Workers comp & super default fund setup for Australian businesses

A named person on our team owns your file and reviews everything that leaves it. Software does a real share of the grinding underneath it — coding, matching, flagging the obvious gaps — but nothing regulated happens without a person’s judgement, and nothing here is signed or filed by an algorithm.

No — workers comp & super default fund setup is operational work inside your books, not something submitted to ATO. Where a filing does sit downstream of it, inside registrations & licences more broadly, that stays with your registered BAS or tax agent, never with us.

Whatever you already run. Most commonly QuickBooks, Xero, NetSuite, Sage, Zoho Books and a handful of others — we work inside your system rather than moving you onto one of our own.

A short, free read-only look at what you already have, and a written note on what we found. A scoping call decides the size of the engagement — nothing here commits you to anything.

There is no published price for workers comp & super default fund setup — it depends on volume, how many entities are involved, and how far behind the books are. We quote after the read-only review, which is free.

Workers comp & super default fund setup sits inside registrations & licences, alongside ABN, TFN, GST & PAYG-W stack, Business name registration, Food business licensing. Most clients end up buying the category as a whole rather than one leaf at a time, but starting narrow is fine.

It depends on the state. Queensland, WA and South Australia require the policy in place before the employee's first day, with no wage threshold. Victoria allows registration once wages first exceed $7,500. Other states and territories run their own timing rules. We identify your state's actual trigger before you make an offer.

No. Unlike superannuation, which is federally administered by the ATO, workers compensation runs state by state — icare in NSW, WorkSafe in Victoria, WorkCover in Queensland, and separate schemes in every other state and territory. There's no single national registration.

It's the MySuper-compliant fund your business nominates for employees who don't choose their own fund via the Superannuation Standard Choice form. You choose it, but some Modern Awards specify which funds are permitted as the default for a given industry, so the choice isn't entirely open.

12% of ordinary time earnings, effective from 1 July 2025 and unchanged through FY2026-27. That 12% was the final step of the legislated phase-up — there's no further scheduled rate increase to plan around, though contribution timing is changing separately under Payday Super.

From 1 July 2026, super contributions have to reach the employee's fund within 7 business days of payday, replacing the quarterly contribution cycle most small employers have used. We build payroll cadence to that window ahead of the changeover.

STP is the ATO's real-time reporting pipe for super and PAYG data, and it's what the ATO compares your super contributions against. It doesn't touch workers comp directly, but it has to be registered and mapped correctly before the first pay run for super reporting to start clean.

The state scheme risk-rates it against your industry classification, estimated payroll for the year, and claims history over time. Getting the classification right at registration matters because every renewal inherits it — a generic or understated classification can mean a premium correction down the line.

The relevant state insurer or scheme — icare, WorkSafe, WorkCover or the equivalent in your state. We prepare and lodge the registration file with the correct industry classification; the state scheme assesses it and issues the policy and the certificate.

It's the proof-of-cover document the state workers comp insurer issues once your policy is active, and it's commonly requested before a business is allowed onto a work site or into a commercial lease or contract. We build the registration file so the certificate request is straightforward once the policy is live.

No. We prepare the default-fund setup, the Superannuation Standard Choice paperwork and the STP-ready payroll categories. Calculating the SG liability, confirming compliance and lodging through the ATO Business Portal as your agent is done by your registered BAS or tax agent.

Generally yes — workers compensation registers per state where you employ people, since each state runs its own scheme with its own premium basis. We map the registration requirement state by state rather than assuming one policy covers a multi-state workforce.