1
Wrong industry code
The WIC or classification on your policy may not match your real duties.
Predominant activity test
You may be entitled to a lower WorkCover premium.
Wrong code often means a higher premium. We review your classification and prepare evidence for your scheme.
- Expert WorkCover advisers, classification analysts, and employer advocates.
- We help ensure your premium is based on the facts.
- We do not rely on assumptions. We look at the work.
Advisory support across every Australian WorkCover scheme
The problem
WorkCover premiums are not always right
Many employers pay more than they should because their premium was built on incomplete or incorrect assumptions — not because the work on the floor was ever properly tested.
2
Predominant activity never assessed
The scheme may never have tested what your business mainly does.
3
Mixed operations
Labour hire, project work, or multiple functions misunderstood on paper.
4
Missing evidence
Insurers and scheme agents may not have had factual material to price your risk.
We do not rely on labels. We look at the work.
Care Network analyses how you operate — not the description on your policy.
What we review
A workcover re-classification can reduce your premium
Sites, trades, contracts, and client industries rarely fit a single WIC on your policy. We analyse the full picture before forming a view on the correct classification.
- What your staff actually do, compared to the industry code on your policy.
- How your wages are split when you run mixed work, labour hire, or projects.
- What happens on client sites and under contract, not just in the office.
- Every location where work is done: workshop, yard, site, and field.
How it works
From real activity to scheme consideration
- 1
Define the real activity
What does the business mainly do? We look at work on the floor, not labels on paper.
- 2
Gather evidence
Payroll, duties, contracts, and how you operate across sites, trades, and functions.
- 3
Form the position
We analyse the facts, form a professional opinion on the classification we believe is correct, and build the submission material.
- 4
Scheme considers the outcome
We help you and your insurer with clear, factual information for a compliant premium determination.
- 5
Escalate if required
Where needed, we assist with review, objection, internal dispute resolution, or external pathways including AFCA where applicable.
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The outcome
Potential for a large WorkCover premium reduction
Where the scheme accepts a better-supported classification, the rate on your wages can fall — sometimes materially. The goal is the most accurate premium available under your state rules.
FAQ
Common questions
Straight answers for ops teams, injury managers, and people building the case internally.
It asks what the business mainly does. That answer drives the premium rate on your wages. If you sit in a higher-risk classification that does not reflect your predominant activity, your premium may be materially overstated.
Yes. Classification fixes your base rate. Claims management controls cost over time. Many employers need one or both. See our premium reduction strategy if claims are driving cost.
Yes. That is where classification expertise matters most. We regularly work with labour hire, engineering, construction, energy, care, and other environments where a generic description leads to the wrong code.
No. We review whether a better-supported classification exists and prepare evidence for the scheme to consider. The goal is the most accurate premium available under your state rules.
We guide the process through to meaningful consideration first. Where a genuine, evidence-based position needs further escalation, we can assist with the relevant review, objection, or dispute pathway.
