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.

Fundamentals of injury management and return to work planning

This session provides an overview of injury management and return to work principles, including employer obligations, communication practices, and recovery planning. Participants will gain practical knowledge to support injured workers, promote recovery at work, and contribute to positive health and business outcomes through effective workplace rehabilitation practices.”
Host : PHSA

Workers compensation: National updates and insights

This session provides employers with an update on key issues impacting workers’ compensation schemes across SA, NSW and VIC. It covers emerging trends, external drivers, and legal developments, and outlines the practical implications for employers. Participants will gain insights to help navigate change, manage risk, and respond effectively across jurisdictions.
Host : Internal

Upcoming sessions

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

Leading your team through change

Leading a team through change calls for clarity, confidence, and a deep understanding of how people respond when their world shifts. This workshop explores practical ways to guide others with steadiness, empathy, and purpose during periods of uncertainty. Participants will discover how to communicate direction, maintain trust, and keep momentum even when circumstances evolve rapidly. The session equips leaders with adaptable strategies that help teams stay engaged, resilient, and ready for what comes next.
Host : IPAR

Defusing and de-escalating strategies

​This session equips participants with practical strategies to manage challenging interactions effectively. Learn how communication style, tone, and non-verbal cues influence outcomes, and explore techniques to understand the drivers behind distressed behaviour. Gain skills in evidence-based defusing strategies, respectful assertiveness, and collaborative problem-solving. Discover when to pause or take breaks, maintain boundaries while validating feelings, and avoid language that escalates tension. The session also covers safety steps for situations that cannot be defused and emphasises self-care and support following difficult encounters. 
Host : AP Psychology

Understanding psychosocial risk: What it means for you at work

Psychosocial risks affect everyone – from workload and stress to team dynamics and workplace culture. This session explains what they are, why they matter, and how they impact individuals, teams, and organisations. Participants will gain practical insights into identifying psychosocial risks and the role they play in creating a healthier, safer, and more supportive workplace.
Host : Anna Feringa Consulting

Upcoming sessions

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

Virtual: 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 online work materials will be provided.
Host : Workplace Interventions

Achieving the best outcomes in medical case conferencing (Lunchtime learning)

This practical session is designed to support employers and injury management stakeholders to confidently participate in medical case conferences to achieve more effective outcomes. The session will explore how to communicate effectively with treating doctors, prepare meaningful information prior to the conference, and collaborate to support safe, timely, and sustainable return to work planning for injured workers.
Host : PHSA

Managing non-work-related injuries and illness

With a significant proportion of Australians living with chronic health conditions and injuries contributing to disease burden, workplaces increasingly need to support employees managing non-work-related health issues. This session provides practical, ethical, and best-practice guidance for employers, focusing on how to appropriately support employees while balancing organisational responsibilities, legal considerations, and workplace outcomes.
Host : PHSA

Upcoming sessions

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

Perceived Injustice: When fairness shapes behaviour and recovery (Lunchtime learning)

This session explores perceived injustice and how perceptions of fairness, blame, and invalidation shape behaviour and recovery following an injury. Designed for those supporting return to work, participants will build practical skills to understand, recognise and respond to perceived injustice when it presents in injured workers, reduce conflict, and strengthen trust to support more positive recovery and workplace outcomes.
Host : KINNECT

Experience matters: How to support an ageing workforce

This panel session examines how organisations can recognise and respond to the mental health concerns of an ageing workforce. Participants will explore common risk factors, protective influences, the impact of work design, as well as change and transition on older workers’ wellbeing. Through practical insights and examples, the session highlights supportive conversations, early intervention, reasonable adjustments, and inclusive practices that promote psychological safety, sustain engagement and enable older workers to remain healthy, valued and productive at work.
Host : Recovre, Psychological Safety Australia, IPAR, EML

Women’s mental health at work: Lifecycle challenges and organisational impact

This session explores the unique mental health challenges women experience across life and career stages in the Australian workplace. It examines factors such as hormonal changes, caregiving responsibilities, return to work transitions, and menopause. Participants will examine how workplace systems and culture influence wellbeing and retention, and gain practical strategies to create inclusive, psychologically safe environments that support women’s participation and performance.
Host : IPAR

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