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grouping insurance

Businesses that are 'related' and have combined annual wages of more than $750,000 must group their insurance policies.

Grouping Insurance is compulsory for businesses that are 'related' and have combined annual wages of more than $750,000.

What are related businesses?

Businesses are related if they have shared ownership, control or shareholding of greater than 50% or if they share employees between businesses.

All members of a group continue to have separate policies, but as part of a group they must insure with the same insurance agent and have a common renewal date for all policies.

How it affects your premium

Your premium is adjusted using the combined basic tariff premium of the group, however the claims costs of other group members will not impact your premium. If you have nil or low claims costs, then using the group basic tariff premium in the premium calculation will generally reduce your premium.

You are required to register for grouping within 14 days of becoming aware that you are a member of a group.

Grouping does not apply to:

  • self and specialised insurers
  • government departments
  • groups of employers whose combined annual wages payable to workers does not exceed $750,000.

How to register as a group

Complete the grouping registration form and send it to us by

We will write to both you and your insurance agent and provide your group number and details of other registered employers in your group.

Exclusion from grouping

You can only apply to be excluded after you have registered for grouping.

Employers can apply to us to be excluded from grouping when:

  1. The employer is a member of a group which uses common employees and we’re satisfied that the employer has continuously carried on business substantially independently of other members in the group,
  2. The employer carries on a business as a trustee and is a member of a group of commonly controlled businesses and we’re satisfied that the employer has continuously carried on business substantially independently of other members in the group, or
  3. The employer is a non-profit organisation conducting a business with a charitable, benevolent, philanthropic or patriotic purpose and that business does not compete with any other business conducted for profit.

See Workers Compensation Act 1987 No 70 for more information.

Further information

For more detailed information read our grouping FAQs.

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