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.

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

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

Upcoming sessions

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

The death of manual handling training: What can we learn and unlearn from Olympic lifters

This session challenges the long held belief that “how to lift” training prevents injuries. Despite its popularity, safety regulators and research show it’s ineffective and can even cause harm. Together we’ll unpack why technique isn’t the protective factor many assume, explore what the evidence actually says, and examine real world case studies. We’ll also look at sensor technologies, lifting aids, and other factors that genuinely influence safe manual handling.
Host : Procare, BodyGuide

Psychological safety for supervisors: Your role in preventing claims

Most mental injury claims don’t come out of nowhere, they build over time in environments where people don’t feel safe to speak up. This session helps frontline leaders and supervisors create the kind of culture that prevents risk before it escalates.
Host : Lysander

EQ: The leadership skill that builds psychological safety

Great leadership isn’t just about strategy — it’s about self-awareness. This panel session equips leaders with practical emotional intelligence skills to elevate communication, sharpen decision-making, foster psychological safety, and unlock stronger team performance. Walk away with tools you can apply immediately to lead with clarity, confidence and impact.
Host : PHSA

Upcoming sessions

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

Supporting staff return to work with a mental injury

This session delves into the key mental health and injury barriers encountered throughout the return to work process from multiple perspectives, including the worker, employer, agent, and rehabilitation provider. Customised strategies aimed at effectively overcoming these barriers are also discussed.
Host : IPAR

Complex case management: Barriers to return to work

Complex claims stall when barriers stack up and aren’t identified early. This interactive session provides a practical framework to quickly pinpoint what’s holding return to work back across medical, psychosocial, workplace, and system factors and apply targeted strategies to move the claim forward. Participants will strengthen decision-making, improve collaboration with stakeholders, and support sustainable return to work outcomes in cases involving multiple risk factors or prolonged absence.
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.

Mentally healthy workplace – Taking a psychosocially informed approach

This session helps senior leaders understand the strategic importance of psychosocial hazards and risks. It explores how these risks arise and interact, enabling executives to build effective frameworks and organisational norms that support early identification and management. By strengthening leadership capability, the session equips organisations to proactively foster and maintain a psychologically safe workplace.
Host : Psychological Safety Australia

Mind matters: Helping young workers thrive at work

Join us for this panel session as Dr Mark Deady (UNSW), Dr Claire Madden, Pinar Karabulut (PHSA), and Karen Marshman (Let’s Talk Australia) explore the unique mental health challenges facing young workers, including stress, burnout, uncertainty, and the pressures of early‑career environments. Through practical insights and discussion, the session empowers leaders and peers to create psychologically safe, inclusive workplaces where young workers feel valued, supported, and equipped to thrive.
Host : PHSA; Dr Claire Madden; Black Dog Institute ; Let's Talk Australia

Mental Health First Aid (Hybrid)

This one-day virtual 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

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