broadcasting and Television). | | |
| Granite Works (see Lime and Cement Works). | | |
| Gravel and Sand Pits (rate as for Quarries). | | |
| Grocery Mfg noc and/or Merchandising noc | 696 | 3.1% |
| Guest Houses (rate as for Motels). | | |
| Guns—Repairing and/or Dealing (rate as for Retail Shops). | | |
| Gut Mfg (rate as for Chemical etc). | | |
| Gymnasia (rate as for Athletic, Sports etc (b)). | | |
| Hairdressing (rate as for Barber Shops). | | |
| Halls—Public | 700 | 1.15% |
| Ham Mfg (see Canning etc). | | |
| Hardware Merchandising—(a) Wholesale (see Importing etc).(b) Retail (rate as for Retail Shops). | | |
| Hat and/or Cap Mfg (rate as for Tailoring (b)). | | |
| Health and Fitness Centres (rate as for Athletic, Sports etc (b)). | | |
| Heavy Equipment Mfg, e.g. Bulldozers, Cranes, Construction Equipment etc (rate as for Engineering (a)). | | |
| Herb Merchandising (see Chemists (Pharmaceutical)). | | |
| Hide and Skin Stores (rate as for Tanneries). | | |
| Hire Cars (rate as for Taxi Cab etc). | | |
| Hire Services—(a) Clothing, Camping, Crockery, Indoor Garden Plant and the like (rate as for Retail Shops).(b) Plant and Heavy Equipment (rate as for Machinery Merchandising etc). | | |
| Holder—Investor noc (rate as for Financial Institutions (a)). | | |
| Holding Companies—(a) Mainly engaged in holding shares in their subsidiary company (or companies) (rate as for Financial Institutions (a)).(b) Other—rate according to industry. | | |
| Home Care Services (rate as for Hospitals). | | |
| Horse Dealing and/or Shipping (rate as for Livestock Saleyards). | | |
| Horse Training and/or Horse Breaking (rate as for Racing Stables). | | |
| Hospitals | 708 | 2.6% |
| Hostels (rate as for Motels). | | |
| Hotel-Motels (rate as for Hotels). | | |
| Hotels | 710 | 1.7% |
| Houseboats (rate as for Vessels (a)). | | |
| Householders—Private | | |
| Cleaners, Gardeners, Gatekeepers and the like, employed by a Body Corporate as defined in the Strata Titles Act 1973 (rate as for Caretaking) | 714 | $5.00 per capita per annum |
| Ice and Ice Cream Mfg (rate as for Dairying etc). | | |
| Importing noc, Exporting noc and/or Warehousing noc—(a) Involved in Goods Handling | 717 | 1.4% |
| (b) Other (rate as for Messenger Services). | | |
| Indoor Garden Plant Hire Services (rate as for Retail Shops). | | |
| Industrial Gas Mfg (rate as for Chemical etc). | | |
| Industrial Waste Disposal Services (rate as for Sanitary etc Services). | | |
| Insurance—(a) Life, General, Health (rate as for Financial Institutions (a)).(b) Services to Insurance Industry noc (rate as for Financial Institutions (a)). | | |
| Investigating Agencies (rate as for Security Services). | | |
| Irrigation Channel Work (rate as for Waterworks). | | |
| Jewellery Mfg (rate as for Retail Shops). | | |
| Job Printing (rate as for Printing). | | |
| Jockeys | 723 | $9.00 per mount or drive |
| Joinery (see Carpentry and Joinery). | | |
| Kalsomine Mfg (rate as for Chemical etc). | | |
| Kindergartens (rate as for Colleges). | | |
| Knitwear Mfg (rate as for Clothing Mfg noc). | | |
| Laboratories noc (rate as for Doctors’ Surgeries). | | |
| Lamp Mfg (rate as for Engineering (b)). | | |
| Lamp Shade Mfg (rate as for Box Mfg (c)). | | |
| Land Trusts, Mutual Funds, Unit Trusts (rate as for Financial Institutions (a)). | | |
| Lapidaries (rate as for Retail Shops). | | |
| Laundrettes—Coin operated only (rate as for Retail Shops). | | |
| Laundries | 731 | 2.6% |
| Lead Works (rate as for Foundries (b)). | | |
| Leather Goods Mfg noc | 733 | 4.6% |
| Leather Merchandising (rate as for Tanneries). | | |
| Legal Services (rate as for Financial Institutions (a)). | | |
| Lifesaving—on beaches in connection with surfing—(a) Council employees (rate as for Corporation Services).(b) Other (rate as for Athletic, Sports etc (b)). | | |
| Lime and Cement Works—(a) Quarrying (rate as for Quarries).(b) Other | 739 | 3.1% |
| Linoleum Laying and/or Cleaning (rate as for Cleaning etc (b)) | | |
| Linoleum Mfg (rate as for Woollen etc Mills). | | |
| Linotype Setting (rate as for Publishing (b)). | | |
| Linseed Oil Cake and similar products Mfg (rate as for Grocery etc). | | |
| Lithographic Services—preparation of plates only (rate as for Photography etc). | | |
| Livestock Saleyards—including Auctioneering of Livestock and Stock and Station Agencies | 744 | 0.8% |
| Locks and Guns—Repairing and/or Dealing (rate as for Retail Shops). | | |
| Loose Cover—Furniture—Mfg (rate as for Tailoring (b)). | | |
| Lotteries (rate as for Financial Institutions (a)). | | |
| Machinery Dealing and/or Repairing noc—Second Hand (rate as for Machinery Merchandising etc). | | |
| Machinery Mfg noc (see Engineering). | | |
| Machinery Merchandising, Importing and Agencies noc | 747 | 2.6% |
| Mail Contracting (rate as for Messenger Services). | | |
| Mailing, Copying and Typing Services (rate as for Financial Institutions (a)). | | |
| Malt Making (rate as for Grocery etc). | | |
| Manufacturers’ Agencies noc (see Importing etc). | | |
| Marble and Granite Works (see Lime and Cement Works). | | |
| Margarine Mfg (rate as for Grocery etc). | | |
| Marine Salvage (rate as for Vessels (b)). | | |
| Marine Shell Dredging (rate as for Quarries). | | |
| Marine Stores (see Ships’ Shop Provedores). | | |
| Market Gardening (rate as for Gardening (b)). | | |
| Markets—Public (rate as for Halls—Public). (Tenants at rate for respective business.) | | |
| Mason Work—including Building and Monumental and Stone Work (rate as for Building noc). | | |
| Match Factories (rate as for Chemical etc). | | |
| Mat Mfg—(a) Wire Work (rate as for Engineering (c)).(b) Other (rate as for Woollen etc Mills). | | |
| Mattress Mfg (rate as for Engineering (b)). | | |
| Meat Canning and/or Meat Preserving Works (see Canning etc). | | |
| Medallion Mfg (rate as for Scientific Instrument Mfg). | | |
| Merchandising noc (see Importing etc). | | |
| Messenger Services | 762 | 0.35% |
| Metal Ceiling Mfg (rate as for Engineering (c)). | | |
| Metal Dealing and Exporting (rate as for Engineering (a)). | | |
| Metal Fabricating (see Structural Engineering). | | |
| Metal Furniture Mfg (rate as for Furniture Mfg). | | |
| Metal Spraying (incl Abrasive Blasting) (rate as for Engineering (c)). | | |
| Metal Welding—(a) Structural Engineering (see Structural Engineering).(b) Other (rate as for Engineering (c)). | | |
| Metal Working noc (rate as for Engineering (a)). | | |
| Meter Mfg and/or Assembly noc | 766 | 2.1% |
| Milk Dealing and Vending—Delivery (rate as for Dairying etc). | | |
| Milk Processing (rate as for Dairying etc). | | |
| Millinery—(a) Retail (rate as for Retail Shops).(b) Other (rate as for Tailoring (b)). | | |
| Mineral Earth Works (see Lime and Cement Works). | | |
| Mineral Water Bottling (rate as for Grocery etc). | | |
| Mining—(a) Other than Broken Hill and District—1. Coal Mining | 769 | 5.6% |
| 2. Gold and Other Mining—(i) Underground Operations | 778 | 4.6% |
| (ii) Dredging and/or Sluicing and other Surface Operations | 780 | 2.1% |
| (iii) Quarrying (rate as for Quarries). | | |
| (b) Broken Hill and District—Including Liability under Workmen’s Compensation (Lead Poisoning—Broken Hill) Act 1922 and Workmen’s Compensation (Lead Poisoning—Broken Hill) Amendment Act 1924. | | |
| Underground Operations | 781 | 4.6% |
| Surface Operations | 782 | 3.1% |
| Ministers of Religion | 784 | 0.65% |
| (Deemed to be workers under clause 17 of Schedule 1 to the Workers Compensation Act 1987.) | | |
| Modelling in Clay, Stucco, Plaster and the like—(a) Building work (rate as for Building noc).(b) Other (rate as for Asbestos Sheet etc). | | |
| Money Market Dealing noc (rate as for Financial Institutions (a)). | | |
| Motels | 790 | 1.15% |
| Motion Picture Producing (rate as for Broadcasting and Television). | | |
| Motor Body Building (rate as for Engineering (c)). | | |
| Motor Car, Motor Cycle and/or Cycle Racing Tracks or Racing Grounds incl Racing Drivers, Motor Racing Cyclists and the like (rate as for Pleasure Grounds). | | |
| Motor Omnibus Services | 785 | 1.7% |
| Motor Vehicle Rental Services (see Motor Vehicle Industry). | | |
| Motor Vehicle Industry—(a) Selling—including Service Stations—no repairing | 786 | 0.8% |
| (b) Garage and Service Stations—repairing | 787 | 1.7% |
| (c) Manufacturing and assembling new vehicles (rate as for Engineering (c)). | | |
| Municipal Services (see Corporation Services). | | |
| Museums (rate as for Halls—Public). | | |
| Music Halls (rate as for Theatres). | | |
| Musical Instrument Mfg and/or Repairing (rate as for Meter Mfg etc). | | |
| Music Performing (rate as for Broadcasting and Television). | | |
| Mutual Funds, Land Trusts, Unit Funds (rate as for Financial Institutions (a)). | | |
