155Compulsory insurance for employers

#### 155 Compulsory insurance for employers 155 Compulsory insurance for employers (cf former s 18 (1), (5), (6)) > > (1) An employer (other than a self-insurer) shall obtain from a licensed insurer, and maintain in force, a policy of insurance that complies with this Division for the full amount of the employer’s liability under this Act in respect of all workers employed by the employer and for an unlimited amount in respect of the employer’s liability independently of this Act (but not including a liability for compensation in the nature of workers compensation arising under any Act or other law of another State, a Territory or the Commonwealth or a liability arising under the law of another country) for any injury to any such worker. > > > > Maximum penalty—500 penalty units or imprisonment for 6 months, or both. > > > (1AA) An employer must not at any one time maintain in force more than one policy of insurance for the purposes of subsection (1) (ignoring any policy of insurance effected by the employer for the purposes of compliance with section 31 of the [Coal Industry Act 2001](/view/html/inforce/current/act-2001-107)). > > > > Maximum penalty—500 penalty units. > > > (1A) In subsection (1), injury includes a dust disease as defined in the [Workers’ Compensation (Dust Diseases) Act 1942](/view/html/inforce/current/act-1942-014) and the aggravation, acceleration, exacerbation or deterioration of a dust disease as so defined. > > > (1B) A policy of insurance (whether issued before, on or after the commencement of this subsection) does not, subject to the regulations, insure an employer’s liability for GST payable on the settlement of a claim and the employer’s uninsured liability for GST in these circumstances is not a liability to which subsection (1) applies. > > > > A regulation made for the purposes of this subsection may apply to a policy of insurance whether issued before, on or after the commencement of this subsection, as the regulation may provide. > > > > In this subsection, employer, in relation to a worker, includes a principal within the meaning of section 20 who is liable to pay compensation to the worker. > > > > Note. > > > > An employer may incur liability for GST on the settlement of a claim if the employer has failed to notify the insurer of the employer’s entitlement to an input tax credit for a premium paid by the employer for the policy of insurance issued by the insurer. > > > (2) Where several persons may become liable in respect of an injury to the same worker— > > > > > (a) it shall be sufficient to obtain a joint policy of insurance in respect of that liability, and > > > > > (b) the premium chargeable in respect of the policy shall not exceed the current rates for insurance of an employer’s liability in respect of workers engaged in the same industry, trade or business. > > > (3) In any proceedings for an offence against subsection (1), proof— > > > > > (a) that an employer, not being a self-insurer, who has been served pursuant to section 161 (1) with a notice requiring the employer to produce for inspection (or to supply particulars, specified in the notice, of) a policy of insurance obtained by the employer and in force at a specified date or between specified dates has not so produced (or so supplied specified particulars of) any such policy so in force, and > > > > > (b) that the time for compliance with the notice has expired, > > > > shall be sufficient evidence, unless the contrary is proved, that at that date or between those dates the employer had failed to comply with subsection (1). > > > (3A) It is a defence to a prosecution for an offence under this section concerning an employer’s liability in respect of a worker if the court is satisfied that at the time of the alleged offence— > > > > > (a) the employer believed on reasonable grounds that the employer could not be liable under this Act in respect of the worker because under section 9AA the worker’s employment was not connected with this State, and > > > > > (b) the employer had workers compensation cover in respect of the worker’s employment under the law of the State or Territory with which the employer believed on reasonable grounds the worker’s employment was connected under section 9AA. > > > (3B) In subsection (3A), workers compensation cover means insurance or registration required under the law of a State or Territory in respect of liability for statutory workers compensation under that law. > > > (4) The Authority may undertake not to prosecute a person for an offence under this section in respect of a failure by the person to obtain or maintain in force a policy of insurance on condition that the person pays to the Authority the amount that the Authority is entitled to recover under section 156 in respect of the failure or such lesser amount as the Authority may determine to accept. If the person pays the amount in compliance with any terms and conditions of the undertaking, the person is not liable to be proceeded against or convicted for an offence under this section in respect of the failure concerned. > > > (5) The regulations may make provision for or with respect to an amnesty for contraventions of this section, such that a person who satisfies the conditions of the amnesty is not liable to be prosecuted for an offence under this section in respect of such a contravention and is not liable to recovery under section 156 in respect of such a contravention. > > **s 155:** Am 1989 No 133, Sch 1 (2); 1993 No 47, Sch 1; 1995 No 30, Sch 1 \[1\]–\[4\]; 1995 No 89, Sch 1 \[78\] \[79\]; 2000 No 44, Sch 12.1 \[3\]; 2000 No 87, Sch 16.2 \[1\]; 2002 No 124, Sch 1.1 \[5\]; 2008 No 22, Sch 1 \[1\].