Workers compensation · aged & child care
Pick your sector, answer a couple of questions, and see your estimated premium, how you compare to the industry average, and what a best-practice 2% target is worth.
Select your industry:
Your figures
Lets us show whether you're above or below the industry average.
Safety performance (optional — for your injury rate)
Pop in your email and we'll reveal your results — and can send you a copy to keep.
Please enter a valid, permanent email address.
Your results
Estimated annual premium
—
Saving to the 2% target
—
What does the rate mean? icare sets a base premium rate per $1 of wages for your industry. Your claims history then adjusts your premium up or down — that adjustment is the part you control, and the part we improve. A well-run employer can drive premium toward ~2% of wages.
Before you decide
This shows the size of it — not the why. Which injuries keep recurring, which reserves are overstated, where you stand on the codes enforceable from 1 July 2026: that only comes from your actual claims file. We'll review it with you first — no obligation, no pitch — so your next move rests on facts, not a guess.
Free · confidential · no commitment
How it's worked out
Expected premium = wages × your industry rate. icare 2026–27 rates: residential aged care 4.5%, home care 6.69%, child care ~1.95% (placeholder — confirm yours). Wages ≈ 70% of government funding; place/staff figures use average award costs. The 2% target reflects best-practice, claims-managed performance.
The fine print
An estimate, not a quotation. It excludes your excess, adjustments and size thresholds — your actual premium is set by icare. Use it to decide whether the conversation is worth having, not as the basis for a financial decision.