| Nail Mfg (rate as for Engineering (b)). | | |
| Nautical Instrument Mfg (rate as for Scientific Instrument Mfg). | | |
| Neon Type Sign Mfg and/or Dealing (see Electrical Apparatus etc). | | |
| Net Mfg (see Rope and/or Twine Works). | | |
| Newsagencies (rate as for Retail Shops). | | |
| Newspaper Publishing (see Publishing). | | |
| Nurseries—flowers, etc (rate as for Gardening (b)). | | |
| Nursing Homes (rate as for Hospitals). | | |
| Nut-Edible—Shelling, Roasting and Packing (rate as for Grocery etc). | | |
| Office Machine Importing and/or Dealing and/or Repairing | 796 | 0.35% |
| Oil and Petroleum Depots (rate as for Oil Importing etc). | | |
| Oil Cake Mfg (rate as for Grocery etc). | | |
| Oil (Non Edible) Importing and/or Blending and/or Compounding and/or Refining | 799 | 1.4% |
| Oil Mills and Works (rate as for Chemical etc). | | |
| Optical Retailing (rate as for Retail Shops). | | |
| Optical Services (rate as for Scientific Instrument Mfg). | | |
| Optometrists (rate as for Doctors’ Surgeries). | | |
| Orchards (rate as for Fruit Growing). | | |
| Ore Reduction and/or Refining (rate as for Foundries (b)). | | |
| Organ Building and/or Repairing (rate as for Meter Mfg etc). | | |
| Owners of Vehicles and Vessels in respect of persons who are bailees (rate as for Taxi Cab etc). | | |
| Oyster Leaseholds (rate as for Fishmongery). | | |
| Packing Case Mfg (see Box Mfg). | | |
| Painting | 805 | 5.6% |
| Paint Mfg (rate as for Chemical etc). | | |
| Paper Cup and Other Paper Products Mfg and Other Paper Converting noc (rate as for Paper Mills etc). | | |
| Paperhanging (rate as for Painting). | | |
| Paper Merchandising (see Importing etc). | | |
| Paper Mills incl Paper Products Mfg and Paper Converting | 808 | 2.6% |
| Park Trusts (rate as for Pleasure Grounds). | | |
| Partitioning—Demountable Fixing (rate as for Woodworking noc). | | |
| Pastry Making (see Baking). | | |
| Pastures Protection Boards (rate as for Livestock Saleyards). | | |
| Patent Medicine Mfg (rate as for Chemical etc). | | |
| Pattern Making—(a) Transfer Paper (rate as for Printing).(b) Other (rate as for Woodworking noc). | | |
| Paving (rate as for Road etc Making). | | |
| Pawnbroking (rate as for Retail Shops). | | |
| Pest Exterminating (rate as for Chemical etc). | | |
| Photographic Supplies Mfg—(a) Paper and the like (rate as for Paper Mills etc).(b) Chemicals (rate as for Chemical etc). | | |
| Photography incl Developing | 814 | 0.35% |
| Phototypesetting Services (rate as for Publishing (b)). | | |
| Physiotherapy (rate as for Doctors’ Surgeries). | | |
| Piano Making and/or Organ Building and/or Repairing (rate as for Meter Mfg etc). | | |
| Picture Frame Mfg and/or Picture Frame Moulding Mfg (rate as for Woodworking noc). | | |
| Pier Construction (rate as for Waterworks). | | |
| Piggeries (rate as for Farming and Grazing). | | |
| Pile Driving (rate as for Waterworks). | | |
| Pipe Laying (rate as for Waterworks). | | |
| Pipe Lining Mfg—(a) Plastic (rate as for Chemical etc).(b) Other—rate according to industry. | | |
| Pipe Mfg—(a) Concrete and Earthenware (rate as for Brickworks).(b) Iron (rate as for Engineering (c)).(c) Other—rate according to industry. | | |
| Plasterboard and/or Wallboard Fixing (rate as for Woodworking noc). | | |
| Plastering (rate as for Building noc). | | |
| Plaster Mfg (rate as for Engineering (b)). | | |
| Plastic Goods Mfg—(a) Moulded and Extruded Products | 823 | 3.1% |
| (b) Other—rate according to industry. | | |
| Plastic Mfg (rate as for Chemical etc). | | |
| Pleasure Boats (rate as for Vessels (a)). | | |
| Pleasure Grounds | 824 | 2.1% |
| Plumbing and Gasfitting Services | 825 | 3.1% |
| Plywood and Pressed Board Mfg (rate as for Woodworking noc). | | |
| Podiatry (rate as for Doctors’ Surgeries). | | |
| Political Parties (rate as for Financial Institutions (a)). | | |
| Pottery Mfg (rate as for Brickworks). | | |
| Poultry Processing | 830 | 5.6% |
| Poultry Farming | 831 | 3.8% |
| Poultry Feed Mfg (rate as for Grocery etc). | | |
| Printing | 833 | 1.4% |
| Printing Materials Mfg (rate as for Chemical etc). | | |
| Produce Merchandising (rate as for Grocery etc). | | |
| Property Operators & Developers noc (rate as for Financial Institutions (a)). | | |
| Property Owning—re repairs to buildings (rate as for Building noc). | | |
| Public Works noc (rate as for Building noc). | | |
| Publishing—(a) Publishing and Printing (rate as for Printing).(b) Other | 741 | 0.65% |
| Pump and/or Windmill Mfg and/or Erecting (rate as for Engineering (a)). | | |
| Quarries | 838 | 3.1% |
| Rabbit Trapping (rate as for Farming and Grazing). | | |
| Racing Clubs—(a) Jockeys (rate as for Jockeys).(b) Other (rate as for Athletic, Sports etc (b)). | | |
| Racing Stables—all work (excepting Racing—rate as for Jockeys). | 841 | 8.4% |
| Radio Mfg and/or Repairing and/or Dealing (see Electrical Apparatus etc). | | |
| Radio Broadcasting (rate as for Broadcasting and Television). | | |
| Railway Construction and/or Demolition (rate as for Road etc Making). | | |
| Railways and Tramways (rate as for Carrying and Carting). | | |
| Railway Sidings—construction of—for the Insured by workers of the State Rail Authority, including legal liability to pay compensation under clause 46 of Schedule 7 to the Transport Administration Act 1988 (rate as for Road and/or Railway Maintenance). | | |
| Real Estate Agencies (rate as for Messenger Services). | | |
| Refreshment Rooms (rate as for Restaurants). | | |
| Refrigerating Works (rate as for Importing etc (a)). | | |
| Residential Colleges (rate as for Motels). | | |
| Residential Property Operators noc (rate as for Financial Institutions (a)). | | |
| Restaurants | 846 | 1.15% |
| Retail Shops | 847 | 1.4% |
| Rice Milling (rate as for Grocery etc). | | |
| Riding Schools (rate as for Athletic, Sports etc (b)). | | |
| Ringbarking and/or Suckering (rate as for Farming and Grazing). | | |
| Road and/or Railway Maintenance—i.e. repairing existing roads and/or railways and incl the construction of Railway Sidings for the Insured by workers of the State Rail Authority including legal liability to pay compensation under clause 46 of Schedule 7 to the Transport Administration Act 1988 | 849 | 2.6% |
| Road and/or Railway Making—i.e. making new roads and railways | 850 | 4.6% |
| Roofing and/or Roof Tiling (rate as for Building noc). | | |
| Roof Plumbing (rate as for Building noc). | | |
| Rope and/or Twine Works—(a) Wire Rope (rate as for Engineering (c)).(b) Other (rate as for Sporting Goods Mfg (b)). | | |
| Rubber Solution Mfg (rate as for Chemical etc). | | |
| Rubber Stamp Mfg (rate as for Publishing (b)). | | |
| Rubber Goods Mfg—(a) Moulded and Extruded Products only (rate as for Plastic Goods Mfg (a)).(b) Tyre, Belting and Other Rubber Goods noc | 854 | 3.1% |
| Saddlery (rate as for Leather Goods Mfg). | | |
| Sailmaking (rate as for Tailoring (b)). | | |
| Salt Lick Mfg (rate as for Chemical etc). | | |
| Salvage—(a) Fire (rate as for Building noc).(b) Marine (rate as for Vessels (b)). | | |
| Sand Blasting (rate as for Engineering (c)). | | |
| Sand Pits (rate as for Quarries). | | |
| Sanitary and/or Industrial Waste Disposal Services | 860 | 5.6% |
| Sausage Casing and Gut Mfg (rate as for Chemical etc). | | |
| Sawmilling—(a) Mills and/or Mill Yards breaking down timber from the bush including timber getting and/or bush work, i.e. tree felling, sawing, splitting and/or conveying to mill | 862 | 8.4% |
| (b) Other Mills and/or Mill Yards | 864 | 3.8% |
| (c) Timber Storage Yards—not Mill Yards | 865 | 3.1% |
| Scale Mfg—(a) Weighbridges and Other Heavy Scales (rate as for Engineering (a)).(b) Light Scales only (rate as for Engineering (b)). | | |
| Schools (rate as for Colleges). | | |
| Scientific Instrument Mfg | 867 | 1.15% |
| Scrap Dealing (rate as for Engineering (a)). | | |
| Screw Mfg (rate as for Engineering (b)). | | |
| Second Hand Machinery Dealing and/or Repairing (rate as for Machinery Merchandising etc). | | |
| Security Services—Armoured Car, Patrol, Guard and the like | 969 | 1.7% |
| Seed Cleaning and/or Grading (rate as for Farming and Grazing). | | |
| Seed Merchandising (see Importing etc). | | |
| Septic Tank Construction (rate as for Brickworks). | | |
| Septic Tank Installing (rate as for Plumbing etc). | | |
| Service Stations (see Motor Vehicle Industry). | | |
| Services to Finance & Investment noc (rate as for Financial Institutions (a)). | | |
| Services to Insurance Industry noc (rate as for Financial Institutions (a)). | | |
| Sewer Construction (rate as for Waterworks). | | |
| Sewing Machine Dealing and/or Importing and/or Assembling and/or Repairing (see Importing etc). | | |
| Sheep Shearing and/or Droving Contracting (rate as for Farming and Grazing). | | |
