Most of the employees may not know the importance of having a workplace insurance just because they think they have nothing to do with the workplace safety and security. In Australia, companies and organizations have to work under specific laws that govern the working and the management of the companies ensuring the safety of the employees.
Due to these safety measures, the companies are obliged to offer their employees the best workplace environment that is safe and the whole workplace needs to be covered by sufficient insurance coverage as well.
Though in some cases the employees may not be sure about the fact that there are more or less an equal number of responsibilities on the employers and the employees as well. And among the responsibilities, an employer has, insuring the workplace is one of the important Employers Responsibilities that should be fulfilled without any excuses.
Having a Workplace insurance means that you will be covered under the following circumstances:
When you are injured during the work
In case you get injured due to the tools you are using at your workplace, due to the machinery that is there or due to the workplace that is not secure enough to work on. All these circumstances provide risk to the safety of the employees and the employers are responsible for that. It is therefore important that the employers should provide insurance through a reliable insurance company.
In case you have a serious health risk due to some chemical exposure at work
Workplace health and safety measures should be taken in order to reduce the risk of getting into serious health hazards and this also comes under the workplace insurance and you can claim it to get sufficient compensation or coverage through the company.
The insurance mostly covers the expenses that are needed to diagnose and treat the illness or injury caused due to certain circumstances at the workplace or due to some happenings at the workplace.