Case study
A 58% WorkCover premium reduction over four years
We took over the full injury response: 24/7 triage, a dedicated injury manager on every claim, and return-to-work plans built around real duties. Claims stayed short, costs stopped compounding, and the premium fell every year.
- 58%
- Premium reduction
- $393,227
- Saved over four years
- 2.46x
- Return per $1 of fee
Annual premium, FY23/24 to FY26/27
The 2025/26 spike came from a prospective large claim. It was controlled and closed out, securing a significant reduction in the 2026/27 renewal cycle.
The results
Care Network de-escalated claims before they led to premium increases.
- 24/7 triage got injured workers assessed and into treatment the same day, before injuries became long claims.
- A dedicated injury manager owned every claim and kept it moving to a timely close.
- Return-to-work plans matched real duties, so a mid-period claim spike was controlled before it hit the renewal.
The starting point
The employer ran a large, dispersed workforce with a WorkCover premium that climbed every year. Injuries were managed reactively, claims ran long, and the cost compounded into the premium.
What changed
Care Network took over the injury response: one triage number, a dedicated injury manager on every claim, and return-to-work plans built around real duties. In parallel, we reviewed the premium structure and claims profile to make sure the employer was not overpaying.
The spike that did not blow up
In the third year, a cluster of claims threatened to reverse the gains. Because the response was already managed and documented, the spike was contained and the downward trend continued the following year.
The result, in plain language
By the fourth year the annual premium had fallen 58%, from $335,636 to $140,514. Measured against the starting baseline, the employer saved $393,227 over four years, a 2.46x Multiple on Invested Fee Capital: every $1 of fee returned $2.46 in lower premiums.