| Sheet Metal Working noc (rate as for Engineering (c)). | | |
| Sheltered Workshops—rate according to industry. | | |
| Ship Building and/or Repairing and/or Cleaning (rate as for Engineering (c)). | | |
| Shipping Agencies in respect of workers engaged on vessels in cleaning, overhauling and/or repairing (rate as for Engineering (c)). | | |
| Ships (see Vessels). | | |
| Ships’ Shop Provedores—(a) Wholesale (see Importing etc).(b) Retail (rate as for Retail Shops).(c) Rigging (rate as for Engineering (c)). | | |
| Shire Services (see Corporation Services). | | |
| Shop and Office Fitting (rate as for Woodworking noc). | | |
| Show Case Mfg (rate as for Furniture Mfg). | | |
| Signwriting (rate as for Painting). | | |
| Silk Screen Printing (rate as for Printing). | | |
| Silverware and/or Cutlery Mfg (rate as for Engineering (b)). | | |
| Skating Rinks (rate as for Pleasure Grounds). | | |
| Slate Yards (see Lime and Cement Works). | | |
| Slaughtering (rate as for Abattoirs). | | |
| Small Arms Mfg (rate as for Engineering (b)). | | |
| Smallgoods—Meat—Mfg—(a) General Butchering (rate as for Butchering (b)).(b) Other (rate as for Grocery etc). | | |
| Smelting Works noc (rate as for Foundries (b)). | | |
| Soap and/or Candle Mfg (rate as for Grocery etc). | | |
| Soft Drink Mfg (rate as for Grocery etc). | | |
| Softgoods Warehouses (rate as for Retail Shops). | | |
| Solder Mfg (rate as for Foundries (b)). | | |
| Spark Plug Mfg (rate as for Engineering (b)). | | |
| Spectacle Frame Mfg (rate as for Plastic Goods Mfg (a)). | | |
| Spectacles and/or Spectacle Frames Retailing (rate as for Retail Shops). | | |
| Speed Boats—racing (rate as for Pleasure Grounds). | | |
| Spinning Mills (rate as for Woollen etc Mills). | | |
| Sporting Goods Mfg—(a) Woodwork (rate as for Woodworking noc).(b) Other | 890 | 3.1% |
| Spring Mfg—(a) Vehicular (rate as for Engineering (a)).(b) Other (rate as for Engineering (c)). | | |
| Stationery Mfg (rate as for Paper Mills etc). | | |
| Steel Fabricating (see Structural Engineering). | | |
| Steel Mfg (rate as for Engineering (a)). | | |
| Stevedoring—including Container Terminals | 893 | 3.8% |
| Stock and Station Agencies (rate as for Livestock Saleyards). | | |
| Stock Exchanges (rate as for Financial Institutions (a)). | | |
| Stock Feed Mfg (rate as for Grocery etc). | | |
| Stone Breaking and Crushing (rate as for Quarries). | | |
| Stone Yards (see Lime and Cement Works). | | |
| Stonemason Work (rate as for Building noc). | | |
| Stores—Bulk noc (rate as for Importing etc (a)). | | |
| Strata Titles—Bodies Corporate (rate as for Caretaking). | | |
| Structural Engineering—(a) Fabrication in workshop (rate as for Engineering (a)).(b) Structural work on buildings (rate as for Building noc). | | |
| Sugar Cane Growing and/or Sugar Cane Contracting—incl cutting and/or delivery to mill, jetty or on punt (rate as for Farming and Grazing). | | |
| Sugar Milling (rate as for Grocery etc). | | |
| Suitcase Mfg (see Bag Mfg). | | |
| Superannuation Funds (rate as for Financial Institutions (a)). | | |
| Surgical Instrument Mfg (rate as for Scientific Instrument Mfg). | | |
| Surveying—Land and Marine (rate as for Colleges). | | |
| Suspended Ceiling Fixing (rate as for Woodworking noc). | | |
| Swimming Pools Construction, or Installation (rate as for Building noc). | | |
| Swimming Pools (Fibreglass) Mfg (rate as for Plastic Goods Mfg (a)). | | |
| Tailoring—(a) Factories (rate as for Clothing Mfg noc).(b) Other | 902 | 1.7% |
| Take-Away Food Establishments (rate as for Restaurants). | | |
| Tallying Services (rate as for Docks (b)). | | |
| Tank and Dam Construction and/or Cleaning (rate as for Waterworks). | | |
| Tanneries—incl Leather Merchandising | 905 | 3.8% |
| Tape Mfg (rate as for Chemical etc). | | |
| Tape—Cassette Mfg and Recording (rate as for Broadcasting and Television). | | |
| Taverns and Bars (rate as for Hotels). | | |
| Taxi Cab and/or Hire Cars—(a) Drivers | 907 | $2.40 per shift |
| (b) Other (rate as for Motor Omnibus Services). | | |
| Telephone and Electronic Equipment Cleansing Services (rate as for Office Machine Importing etc). | | |
| Television Broadcasting (rate as for Broadcasting and Television). | | |
| Television Mfg and/or Repairing and/or Dealing (see Electrical Apparatus etc). | | |
| Terra-Cotta Mfg (rate as for Brickworks). | | |
| Terrazzo—(a) Mfg—other than Tiles (see Lime and Cement Works).(b) Paving (rate as for Road etc Making).(c) Other (rate as for Building noc). | | |
| Theatres | 910 | 0.95% |
| Tile Mfg (rate as for Brickworks). | | |
| Tiling—(a) Pavement (rate as for Road etc Making).(b) Other (rate as for Building noc). | | |
| Timber Getting and/or Bush Work (rate as for Sawmilling (a)). | | |
| Timber Merchandising (rate as for Sawmilling (c)). | | |
| Timber Storage Yards (rate as for Sawmilling (c)). | | |
| Tobacco Growing (rate as for Farming and Grazing). | | |
| Tobacco, Cigar and Cigarette Mfg | 913 | 1.7% |
| Tool Making noc (rate as for Engineering (b)). | | |
| Totalizator Machine Mfg and/or Repairing (rate as for Scientific Instrument Mfg). | | |
| Tow Trucking—(a) Towing Only (rate as for Carrying and Carting).(b) In conjunction with repair activities (rate as for Motor Vehicle Industry (b)). | | |
| Toy Mfg—(a) Wood (rate as for Woodworking noc).(b) Plastic (see Plastic Goods Mfg).(c) Soft (rate as for Clothing Mfg noc).(d) Other (rate as for Engineering (b)). | | |
| Trade Unions (rate as for Messenger Services). | | |
| Transfer Paper Pattern Making (rate as for Printing). | | |
| Travel Agencies (rate as for Messenger Services). | | |
| Trunk Mfg—(a) Metal (see Box Mfg).(b) Wood (rate as for Woodworking noc).(c) Other (see Bag Mfg). | | |
| Truss Mfg (rate as for Scientific Instrument Mfg). | | |
| Tunnelling noc (rate as for Building noc). | | |
| Typesetting Services (rate as for Publishing (b)). | | |
| Typing, Copying and Mailing Services (rate as for Financial Institutions (a)). | | |
| Umbrella Mfg and/or Repairing | 922 | 0.8% |
| Undertaking Services | 923 | 2.6% |
| Unit Trusts, Land Trusts, Mutual Funds (rate as for Financial Institutions (a)). | | |
| Upholstering—(a) Cabinet and/or Furniture Mfg (rate as for Furniture Mfg)(b) Other (rate as for Tailoring (b)). | | |
| Vending, Weighing and/or Coin Slot Machine Shops and the like (rate as for Retail Shops). | | |
| Vessels—(a) Ferries and Other Vessels noc | 926 | 3.1% |
| (b) Trawlers and Other Fishing Vessels | 933 | 5.6% |
| Veterinary Services (rate as for Doctors’ Surgeries). | | |
| Video Libraries (rate as for Retail Shops). | | |
| Vineyards—(a) Vineyard Work (rate as for Fruit Growing).(b) Wine Making (rate as for Wine Making). | | |
| Vinegar Making (rate as for Wine Making). | | |
| Warehousing noc (rate as for Importing etc (a)). | | |
| Waste Disposal Services (rate as for Sanitary etc Services). | | |
| Watchmaking and Clockmaking and/or Repairing (rate as for Umbrella Mfg etc). | | |
| Water Boards (rate as for Waterworks). | | |
| Waterproofing Buildings (rate as for Building noc). | | |
| Waterproofing Products Mfg (rate as for Chemical etc). | | |
| Waterworks—Construction and extension | 940 | 5.6% |
| Weaving Mills (rate as for Woollen etc Mills). | | |
| Weighing, Vending and/or Coin Slot Machine Shops and the like (rate as for Retail Shops). | | |
| Welfare Services noc (rate as for Financial Institutions (a)). | | |
| Well Sinking (rate as for Quarries). | | |
| Wharf Construction (rate as for Waterworks). | | |
| Wharf Labouring (rate as for Stevedoring). | | |
| Wharfs (see Docks). | | |
| Wheat Grading and/or Sampling at Silo and/or Stacking (rate as for Farming and Grazing). | | |
| Wicker Work (rate as for Furniture Mfg). | | |
| Window Cleaning (rate as for Cleaning (b)). | | |
| Window Dressing (rate as for Retail Shops). | | |
| Wine Making | 947 | 3.8% |
| Wine and/or Spirit Merchandising—Wholesale | 948 | 1.4% |
| Wire and/or Wire Products Mfg (rate as for Engineering (c)). | | |
| Wooden Furniture Mfg (rate as for Furniture Mfg). | | |
| Woodworking noc | 955 | 3.8% |
| Woollen and Other Textile Mills | 956 | 2.6% |
| Wool Sampling and Classing (rate as for Wool Stores). | | |
| Woolscouring (rate as for Woollen etc Mills). | | |
| Wool Stores—of Pastoral Companies and the like | 960 | 3.1% |
| Wrestling (see Boxing and Wrestling). | | |
| X-ray Work (rate as for Doctors’ Surgeries). | | |
| Yarn Mills (rate as for Woollen etc Mills). | | |
| Zoological Gardens (rate as for Pleasure Grounds). | | |
7
7
7
There is no tariff classification of “Clerical Staffs—office work” or “Commercial Travelling”. Consequently the wages of any such employees will attract the basic tariff premium appropriate to the employer’s business.
