sec.48Employer’s obligation to insure

### sec.48 Employer’s obligation to insure Every employer must, for each worker employed by the employer, insure and remain insured, that is, be covered to the extent of accident insurance, against injury sustained by the worker for— the employer’s legal liability for compensation; and the employer’s legal liability for damages. The obligation to insure under subsection (1) (b) does not include an obligation to insure for an employer’s legal liability for damages for which WorkCover is not authorised to indemnify the employer. The employer’s liability must be provided for— under a licence as a self-insurer under part 4 ; or under a WorkCover policy. WorkCover must not issue more than 1 policy for each employer. However, if the employer is the State, WorkCover may issue 1 policy for each department of government. (sec.48-ssec.1) Every employer must, for each worker employed by the employer, insure and remain insured, that is, be covered to the extent of accident insurance, against injury sustained by the worker for— the employer’s legal liability for compensation; and the employer’s legal liability for damages. (sec.48-ssec.2) The obligation to insure under subsection (1) (b) does not include an obligation to insure for an employer’s legal liability for damages for which WorkCover is not authorised to indemnify the employer. (sec.48-ssec.3) The employer’s liability must be provided for— under a licence as a self-insurer under part 4 ; or under a WorkCover policy. (sec.48-ssec.4) WorkCover must not issue more than 1 policy for each employer. (sec.48-ssec.5) However, if the employer is the State, WorkCover may issue 1 policy for each department of government. - (a) the employer’s legal liability for compensation; and - (b) the employer’s legal liability for damages. - (a) under a licence as a self-insurer under part 4 ; or - (b) under a WorkCover policy.