Do you need workers comp?

Free, five questions, NSW. Most people think they know the answer and get it wrong in one of two directions — either paying for cover they don't need, or trading uninsured because "they're only contractors".

Operating without cover when you're required to have it is an offence, and it leaves you personally exposed if someone gets hurt. This gets you to a straight answer, and tells you when to just ring icare and be certain.

Does anyone work in the business other than you?

Employees, casuals, part-timers — anyone on wages.

Yes No, just me

Do you employ an apprentice or trainee?

Yes No

Roughly, what do you pay out in wages across a year?

Everyone you pay, added together — not per person. Include super and allowances.

Under $7,500 $7,500 or more Not sure

Do you pay any contractors or subcontractors?

Including people who invoice you and call themselves contractors.

Yes No

Are there other businesses connected to this one?

Same owners, related companies, or businesses under the same trust or group.

Yes No

Free. Nothing is stored unless you ask us to follow up.