8
8
8
In the event that an employer carries on separate and distinct businesses then employees of the type previously eligible to attract the “Clerical Staffs—office work”, or “Commercial Travelling”, tariffs are to each be allocated to one of those two or more separate and distinct businesses. Any such allocation will be on the following basis:
(a) if such an employee is occupied wholly or predominantly in just one of the employer’s separate and distinct businesses then the entire wages of the employee will attract the tariff classification premium rate appropriate to that business,
(b) if such an employee is occupied substantially in more than one of the employer’s separate and distinct businesses then the entire wages of the employee will attract the lowest tariff classification premium rate appropriate to the various business activities in which the employee is occupied. (In the event that those two or more separate and distinct businesses each have the same basic tariff rate then the employee’s entire wages will attract the tariff classification with the lowest rate number.)
9
9
9
If an employer has employees who fall within the business covered by Table A’s tariff rate numbers 529, 558, 714, 723 or 907, the employees are to be rated on the basis of those respective tariffs, rather than on the basis of the employees’ wages.
10
10
10
To be eligible for tariff rate number 666 (Financial Institutions (a)) an employer must carry on only one business and such a business must be of the type attracting tariff rate number 666.
11
11
11
“Mfg” means “Manufacturing”.
12
12
12
“n.o.c.” means “Not Otherwise Classified”.
Source text: opening excerpt
Sourced from legislation.nsw.gov.au, CC BY 4.0.
Schedule 1 Interpretation
Schedule 1 Interpretation
Schedule 1 Interpretation
1 Definitions
1 Definitions
1 Definitions
(1) In this Order:
basic tariff premium, in relation to a policy, means the basic tariff premium for the policy calculated in accordance with Schedule 3.
category A employer, in relation to a policy, means an employer whose basic tariff premium for the policy at the time at which the insurer first demands a premium for the policy would exceed $2,000, assuming the period of insurance to which the premium relates to be 12 months (whether or not that period of insurance is in fact 12 months).
category B employer means an employer, other than a category A employer.
claim means a claim made by a person against an employer to which a policy relates.
dust diseases contribution, in relation to an employer, means an amount equivalent to the contributions, if any, payable by an insurer in respect of the employer to the Workers’ Compensation (Dust Diseases) Fund and the Dust Diseases Reserve Fund.
employer includes a person who proposes to become an employer.
insurer means a licensed insurer, or a former licensed insurer, within the meaning of the Act.
period of insurance, in relation to a policy, means a period for which an insurer assumes risk under the policy, being a period which commences on the first day on which the policy is in force after having been issued or renewed.
policy or policy of insurance means a policy of insurance within the meaning of the Act.
premiums adjustment contribution, in relation to an employer, means an amount equivalent to such part of the contributions, if any, payable by an insurer to the Premiums Adjustment Fund under section 208 of the Act as relates to the premium payable by the employer to the insurer.
regulations means regulations under the Act.
the Act means the Workers Compensation Act 1987.
wages means wages as defined in section 174 (9) of the Act.
(2) The value of any amount of money calculated or included in a calculation under this Order is to be expressed in dollars.
(3) In this Order, a reference to wages which are payable by an employer includes a reference to wages which have been paid by the employer.
2 Determination of wages
The document is both prescriptive in calculation and prescriptive about administrative flows: insurers estimate wages and classify businesses by reference to employer returns under the regulations; employers can apply to the WorkCover Authority to contest estimates or classifications (Schedules 1 and 3). The Order specifies particular temporal and eligibility conditions for a special premium reduction aimed at hiring previously injured or long-term unemployed workers, and also sets explicit penalties in calculation terms for non-compliance with return obligations (for example insurer may increase W1 by 15% for missing returns, Schedule 5(2)).
All references below cite clauses and table entries in the Order as the primary source. Statements about purpose or benefits (for example incentives to hire certain workers) are explicitly presented as the operational effect or likely incentive implied by the text, not as external policy endorsement.
Main concepts
The Order organises premium-setting around a small set of interlocking concepts. These are the levers the regulator and insurers use to convert employer-level information into dollars payable for workers compensation cover.
Basic tariff premium (T). Defined in Schedule 3. T is calculated by allocating an employer’s relevant wages into parts Wa, Wb … Wn that correspond to classifications in Table A, and applying the percentage rates Ra, Rb … Rn in Column 3 of Table A. The Table maps industry activity to a rate and a rate number. Schedule 3(1) contains the formula (referenced in the text). The employer’s business determines classification (Table A notes 1-6).
Experience adjustment factor (S). Defined in Schedule 4. S is an adjustment that requires two years of prior insurance and submission of claims particulars in accordance with the regulations. Where those requirements are met, S is calculated by a formula in Schedule 4(1)(a); otherwise S is 0 (Schedule 4(1)(b)). Special treatment permits former self-insurers to be treated as having been insured for the required period (Schedule 4(2)).
Experience premium (E). Defined in Schedule 5. E is a function of current and past wages and claims costs (W, W0, W1, W2, C0, C1, C2) and a set of numeric factors F30-F34 and C1-C2 as described. The Schedule distinguishes calculation methods for interim/shorter-than-12-month periods and for periods of 12 months or longer. The Schedule explicitly excludes the cost of "Journey claims" (claims under s 10 of the Act) from the C0, C1, C2 totals. It also permits the Governor, on the recommendation of the WorkCover Authority, to determine F32-F34 and requires Gazette notification.
Excess surcharge factor (X). Defined in Schedule 6. X equals 0.05 for category B employers who have not agreed with their insurer to have the employer pay the first $500 (or lesser agreed amount) of each claim arising in the period. In other cases X = 0. This creates an explicit premium surcharge where no deductible arrangement exists.
Minimum premium. Schedule 7 sets minimum premiums for category B policies where the employer is not required to pay the first $500 per claim: $30 for domestic or similar worker policies and $80 for other policies. If calculated premium would be less than the minimum, it must be increased to the minimum.
Wages and their determination. Schedule 1 (clause 2) defines how to determine wages for the purposes of premium calculation: generally a reasonable estimate of total wages payable during the period as calculated by the insurer from employer returns under the regulations; where the employer disagrees they may apply to the WorkCover Authority for determination; where wages have been ascertained, the actual value is used.
Policy scope and temporal application. Schedule 2 restricts the order to policies taking effect during a one-year window (4 pm 30 June 1991 to 4 pm 30 June 1992), with a provision to continue to apply to later-starting policies if no new insurance premiums order has been made by the cut-off date.
