State-based self insurance

Workers compensation claims for self insured businesses

<strong>Breanna Bergin</strong>
Breanna BerginGeneral Manager, National Self Insurance

“Self insurance is a big decision for any business. Our team appreciates being a TPA for your business and are committed to supporting your injury management and license needs.”

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When workplace injuries happen, quick and effective support is essential. For self insured businesses, it’s up to the employer to arrange care and recovery. Since 2014, we’ve helped businesses confidently manage this responsibility as a third-party administrator (TPA).

As a trusted TPA for self insured companies across Australia, we ensure claims are handled in full compliance with state legislation, prioritising employee recovery and return-to-work. Self insurance gives businesses more control over workers compensation claims, helping them to manage costs and streamline the process and experience for injured workers.

With experienced claims specialists across Australia who understand the challenges and requirements of self insurance, our tailored support ensures employers and workers are well taken care of, no matter where they are.

For self insured businesses

Solutions that flex with your needs

We will work with you to design a flexible self insurance solution that makes the most of your existing services. Our client-centred model offers you a broad range of services to choose from. As a third-party claims administrator, we can administer your self insurance in part or in full.

We have expert staff and proven strategies in early intervention and claims management. Our team of claims specialists have expertise in legislation, medical treatment and recovery. Reduce claim costs and improve liability outcomes with sound decision-making and benefit provision.

Technology services

Self insurance often demands specialised IT systems. We design and install technology solutions that support a range of business activities. We also offer the outsourced option of a single point of supply supporting an end-to-end managed service.

Risk sharing options

Spread your self insurance risk by sharing it with us. As an APRA-licenced insurer, we have the capability to take on part of your workers compensation liability. This reduces the reserve you need to carry on your balance sheet.

Consultancy services

We can help you build the kind of return to work strategies that will deliver results. Use our specialist skills and experience to achieve sustainable outcomes. We'll collaborate with you to apply best practice to your self insurance activities.

Staffing solutions

Meet your statutory obligations and performance standards with experienced state-based self insurance claims managers. Our people are available on or off-site in both urban and regional areas. They specialise in all areas of claims management, such as early intervention, legal, compliance and training.

Reduce claim costs and improve liability outcomes

By partnering with us, you can enjoy the benefits of self insurance. We work with you to help your injured workers recover and return to work, limiting your exposure to unnecessary claims costs.

We have a national team of experienced workers insurance experts. Use our talent and resources to improve your business outcomes. Even better, focus on your core business and leave us to tailor our capabilities to the specific needs of your organisation.

Resources

Resources for claims, recovery and workplaces

Training

Customised and flexible learning for workplace peace of mind

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Meeting your workers compensation payment obligations: Ensuring workers are not underpaid following the legislative changes

From 1 January 2025, intentional wage underpayment is a criminal offence under Commonwealth law, and Worker Compensation payments are included. This session with experts from Australian Payroll Association and EML will help employers review Worker Compensation wage practices to ensure accurate payments, meet wage obligations and maintain compliance.
Host : Australian Payroll Association; EML

Workers compensation: National updates and insights

This session is designed to provide employers with an update on current issues impacting workers compensation schemes, the latest trends, external factors and legal implications, and the expected implications of these issues for employers across the jurisdictional Workers Compensation schemes of SA, NSW and VIC.
Host : Internal

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Health and safety for a workforce “working from home” and in isolation

Employers need to adapt to a rapidly changing workforce, where flexible work arrangements are the new norm and the risk profile is new and unpredictable. This session confirms employer obligations for managing employees working from home, and those who are isolated or work remotely. Learn how to identify and manage the associated risks for these workers and how to implement effective controls when face to face management is not possible.
Host : PHSA

Safe work design: How to mitigate risks by designing physically and psychologically safe workplaces

Designing a safe workplace is essential to the wellbeing of all employees. This session looks at the key elements to consider when designing a safe workplace both from a physical and psychological perspective and understanding controls to eliminate or mitigate emerging risks. The session also looks at how to implement strategies to support a workplace culture that builds workplace health and safety into everyday actions.
Host : PHSA

The diversity dilemma

This session explores the tension employers experience when navigating diversity and inclusion conversations. While most people want to be respectful, fear of “getting it wrong” can lead to silence or avoidance. The session reframes inclusion as a professional capability, highlighting how unconscious bias and everyday behaviours shape belonging. Through practical insights and light humour, participants gain simple, actionable strategies and leave with greater confidence, clarity and tools to build a more inclusive workplace.
Host : The Happychondriac Society

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Complex case management: Return to work planning for psychological injuries

Return to work (RTW) planning for psychological injuries requires a different approach to capacity, suitable duties, communication, and risk controls. This practical session provides clear guidance to build and review plans that can be effectively implemented in workplaces, align to obligations and support recovery. Participants will leave with a structured planning method to reduce relapse risk, improve stakeholder alignment, and increase durable RTW outcomes.
Host : Workplace Interventions

Role of the Return to Work Coordinator (VIC)

This WorkSafe Victoria endorsed Return to Work (RTW) program is designed to equip RTW Coordinators with the tools they need to effectively manage return to work under the requirements of the legislation and the principles of effective injury management. A WorkSafe endorsed certificate will be provided upon full participation in the two-day RTWC program. All pre work materials will be provided.
Host : Workplace Interventions

Injury management and return to work planning for hybrid and remote workers

Injury management for hybrid and remote workers demands a modern approach that recognises the unique risks and challenges of dispersed teams. Effective return to work planning blends clear communication, tailored support, and flexible duties that align with each worker’s environment. Organisations that invest in proactive strategies not only reduce recovery time but also strengthen trust and wellbeing across their workforce.
Host : IPAR

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Mental Health First Aid (NSW)

This two-day face to face workshop provides participants with the essential skills to provide mental health first aid in the workplace with participants receiving accreditation as a Mental Health First Aider through Mental Health First Aid Australia.
Host : Internal

Mental Health First Aid (VIC)

This two-day face to face workshop provides participants with the essential skills to provide mental health first aid in the workplace with participants receiving accreditation as a Mental Health First Aider through Mental Health First Aid Australia.
Host : The Happychondriac Society

Men’s mental health at work: From insights to action

With three in four suicides in Australia being men, male mental health remains a critical workplace issue. This panel brings together research, lived experience and frontline expertise to examine the drivers of severe psychological distress in Australian male workers. Drawing on SuperFriend’s Invisible Strain findings, Dr Di Sheppard outlines who is most at risk, key workplace factors, and effective support pathways. Noni Byron translates the evidence into practical actions leaders can implement, while MATES representatives share real‑world perspectives and peer-support strategies. Together, the panel will help workplaces create safer, more supportive environments for men, and all employees.
Host : SuperFriend; PHSA; MATES

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