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In Queensland, we offer the following products and services
to meet your needs.
Excess
of Loss Policy
Protect your self-insured business
from disastrous workers' compensation liabilities.
Financial protection against potentially catastrophic workers'
compensation liabilities is an essential consideration for
any self-insured organisation. Regulations require that self-insurers
have adequate reinsurance protection against significant liabilities,
in excess of a nominated self-insured retention amount.
With our considerable insurance expertise,
QBE is able to provide you with an Excess Insurance for Self-Insured
Workers' Compensation and Employer's Liability (Excess of
Loss) Policy. This coverage can be tailored to provide the
necessary cover to comply with your self-insurance licensing
requirements.
Premiums for Excess of Loss Policies are
individually assessed and reflect your industry classification,
wages, claims experience, trends in your state or territory,
as well as your organisation's demonstrated commitment to
safety, risk and claims management.
Your organisation can determine its retention
amount, subject to your state/territory requirements, with
a minimum retention being $500,000. The retention level that
you choose will in turn be reflected in your premium.
The full services of QBE's claims management
expertise will be available to assist you with any claims
likely to exceed your nominated self-insured retention limit.
This will help optimise the outcomes for both your employees
and your business.
For more information, please contact QBE
Workers' Compensation.
National
Accounts Unit
Coordinated workers' compensation
services for national employers
The National Accounts Unit provides employers
with operations in more than 1 state with a coordinated approach
to managing workers' compensation. Operating through the broker
intermediary network, the primary focus of the Unit is on
client retention. Additionally the Unit:
- Pursues new business opportunities
- Coordinates services between QBE Branches
- Provides a national perspective to service
delivery and standards
- Performs analysis of workers' compensation
data
- Advises on direction, trends, policy
implications and strategies for improvements
- Explores various pricing mechanisms using
underwriting expertise in the managed fund and active state
environments.
QBE's National Account Unit can also advise
on:
- Risk analysis
- The relationship between workers' compensation
and human and industrial relations
- Systemic development issues between claims
management, risk management and early reporting
- Premium and analysis
- Training
- Legislative updates.
For more information, please contact QBE
Workers' Compensation.
Occupational Health
& Safety (OHS) Training
QBE is committed to assisting you with your
OHS needs wherever your employees are located.
We can provide you with training on a range
of OHS and Injury Management topics, including common workplace
safety issues, managing return to work and hazard management.
For more information, please contact QBE
Workers' Compensation
Risk
Management
Reduce the incidence & impact
of workers' compensation in your organisation
QBE Risk Management staff have many years
of experience and expertise across a wide range of industries.
We can assist you develop and implement an Occupational Health
and Safety (OHS) Management System and prevention strategies
in your organisation, and advise you in managing your OHS
risks.
We provide practical and comprehensive assistance
to allow you to:
- Reduce the incidence and cost of workers'
compensation claims
- Reduce the indirect cost of accidents
- Comply with legislative (due diligence)
strategies to reduce the risk of prosecution by WorkCover.
QBE's Risk Management Services include:
- OHS Audits - to verify the existence
and effectiveness of your OHS Management System
- OHS Workplace Inspections - to identify
hazards associated with worksites, processes or operations
- Training - to provide your management
and staff with the skills and knowledge to successfully
manager OHS
- Advice & Consultancy Service - to
assist you with any OHS legislation or risk management enquiries
- OHS Guidelines - to provide you with
an Introduction to Managing Safety in your Workplace, or
information on Job Safety Analysis, Plant Safety, Workplace
Safety Inspections, or OHS Induction.
- QBE-ABRM Program - a 'cutting edge' program
that provides cost-effective solutions to your organisation's
workers' compensation claims, injury management and OHS
issues.
For more information, please contact QBE
Workers' Compensation.
Self-Insurance
Services
Expertise, Flexibility & Partnership
Deciding to self-insure your workers' compensation
risk is an important business strategy. Organisational commitment
and individual expertise are required to effectively manage
your risk. Experience and knowledge can maximise the benefits
of self-insurance to your employees, as well as to the impact
on your bottom line.
QBE Self Insurance Services delivers quality
solutions to self-insurers who need assistance in some areas
of managing their risk. Our staff's knowledge and experience
gives us a leading edge when providing workers' compensation
to self-insurers. We can offer an extensive range of services
tailored to meet your organisation's needs.
This range includes:
- Case Management Services - providing
you with skills on-site staff, claims management systems,
technical/legal advice, injury management assistance
- Insurance Services - a tailored Excess
of Loss Policy to protect your business against potentially
disastrous workers' compensation liabilities
- Getting your Self-Insurance Licence - actuarial analysis
to determine the financial feasibility of self-insurance
for your organisation and if viable, assist in the application
process
- Integrated Environmental Analysis (IEA) - a purpose-built
tool to critically review the key areas impacting on your
OHS management and organisational policies and procedures
- Occupational Health & Safety Services - specialist
staff to provide comprehensive and practical assistance
in developing & implementing your OHS Management System
& prevention strategies
- Integrated Health Management - an integrated approach
to injury prevention, health promotion and injury management
to support the health of your work teams and individual
employees
- Education & Training Services - training programs
to develop your staff's knowledge & work skills can
be tailored to your organisation's needs and facilitated
at your workplace
- Specialist Services - including Injury Management, Actuarial,
Technical & Legal Claims Auditing, Job Placement, Medical
Auditing, Medical Utilisation, and Medical Consultation
For more information, please contact QBE
Workers' Compensation.
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