Classification and apportionment rules. Table A and its notes set how employers carrying single or multiple businesses are classified, how "clerical staff" are treated (no separate tariff), and how employees who work across businesses are allocated (Table A notes 1-12).
Operationally, the Order ties premiums to employer-reported wages, insurer classification, historical claims experience where available, and optional deductible arrangements. It builds administrative routes for dispute (application to WorkCover Authority), for insurer discretion where employer fails to comply (Schedule 5(2)), and for executive setting of constants used in formulae. The Order also inserts time-limited hiring subsidies via Schedule 9.
Who it affects
The Order identifies a set of actors whose rights, obligations and costs change through the prescribed mechanics. The principal affected parties are:
Employers. Every private employer other than those explicitly exempted (Schedule 2(2)) who takes out or renews a workers compensation policy within the Order’s temporal scope is directly affected because their premium is computed under these Schedules. Employers fall into two administrative categories: category A employers (basic tariff premium would exceed $2,000 on a 12‑month basis at the time insurer first demands premium) and category B employers (all others), see Schedule 1, cl 1(1). Category determines exposure to minimum premiums and the potential application of the excess surcharge factor X via Schedule 6 and Schedule 7. Employers who hire workers who are partially incapacitated or unemployed within the narrow Schedule 9 window can potentially reduce their premium calculation by excluding certain wages, subject to guidelines and the Authority’s requirements.
Insurers (licensed insurers or former licensed insurers, as defined in Schedule 1, cl 1(1)). Insurers are given the primary role in calculating estimated wages, applying tariff classifications, calculating initial premiums, and making adjustments after the insurance period. They are required to use employer returns furnished in accordance with the regulations (Schedule 1 cl 2; Schedule 3 cl 2). They may also exercise defined discretions: for example insurers may increase W1 by 15 per cent in the experience premium formula if the employer seeking renewal fails to supply a duly completed return (Schedule 5(2)).
WorkCover Authority. The Authority has multiple decision-making and recommendation roles. It can determine wages where an employer disagrees with an insurer’s estimate (Schedule 1 cl 2); it can determine classification and wage attribution disputes under Schedule 3(2) by reference to employer returns; it can make recommendations to the Governor on determination of numeric factors F32-F34 and notify them in the Gazette (Schedule 5(1)). It may also issue guidelines under Schedule 9 specifying method of applying for the premium reduction and required documentary evidence (Schedule 9 cl 4). Thus the Authority is a key administrative arbiter and adviser in the regime.
Governor/Executive. The Governor, on the recommendation of the WorkCover Authority, determines some constants used in the experience premium formula and is responsible for Gazette notification (Schedule 5(1)). That is an executive-level role but confined to specific numeric parameters.
Workers indirectly. While workers do not appear as parties to the premium calculation process, the wage basis of the premiums, the classification of employer activity, and the experience adjustments derived from claims history can affect employer incentives around hiring, workplace safety investments, and return-to-work practices. Schedule 9 also creates a specific incentive for employers to hire previously injured or long-term unemployed workers during a narrow window.
Specific excluded entities. The Order does not apply to policies exempted under s 168(4)(a) and (b) of the Act and the Workers Compensation (Insurance Premiums) Regulation 1987, specifically: policies issued by the Government Insurance Office in respect of central Government workers; policies deemed to be held by an employer under s 158 in respect of trainees; and policies issued or renewed by specialised insurers (Schedule 2(2)). Self-insurers are excluded from Schedule 9 reductions (Schedule 9 cl 5).
Geography and temporal limits are material. The Order applies to a one-year policy window and contains transitional provision if a subsequent order is not made by 30 June 1992 (Schedule 2). The Schedule 9 premium reduction applies only to wages for first 12 months of employment of workers first employed between 1 February 1992 and 1 July 1992 inclusive, subject to eligibility criteria (Schedule 9 cl 3).
In short, employers bear the immediate monetary cost and compliance burden, insurers perform estimation, calculation and collection tasks with limited technical discretions, the WorkCover Authority adjudicates disputes and issues guidance, and the Governor sets some formula constants.
Key duties and rights
The Order allocates duties and rights among the parties in formulaic and administrative terms. Key duties and rights with direct compliance implications are:
Duties on employers
Provide accurate returns of wages and other particulars required by the regulations to their insurer. Insurer calculations of wages and tariff classifications rely on returns furnished by the employer (Schedule 1 cl 2; Schedule 3 cl 2).
Where seeking the Schedule 9 premium reduction, make application in the manner specified by guidelines issued by the WorkCover Authority, and attach required documentary evidence (Schedule 9 cl 4 and cl 3(2)). Schedule 9 also requires that the worker be first employed after 1 February 1992 and before 1 July 1992 and not be casual or temporary (Schedule 9 cl 3(1)).
Comply with any agreement with the insurer to pay the first $500 or lesser agreed amount of each claim where such agreement exists, to avoid the excess surcharge factor X (Schedule 6).
Pay additional premium or accept refund within four months after the end of the relevant period if the actual premium differs from the estimate (Schedule 8).
Rights of employers
To dispute an insurer’s wage estimate or classification by applying to the WorkCover Authority for an estimate or determination (Schedule 1 cl 2; Schedule 3 cl 2).
To avail themselves of the Schedule 9 reduction if they meet the eligibility criteria and procedural requirements.
To have minimum premium protections apply for category B employers where calculated premium would fall below prescribed floors (Schedule 7).
Duties on insurers
Calculate the basic tariff premium T in accordance with Schedule 3 by allocating wages to the classifications in Table A and applying the percentage rates or specified alternative calculation methods where Column 3 provides them (Schedule 3 cl 1-2; Schedule 3 cl 2).
Where employers do not supply required returns as prescribed by the regulations, insurers may apply the Schedule 5(2) rule to increase W1 by 15% when calculating the initial premium payable on renewal.
Include, as part of contributions, payments to funds referenced in definitions such as the Dust Diseases Fund and Premiums Adjustment Fund where applicable, recognising those amounts in premium components (Schedule 1 cl 1(1) definitions).
For experience-based adjustments, accept particulars of claims from the employer that comply with the regulations and then calculate the experience adjustment factor S and experience premium E in accordance with Schedules 4 and 5.
Apply the excess surcharge factor X per Schedule 6 where the employer does not have an agreement to pay the first $500 of each claim.
Rights of insurers
To rely on employer returns furnished under the regulations in deriving wage estimates and tariff allocations (Schedule 1 cl 2; Schedule 3 cl 2).
To increase their estimates in specified ways where employers fail to supply returns as required (Schedule 5(2)).
Powers and duties of the WorkCover Authority and Governor
WorkCover Authority: determine wages or classifications on application by the employer where the employer disputes an insurer’s estimate (Schedule 1 cl 2; Schedule 3 cl 2); recommend to the Governor numeric factors F32-F34 for Schedule 5; issue guidelines and requirements for Schedule 9 applications (Schedule 9 cl 4).
Governor: on recommendation from the WorkCover Authority determine F32-F34 used in Schedule 5 and notify such determinations in the Gazette (Schedule 5(1)).
Other operational duties
Exclusion of journey claims from the C0, C1 and C2 claim cost totals used in Schedule 5’s experience premium calculation, as explicitly stated in Schedule 5(1) explanatory text.
Application of minimum premiums (Schedule 7) and post-period reconciliation payments or refunds within four months (Schedule 8).
The Order does not create new criminal sanctions or civil penalty regimes within the text provided. It creates administrative rights to apply to the WorkCover Authority, defines insurer discretions in the event of non-compliance by employers, and creates explicit calculation consequences for failing to supply prescribed information. These create compliance incentives and operational rights to challenge insurer calculations through the Authority.
Penalties and enforcement
The text of the Order does not introduce standalone criminal penalties or civil penalty mechanisms. Enforcement is implemented through calculation rules, administrative discretions, and financial flows. The following enforcement mechanisms and "penalty-like" effects are present in the source:
Administrative and financial enforcement mechanisms
Estimation consequences for failure to supply returns. If an employer seeking renewal does not provide a duly completed return as required by the Workers Compensation (Insurance Premiums) Regulation 1987, the insurer may increase the W1 term in the experience premium formula by 15 per cent when calculating the initial premium on renewal (Schedule 5(2)). This is an explicit monetary downside to non-compliance with reporting obligations.
Minimum premium enforcement. Where the calculated premium for a category B policy would be below the prescribed minimum ($30 for domestic or similar worker policies; $80 for other policies), the insurer must increase the amount to the minimum (Schedule 7(2)). The minimum serves as a floor that effectively enforces a baseline payment irrespective of calculated risk.
Excess surcharge. For category B employers that do not agree to pay the first $500 of each claim, an excess surcharge factor X = 0.05 applies (Schedule 6). That surcharge is a built-in enforcement mechanism to encourage deductible arrangements, or alternatively to impose a higher premium on employers who do not accept a specified deductible level.
Reconciliation obligation. Where actual premium payable after a period differs from the premium estimated at commencement, the difference must be met by further payment by the employer or by a refund within four months of the end of that period (Schedule 8). This creates a short, enforceable reconciliation window.
Reliance on established funds and contributions. The definitions in Schedule 1 incorporate into the employer/insurer cost picture contributions to the Workers’ Compensation (Dust Diseases) Fund, the Dust Diseases Reserve Fund and the Premiums Adjustment Fund (Schedule 1 cl 1(1) definitions). While the Order itself does not specify enforcement of contributions to those funds, it makes them part of the premium calculus and thereby enforces the insurer’s obligation to remit such contributions under the Act (for example s 208 for the Premiums Adjustment Fund is referenced in the definition of premiums adjustment contribution).
