ACC Workplace Cover

ACC WorkPlace Cover provides businesses with the peace of mind of “no fault” personal injury cover in the workplace. As an employer you are required to provide work-related personal injury cover for yourself and your employees, whether they’re full-time, part-time or casual workers. ACC WorkPlace Cover is the standard cover provided to all employees of a business.

On this page

  1. What am I covered for?
  2. How do I apply?
  3. What does ACC WorkPlace Cover cost?
  4. How do I pay for ACC WorkPlace Cover?
  5. Are there any other cover options?

What am I covered for?

ACC WorkPlace Cover provides access to 24-hour no-fault cover to employees who suffer a work-related personal injury. It includes access to the full range of medical treatment and recovery benefits and up to 80% compensation for lost wages, starting a week after the injury. For more information, see Employee injuries.

What is a ‘work-related personal injury’?

A work-related personal injury is an injury that occurs when an employee is either:

• at any place for the purpose of working, or
• having a break from work at the workplace for a meal or a rest, or
• in a vehicle provided by their employer to transport staff to and from work, or
• travelling to/from treatment for a previous work-related personal injury.

The personal injury can be due to an accident, a gradual process (eg hearing loss), a disease or infection caused by a risky work task or work environment.

What about non-work-related injuries?

The ACC Earner levy covers your employees for non-work related injuries (eg sports injuries). This levy is paid by employees themselves, through the PAYE system.

How do I apply?

ACC WorkPlace Cover is automatically provided to all employees of a business. This includes shareholder-employees.

What does ACC WorkPlace Cover cost?

ACC WorkPlace Cover levies are based on:

• the type of business you are in (your classification unit)
• how much you pay your employees (liable earnings)
• the number and costs of injury claims that your industry has had in the past
• the number and costs of injury claims predicted for your industry in the coming year.

See Levies for shareholder-employees for more information about levies and how they are calculated.

You can work out your levy:

• using our online calculator
• by contacting the ACC Business Service Centre.

How do I pay for ACC WorkPlace Cover?

We use the details you provide on your tax return to calculate your ACC WorkPlace Cover levies and send you an invoice. Invoices are sent out after June each year. Think of it as being just the same as your annual car insurance premium – and don’t forget to budget for it.

We have a range of easy payment options. See How do I pay?

Are there any other cover options?

Non-PAYE shareholder-employees can upgrade to ACC CoverPlus Extra, which provides a guaranteed level of lost earnings compensation.

Employees thinking of taking an extended break from work for whatever reason, and who want to protect themselves if they get injured should read about ACC TimeOut.

Last updated: 15 December 2008