---
title: Are there different types of workers compensation policies?
description: Yes, depending on where in Australia you're situated. In NSW, policies generally fall into two main categories.
---

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# Are there different types of workers compensation policies?

## Yes, depending on where in Australia you're situated. In NSW, policies generally fall into two main categories.

Yes, there are different types of workers compensation policies, depending on the nature of your business and workforce.

Across Australia, there are multiple workers compensation schemes and policies, including three (3) Commonwealth schemes and one (1) for each state and territory. Each scheme has different laws and may operate differently.

In NSW, policies generally fall into two main categories:

1. **Standard Workers Compensation Policy:** For most businesses, covering employees for workplace injuries and illnesses, including medical treatment, income support, and rehabilitation.
2. **Self-insurance:** Large businesses can apply to manage their own workers compensation claims directly, provided they meet strict financial and regulatory criteria.

Specific industries, such as those involving contractors or rural workers, may have tailored policies.

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