Administrative routes and dispute resolution
Rights to apply to WorkCover Authority. Employers who disagree with an insurer’s estimate of wages or tariff allocation can apply to the WorkCover Authority for determination (Schedule 1 cl 2; Schedule 3 cl 2). That administrative right is the principal dispute resolution route provided in the text.
Governor and Authority roles. The Governor’s power to set constants F32-F34 on the recommendation of the WorkCover Authority (Schedule 5(1)) and the Authority’s ability to issue guidelines for Schedule 9 applications (Schedule 9 cl 4) constitute governance and compliance procedural levers.
What is not in the text
The Order does not set out penalties (criminal or civil pecuniary penalty provisions) for deliberate misstatement, fraud or false returns. Enforcement appears embedded in the Act and regulations rather than in the Order itself. The Order provides financial consequences tied to calculation mechanics rather than standalone punitive measures.
The Order does not specify auditing powers or enforcement processes in detail; those powers and processes will be found in the Act and the associated regulations as referenced in the Order.
In practice, then, enforcement is primarily through calculation consequences (surcharges, minimums, estimation uplifts), insurer actions based on employer reporting, and administrative determinations by the WorkCover Authority. These are the mechanisms that translate compliance failures into monetary or administrative outcomes under the Order as drafted.
How it interacts with other laws
The Order is drafted as part of the Workers Compensation statutory architecture and repeatedly cross‑references the Workers Compensation Act 1987 and regulations under that Act. The key interactions shown in the source are:
The Act as the foundational statute. The Order defines many of its terms expressly by reference to the Act. For example, "policy or policy of insurance" and "wages" rely on the meanings within the Act and its s 174(9) definition of wages is explicitly invoked in Schedule 1 cl 1(1). The Order utilises functions and funds created by the Act: the Premiums Adjustment Fund (s 208 of the Act) is referenced in the definition of premiums adjustment contribution (Schedule 1 cl 1(1)), and the Dust Diseases Fund and Dust Diseases Reserve Fund are referenced in the dust diseases contribution definition (Schedule 1 cl 1(1)).
Regulations under the Act. The Order repeatedly requires employers and insurers to act "in accordance with the regulations" in relation to returns, particulars of claims, and other procedural steps (Schedule 1 cl 2; Schedule 3 cl 2; Schedule 4 cl 1(a)(ii)). This means the Order delegates detail to subordinate instruments, and the content and form of returns, and the specifics of particulars of claims, are governed by those regulations rather than the Order itself.
Specific Act sections referenced. The Order excludes "Journey claims" from C0, C1 and C2 in Schedule 5 as claims under section 10 of the Act. The exemptions in Schedule 2(2) refer to s 168(4)(a) and (b) of the Act and to s 158 of the Act for trainees deemed coverage. The meanings of "licensed insurer" and "policy of insurance" are those in the Act.
Funds and contributions. The Order makes insurer contributions to statutory funds part of the premium calculus (dust diseases contribution, premiums adjustment contribution). The insurers’ obligations to remit to these funds will be enforced under the Act and regulations, with the Order ensuring the amounts show up as components.
WorkCover Authority functions. The Order assigns the Authority decision and recommendation functions that are internal administrative roles under the Act. The Authority’s powers to decide wage determinations or to issue guidelines for Schedule 9 applications are functions that operate within the statutory regime established by the Act.
Gazette and executive determinations. Schedule 5(1) explicitly provides for the Governor to determine the numeric factors that feed the experience premium calculation, on the Authority’s recommendation, with Gazette notification. That ties the Order into executive rule‑making and public notice mechanisms governed by general administrative law and the Act.
Interaction with earlier subordinate legislation. Schedule 2(2) expressly states that certain policies are exempt as set out in the Workers Compensation (Insurance Premiums) Regulation 1987; the Order must therefore be read alongside that regulation to determine full scope.
Absence of standalone enforcement. Enforcement mechanisms such as penalties for false reporting are not found in this Order. They will appear, if at all, in the Act and associated regulations. The Order relies on the Act/regulation matrix for the legal infrastructure surrounding returns, audits, appeals, and fund remittances.
Practically, anybody using the Order must consult the Act and relevant regulations to understand the definitions, the content and form of returns and particulars, the statutory duties on insurers, and any sanctions for misstatement or failure to comply. The Order prescribes calculation mechanics and administrative flows while depending on the Act and subordinate regulations for the detailed framework of compliance and enforcement.
Amendment history
The text provided contains only limited explicit amendment notes embedded in the schedules themselves. The recorded amendment-related items in the Order are:
Schedule 9 insertion note. Schedule 9 carries the marginal note "sch 9: Ins 14.2.1992." This indicates that Schedule 9 (the premium reduction for employers of previously injured or unemployed workers) was inserted on 14 February 1992. The text of Schedule 9 itself specifies an eligibility window for employment commencing after 1 February 1992 and before 1 July 1992, so that insertion appears to be a targeted, date-limited measure added after the Order’s initial operation.
Schedule 5 numeric determinations and Gazette note. Schedule 5(1) states that F32, F33 and F34 are to be determined by the Governor on the recommendation of the WorkCover Authority and notified in the Gazette. The editorial note attached in the source records that F32, F33 and F34 "have been determined as 3.5, 2.5 and 2.2 respectively. See Gazette No 70 of 15.6.1992, p 4049." That is an administrative follow-on to give operational effect to the formulae in Schedule 5. The Schedule also fixes F30 at 3.4 and F31 at 2.4 in the text.
Temporal application provisions. Schedule 2 provides that the Order applies to policies taking effect between 4 pm 30 June 1991 and 4 pm 30 June 1992. It contains a transitional clause that continues application to policies taking effect after that time if, before 4 pm on 30 June 1992, a later insurance premiums order has not been made. This is a built-in transitional mechanism rather than an amendment, but it does reflect the Order’s temporary or interim design.
No other amendment notes are present in the excerpt. The Table A and notes include no amendment marginalia in the supplied text beyond the Schedule 5 editorial note and the Schedule 9 insertion note.
What the source does not contain and therefore cannot be reported here
The provided text does not include a consolidated history of all amendments, repeals, or subsequent instruments that replaced or superseded this Order. The only explicit amendment record in the supplied text is the insertion of Sch 9 on 14.2.1992 and the Gazette notice about F32-F34.
Any changes to the Workers Compensation Act 1987 that might have later affected the operation of this Order are not shown in this fragment. To compile a complete amendment history one must consult the Act and the subsequent sequence of insurance premiums orders and regulations in the NSW Government Gazette and the legislative database.
Readers reliant on this Order for operational or historical analysis should therefore treat the provided amendment notes as partial. For a full amendment history consult the consolidated versions of the Order in the official legislative database and the Gazette notices referenced for numeric determinations and schedule insertions (for example Gazette No 70 of 15.6.1992 for F32-F34).
Litigation history
The supplied Order text does not include any litigation history. It contains no citations to court decisions, no references to judicial pronouncements about interpretation, and no summary of disputes resolved in courts. The only dispute-resolution mechanism provided within the instrument is administrative: employers who disagree with insurers on wage estimates or classifications may apply to the WorkCover Authority for determination (Schedule 1 cl 2; Schedule 3 cl 2). The Order therefore contemplates administrative determinations rather than litigation as the primary resolution pathway for disputes arising under it.
What this means in practice
There is no case law cited in the source to guide interpretation of ambiguous tariff classifications, the proper allocation of wages across multiple businesses, or the construction of any of the formulae. For interpretation questions such as whether a particular activity is "separate and distinct" under Table A note 6 or whether clerical employees should be allocated wholly to a particular business under Table A notes 7-8, the text directs parties to administrative determination by the Authority rather than to litigation precedents within this instrument.
Any litigation that has been brought in relation to the Order is not recorded in the Order text provided. If judicial decisions exist they will need to be located separately in legal databases and court reports. The Order as supplied cannot be relied on to summarise or list relevant litigation.
Given the administrative appeal paths (application to the WorkCover Authority), parties may be expected to exhaust administrative remedies prior to litigation in many instances, consistent with typical statutory frameworks. The text itself, however, does not require or preclude legal proceedings once administrative avenues have been exhausted.
If court interpretation or litigation history is material to a compliance or risk assessment, a targeted search of NSW tribunal and court decisions, and of administrative determinations by the WorkCover Authority, will be required because the Order text does not provide that material.
Gotchas
The Order contains several detail-driven traps for users that create unintended cost, allocation ambiguity, or administrative burden if not accounted for. These "gotchas" follow from the text and should be checked in practice.
Classification and the absence of clerical tariff
There is no tariff classification called "Clerical Staffs,office work" or "Commercial Travelling" (Table A note 7). Wages for clerical or commercial travelling staff attract the tariff appropriate to the employer’s business. If an employer operates multiple separate businesses, clerical staff are allocated either wholly to one business (if occupied predominantly in that business) or to the lowest tariff classification applicable to the activities in which they are substantially occupied (Table A note 8). Practical effect: employers employing significant numbers of clerical staff cannot fall back on a low "clerical" rate; the clerical wages may raise average premium rates depending on business classification.
Multi-business apportionment complexity
If an employer carries on more than one business, the rules require separate and distinct businesses to be identified (Table A notes 2-6). Determining whether operations are "incidental" or "separate and distinct" requires factual analysis of operations, employee identity, and locations. Disputes are likely. The Authority is empowered to determine allocations (Schedule 3 cl 2), but this creates administrative uncertainty and possible retroactive premium adjustments.
Timing and policy window
The Order’s core temporal application is limited to policies taking effect in a one-year window (Schedule 2 cl 1). Schedule 9, the hiring incentive, is time-windowed (workers first employed after 1 Feb 1992 and before 1 July 1992). These tight windows can create mismatches between hiring decisions and eligibility for premium reductions. Employers who miss the window cannot rely on retrospective correction unless the Authority’s guidelines allow otherwise.
Employer returns and insurer discretion
The insurer’s reliance on employer returns is primary. Failure to supply returns triggers a concrete insurer power to increase W1 by 15% in the experience premium calculation for renewal (Schedule 5(2)). That is an explicit financial penalty embedded in the calculation rules and may be overlooked by employers used to general administrative follow-ups.
Minimum premium floors
Category B employers face a premium floor ($30 or $80, Schedule 7). Where an employer’s business and wage base would produce a very low premium (for example in domestic worker policies), the minimum overrides the calculated result. Small employers should check whether they are category B and whether their policy includes the $500 first-dollar requirement; otherwise they may pay more than expected.
Excess surcharge interplay with deductible agreements
The excess surcharge X applies only to category B employers who do not agree to pay the first $500 per claim (Schedule 6). However the Order allows the $500 to be a "lesser amount as may be agreed upon." Practically, this creates negotiation leverage: agreeing to a smaller employer excess reduces the employer’s administrative burden but may not always eliminate X unless the agreement explicitly meets the Schedule 6 condition. Clarity in policy wording is required.
Experience adjustment availability conditional on data
S equals zero unless the employer has been insured for 2 years before the period and has supplied particulars complying with the regulations (Schedule 4(1)). Employers with limited insurance history or incomplete claims reporting lose experience-based smoothing. Employers that were self-insurers for the prior period are treated as insured only if they apply the special Schedule 4(2) rule; this requires attention to avoid surprises in premium calculation for formerly self-insured employers.
Exclusion of journey claims
Schedule 5 excludes the cost of Journey claims (claims under s 10 of the Act) from the C0, C1 and C2 totals used in the experience premium calculation. Firms whose claims are largely journey-related will not see those costs reflected in the experience premium, which can materially affect the E calculation.
Cross-reference complexity in Table A
Table A contains many entries that say "rate as for X" requiring cross-navigation across the table and its notes. Practical classification can require iterative look-ups. Insurers may classify by reference to the employer’s own description, but disputes can arise where an activity is not clearly matched to a line in the Table.
Administrative burden of Schedule 9
The Schedule 9 premium reduction requires application "in accordance with any guidelines under this Schedule" issued by the WorkCover Authority and satisfying "any other relevant requirements" (Schedule 9 cl 3(2)). There is no set form in the Order itself. Employers wishing to claim the reduction must monitor Authority guidelines closely and preserve documentary evidence from recruitment and medical/rehabilitation files as required by the guidelines.
In short, the Order embeds many business-critical details in cross-references to returns, regulations and Authority guidelines. Employers and advisers must track subordinate instruments and administrative forms, and pay attention to small numeric and timing thresholds that materially affect premiums.
How to comply
Compliance under the Order involves steps by employers and actions insurers must take to calculate and reconcile premiums correctly. The recommendations below follow directly from the schedules and table provisions.
Step 1 , Identify whether the Order applies and whether you are exempt
Check the policy effective date: the Order applies to policies taking effect on or after 4 pm 30 June 1991 and before 4 pm 30 June 1992, and continuing to apply to later policies only if no later insurance premiums order is in force before 4 pm on 30 June 1992 (Schedule 2(1)-(2)).
Confirm exempt status: verify whether your policy is exempt under s 168(4)(a) or (b) of the Act or the Workers Compensation (Insurance Premiums) Regulation 1987 (Schedule 2(2)). Examples in the Order include Government Insurance Office policies for central Government workers, trainees deemed covered under s 158, and specialised insurers. If exempt, the Order’s computation mechanics do not apply.
Step 2 , Establish your tariff classification and rate
Determine the employer’s business or industrial activity and match it to Table A (Table A notes 1-6). If an employer conducts multiple activities, determine whether they are separate and distinct per Table A notes 2-6. If so, treat each as a separate business and allocate wages accordingly.
Note the special treatment for clerical staff and commercial travellers: there is no separate clerical tariff, so allocate those wages to the employer’s business classification per Table A notes 7-8.
Step 3 , Provide timely and accurate returns to the insurer
Furnish returns of wages and any particulars required by the regulations to your insurer in accordance with the regulations. Insurers base wage estimates and classification allocations on those returns (Schedule 1 cl 2; Schedule 3 cl 2).
Recognise the specific consequence for non-provision at renewal: if you apply for policy renewal and do not supply the duly completed return for the last period of insurance, the insurer may increase W1 by 15% in calculating the initial premium (Schedule 5(2)). Avoid this by timely filing.
Step 4 , Keep and provide claims particulars
To be eligible for the experience adjustment factor S, ensure you have been insured for the two years immediately preceding the period for which the premium is calculated, and that you have supplied to the insurer particulars of claims that comply with the regulations (Schedule 4 cl 1(a)(i)-(ii)). Where previously self‑insuring, treat Schedule 4(2) guidance carefully to ensure historical claims are acknowledged.
Remember that Journey claims are explicitly excluded from C0, C1 and C2 when calculating the experience premium (Schedule 5); ensure claims are categorised correctly.
Step 5 , Consider deductible arrangements to avoid surcharge
For category B employers, the excess surcharge factor X = 0.05 applies unless the employer has an agreement with the insurer that the employer will pay the first $500 (or a lesser agreed amount) of each claim (Schedule 6). If you prefer to avoid the surcharge, negotiate and record a deductible agreement with the insurer. Ensure the deductible amount and operational terms match the Order’s condition.
Step 6 , Be aware of minimum premiums
If you are a category B employer and your calculated premium would be below the minimum set out in Schedule 7 ($30 domestic, $80 other), expect the insurer to increase the premium to that minimum (Schedule 7(1)-(2)).
Step 7 , Reconcile and retain documentation
After the policy period ends, insure the insurer performs reconciliations and issues any additional payment demands or refunds within four months, per Schedule 8. Keep payroll and wage records to support any adjustments.
For Schedule 9 applications (if relevant), follow the WorkCover Authority’s guidelines for application form, manner and documentary attachments (Schedule 9 cl 4). Only wages for eligible workers (first employed by you after 1 February 1992 and before 1 July 1992, not casual or temporary) may be excluded from the premium calculation (Schedule 9 cl 3); applications must satisfy any other Authority requirements.
Step 8 , Use administrative remedies where you disagree
If you disagree with the insurer’s estimate of wages or allocation of classification, apply to the WorkCover Authority for a determination. The Order explicitly provides for this right (Schedule 1 cl 2; Schedule 3 cl 2). Prepare contemporaneous payroll records, contracts of employment and time allocation documentation to support your position.
Step 9 , Monitor Governor/Authority notices
Track any Gazette notices that determine numeric factors used in the experience premium formulae (for example F32-F34 in Schedule 5). The Order authorises the Governor, on the Authority’s recommendation, to determine those factors and publish them in the Gazette (Schedule 5(1)). The actual numbers used in your premium calculation will be those published.
Step 10 , Liaise with your insurer to confirm methodology
Insurers implement the Order’s formulae and will provide documentation of how T, S, E and X have been applied to produce the premium payable. Request an itemised explanation showing the allocation of wages to tariff categories, the rates applied, the computation of S and E, and any uplift applied under Schedule 5(2). This will be essential if you intend to challenge the calculation at the Authority.
Administrative and record-keeping checklist
Maintain payroll records sufficient to demonstrate wages payable and allocation across different business activities for the relevant policy period.
Retain records of claims and the particulars supplied to the insurer in compliance with the regulations.
Keep evidence of any agreement with insurer regarding payment of the first $500 of each claim.
Preserve application documents and attachments if claiming Schedule 9 reductions.
Monitor and archive relevant Gazette notices and WorkCover Authority guidelines.
Following the steps above aligns behaviour with the explicit duties and mechanisms set out in the Order and minimises the risk of insurer uplift, surcharge application, or missed eligibility for experience-based reductions and Schedule 9 exclusions.
In this Order, a reference to wages, in relation to a period of insurance under a policy issued or to be issued to an employer or in relation to a period of 12 months ascertained by reference to any such period of insurance, is a reference:
(a) except as provided by paragraph (b), to a reasonable estimate of the monetary value of all wages payable to workers by the employer in respect of the period of insurance or the period of 12 months, as the case may be:
(i) as calculated by the insurer by reference to the returns, if any, furnished in accordance with the regulations by the employer to the insurer, or
(ii) where the employer does not agree with the estimate of the insurer and applies to the WorkCover Authority for an estimate of that value—as determined by the Authority, or
(b) where the monetary value of those wages has been ascertained—to the actual value of those wages.
Schedule 2 Application
Schedule 2 Application
Schedule 2 Application
1 Policies to which Order applies
1 Policies to which Order applies
1 Policies to which Order applies
(1) This Order applies to and in respect of policies of insurance which are to be or have been issued or renewed so as to take effect on or after 4 pm on 30 June 1991 and before 4 pm on 30 June 1992.
(2) If, before 4 pm on 30 June 1992, an insurance premiums order has not been made in respect of policies of insurance taking effect on or after that time, this Order applies to and in respect of those policies pending the making of such an order.
2 Policies exempt from Order
2 Policies exempt from Order
2 Policies exempt from Order
This Order does not apply to policies of insurance exempted by section 168 (4) (a) and (b) of the Act and by the Workers Compensation (Insurance Premiums) Regulation 1987, namely:
(a) policies issued or renewed by the Government Insurance Office in respect of central Government workers within the meaning of the Act, and
(b) policies deemed to be held by an employer under section 158 of the Act in respect of trainees, and
(c) policies issued or renewed by specialised insurers.
Schedule 3 Basic tariff premium
Schedule 3 Basic tariff premium
Schedule 3 Basic tariff premium
1 General
1 General
1 General
(1) The basic tariff premium (“T”) for an employer is to be calculated in accordance with the following formula:
where:
Wa, Wb…Wn are each a part of the total wages payable to workers by the employer in respect of the period of insurance for which the premium is to be calculated, being a part of the total wages attributable to a classification appearing in Column 1 of Table A applicable to the employer.
Ra, Rb…Rn are each a percentage rate specified in Column 3 of Table A which corresponds with a classification applicable to the employer, being a classification appearing in Column 1 of Table A opposite the percentage rate.
(2) For the purposes of subclause (1), the classifications applicable to an employer and the part of total wages payable by an employer which is attributable to any such classification shall be:
(a) as determined by the insurer by reference to returns, if any, furnished in accordance with the regulations by the employer to the insurer, or
(b) where the employer does not agree with the determination of the insurer and applies to the WorkCover Authority for a determination—as determined by that Authority.
2 Exceptions
2 Exceptions
2 Exceptions
Where a manner of calculation different from that provided by clause 1 is specific in Column 3 of Table A in relation to a classification appearing in Column 1 of that Table, so much of a basic tariff premium as is applicable to that classification is to be calculated in the manner so specified.
Schedule 4 Experience adjustment factor
Schedule 4 Experience adjustment factor
Schedule 4 Experience adjustment factor
1 General
1 General
1 General
The experience adjustment factor (“S”) for an employer is:
(a) where the employer:
(i) has been insured under a policy or policies for the period of 2 years immediately preceding the commencement of the period of insurance for which the premium is to be calculated or has been so insured for a longer period, and
(ii) has, during those 2 years, supplied the insurer with particulars complying with the regulations of claims against the employer,
the factor calculated in accordance with the following formula:
(b) in any other case—0,
where:
T is the basic tariff premium for the employer, calculated with respect to the period of insurance in accordance with Schedule 3 to this Order.
2 Employers who were previously self-insurers
2 Employers who were previously self-insurers
2 Employers who were previously self-insurers
If an employer was not insured for the period of 2 years referred to in clause 1 (a), because the employer was a self-insurer during the whole or any part of that period, the formula in clause (1) (a) applies as if the employer had been insured under a policy (and supplied particulars) during the whole of that period.
Schedule 5 Experience premium
Schedule 5 Experience premium
Schedule 5 Experience premium
1 General
1 General
1 General
(1) The experience premium (“E”) for an employer is to be calculated:
(a)
(i) for the purpose of calculating the initial premium payable before the expiration of the period of insurance for which the premium is to be calculated, and
(ii) after the period of insurance for which the premium is to be calculated has expired (being a period that is less than 12 months),
in accordance with the following formula:
(b) after the period of insurance for which the premium is to be calculated has expired (being a period that is not less than 12 months), in accordance with the following formula:
where:
W is the total of the wages payable to workers by the employer in respect of the period of insurance.
F30 is 3.4.
F31 is 2.4.
F32, F33 and F34 are such numbers as are determined by the Governor on the recommendation of the WorkCover Authority and notified in the Gazette.
Editorial note—
F32, F33 and F34 have been determined as 3.5, 2.5 and 2.2 respectively. See Gazette No 70 of 15.6.1992, p 4049.
C1 and C2 are respectively the totals of the cost of claims for the employer in respect of the last and second last period of 12 consecutive months which occurred before the commencement of the period of insurance (not including the cost of any claims under section 10 of the Act—Journey claims).
C0 is the total of the cost of claims for the employer in respect of the period of insurance (not including the cost of any claims under section 10 of the Act—Journey claims).
W1 and W2 are respectively the totals of the wages payable to workers by the employer in respect of the last and second last period of 12 consecutive months which occurred before the commencement of the period of insurance.
W0 is the total of the wages payable to workers by the employer in respect of the period of insurance.
(2) If an employer:
(a) makes an application to an insurer for the renewal of a policy, and
(b) does not supply the insurer, in accordance with clause 4 (2) of the Workers Compensation (Insurance Premiums) Regulation 1987, with a duly completed return relating to wages paid during the last period of insurance preceding that renewal,
the insurer may, for the purpose of calculating the initial premium payable by the employer for the renewed policy, determine the amount of “W1” in the formula in subclause (1) (a) by increasing by 15 per cent the amount determined as “W” in the calculation of the experience premium for the employer in respect of the last period of insurance preceding that renewal.
6 Definition
6 Definition
6 Definition
In this Schedule, cost of claims has the same meaning as in Part 3 of the Workers Compensation (Insurance Premiums) Regulation 1987.
Schedule 6 Excess surcharge factor
Schedule 6 Excess surcharge factor
Schedule 6 Excess surcharge factor
The excess surcharge factor (“X”) for an employer is:
(a) where the employer is a category B employer and there has been no agreement between the employer and the insurer that the employer will pay the first $500 (or such lesser amount as may be agreed upon) of each claim which arises out of the period of insurance for which the premium is to be calculated, 0.05, or
(b) in any other case, 0.
Schedule 7 Minimum premium—category B employers
Schedule 7 Minimum premium—category B employers
Schedule 7 Minimum premium—category B employers
1 Policies in respect of which minimum premium payable
1 Policies in respect of which minimum premium payable
1 Policies in respect of which minimum premium payable
This Schedule applies to a policy issued to a category B employer (or the renewal of such a policy), being a policy under which the employer is not required to pay the first $500 or other agreed amount of each claim.
2 Minimum premium payable
2 Minimum premium payable
2 Minimum premium payable
(1) For the purposes of this Schedule, the minimum premium is:
(a) in respect of a policy relating to domestic or similar workers—$30, or
(b) in respect of any other policy—$80.
(2) If the premium payable in respect of a policy to which this Schedule applies would (but for this Schedule) be less than the minimum premium in respect of the policy, the amount of the premium shall be increased to that minimum premium.
Schedule 8 Adjustment of premium
Schedule 8 Adjustment of premium
Schedule 8 Adjustment of premium
If the premium payable for a policy under this Order after the end of the period of insurance differs from the premium estimated at the commencement of that period, the difference must be met, within 4 months after the end of that period, by a further payment by the employer or by a refund to the employer, as the case requires.
Schedule 9 Reduction of premium for employers of previously injured or unemployed workers
Schedule 9 Reduction of premium for employers of previously injured or unemployed workers
Schedule 9 Reduction of premium for employers of previously injured or unemployed workers
sch 9: Ins 14.2.1992.
1 Premium to be reduced
1 Premium to be reduced
1 Premium to be reduced
Any premium calculated in accordance with the other provisions of this Order is to be reduced in accordance with this Schedule.
2 Exclusion of certain wages from calculation of premium
2 Exclusion of certain wages from calculation of premium
2 Exclusion of certain wages from calculation of premium
Any such premium is to be reduced by excluding wages to which this Schedule applies from the calculation of the amount of the premium.
3 Wages to which this Schedule applies
3 Wages to which this Schedule applies
3 Wages to which this Schedule applies
(1) This Schedule applies to wages paid by an employer in respect of the first 12 months of employment of any worker who is first employed by the employer (otherwise than on a casual or temporary basis) after 1 February 1992 and before 1 July 1992, but only if:
(a) the worker is partially incapacitated for work as a result of an injury (whether received before or after the commencement of this Schedule) and is no longer employed by a previous employer who employed the worker at the time of the injury, or
(b) the worker has been continuously unemployed for 3 months immediately before being employed by the employer.
(2) However, this Schedule does not apply to any such wages unless:
(a) application for a premium reduction in respect of those wages is made by the relevant employer in accordance with any guidelines under this Schedule, and
(b) any other relevant requirements of the WorkCover Authority are satisfied.
4 Application for reduction of premium
4 Application for reduction of premium
4 Application for reduction of premium
The WorkCover Authority may issue guidelines specifying the method of applying for a premium reduction under this Schedule, including:
(a) the manner and form of an application, and
(b) any documents relating to the application that the employer must attach to it.
5 Definition
5 Definition
5 Definition
In this Schedule, employer does not include a self-insurer.
Schedule A Basic tariff rates
Schedule A Basic tariff rates
Table A Basic tariff rates
Notes
Table A
This is an opening excerpt, not the complete document.