Farm Insurance Online :: News
SHARE

Share this news item!

New WHS figures sharpen the risk picture for tradies

Falls, falling objects and serious injury claims remain central concerns for construction businesses

New WHS figures sharpen the risk picture for tradies?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Safe Work Australia’s latest Key Work Health and Safety Statistics, released on 12 October 2026, provide a fresh reminder that construction remains one of the country’s highest-risk work environments.
The national data records 41 construction worker fatalities in 2025 and shows construction accounted for 11.7% of serious workers’ compensation claims in 2024-25, making the figures directly relevant to trade businesses reviewing safety systems, contracts and insurance arrangements.

The broader report records 222 traumatic worker fatalities in 2025, the highest annual number since 2012, alongside 147,200 serious workers’ compensation claims involving one week or more of lost working time in 2024-25. While vehicle incidents remained the leading cause of worker fatalities across all industries, the construction data highlights the continuing significance of falls from height and being hit by falling objects, both familiar exposures on building sites, renovation jobs and subcontracted works.

For tradies, the insurance lesson is not simply that risk is high. It is that different policies respond to different parts of a loss. Workers’ compensation is generally the statutory starting point where employees are involved, while sole traders and working directors may need to understand whether they are personally covered under any applicable scheme. Public liability may be relevant where third parties allege injury or property damage, but it is not a replacement for workers’ compensation or safe work obligations. Income protection and personal accident cover are also often discussed by self-employed tradies because an injury can affect both business cash flow and household income.

The figures also matter because insurers, brokers and principal contractors increasingly look for evidence that risk is being managed in practice. Useful records may include:

  • safe work method statements for high-risk construction work;
  • site induction, training and supervision records;
  • plant, ladder, scaffold and fall-protection inspection logs;
  • subcontractor insurance and licence checks;
  • incident reports and corrective actions after near misses.

Those documents may not prevent every claim, and they do not guarantee cover, but they can help show how a business approached foreseeable hazards. They may also make renewal discussions more factual, particularly for trades involving work at height, excavation, mobile plant, hot works or regular subcontractor use.

There are limits to what the national statistics can tell an individual business. Premiums, exclusions and cover availability still depend on trade type, state or territory rules, payroll, turnover, claims history, contract requirements and insurer appetite. Even so, the latest WHS data gives tradies a practical prompt: review whether safety controls, job documentation and insurance settings still match the way work is actually being done on site.

Published:Wednesday, 11th Nov 2026
Author: Paige Estritori

Please Note: We do not endorse any specific products or companies. Some content is sourced from third parties, including press releases, and may not be independently verified for accuracy or completeness.

Share this news item:

Rate this article

0 Comments

No comments yet. Be the first to share your thoughts.

Insurance News

New WHS figures sharpen the risk picture for tradies
New WHS figures sharpen the risk picture for tradies
11 Nov 2026: Paige Estritori
Safe Work Australia’s latest Key Work Health and Safety Statistics, released on 12 October 2026, provide a fresh reminder that construction remains one of the country’s highest-risk work environments. The national data records 41 construction worker fatalities in 2025 and shows construction accounted for 11.7% of serious workers’ compensation claims in 2024-25, making the figures directly relevant to trade businesses reviewing safety systems, contracts and insurance arrangements. - read more
Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
10 Nov 2026: Paige Estritori
A damaging hailstorm across Victoria’s Mallee has turned a promising harvest into a difficult insurance and cash-flow test for affected grain growers. ABC Rural reported on 6 November 2026 that hail swept through districts including Birchip, Wycheproof and Quambatook, damaging thousands of hectares of wheat, barley, lentils, canola and other crops just as many paddocks were ready to harvest. - read more
Strata Storm Claim Ruling Puts Defect Exclusions in Focus
Strata Storm Claim Ruling Puts Defect Exclusions in Focus
10 Nov 2026: Paige Estritori
A recent Australian Financial Complaints Authority decision has highlighted a difficult but common issue for strata communities: damage that happens during a storm is not always insured storm damage. The dispute, reported on 5 November 2026, involved an owners corporation claim for a collapsed parapet wall, with the insurer declining cover on the basis that defective design, materials or workmanship were the dominant cause rather than the weather event itself. - read more
Healthcare liability pressure puts clinic renewal evidence in focus
Healthcare liability pressure puts clinic renewal evidence in focus
10 Nov 2026: Paige Estritori
A new Australian healthcare professional liability market update points to a sharper divide between general insurance market conditions and the experience of healthcare organisations arranging malpractice and professional liability cover. Lockton’s 1 November 2026 update says established insurers remain selective, claims inflation is affecting attachment points and underwriters are looking more closely at how clinical governance works in practice, not merely whether accreditation exists. - read more
WA Child Safety Changes Put Fitness Compliance in the Spotlight
WA Child Safety Changes Put Fitness Compliance in the Spotlight
10 Nov 2026: Paige Estritori
Western Australia’s updated Working With Children Check laws are a timely reminder that fitness business risk is not limited to physical injury, equipment damage or venue incidents. The changes, in effect from 17 September 2026 and highlighted by AUSactive in October, mean certain adverse Working With Children outcomes from other Australian jurisdictions can now affect a person’s ability to work with children in WA. - read more


Farm Insurance Articles

Comparing Insurance Options for Mixed Farming: What Rural Owners Need to Know
Comparing Insurance Options for Mixed Farming: What Rural Owners Need to Know
Welcome to our comprehensive guide on comparing insurance options for mixed farming. As a rural farm owner, you face unique challenges that require specialized insurance coverage to protect your livelihood. - read more
Understanding the Coverage: What Your Farm Insurance Should Include
Understanding the Coverage: What Your Farm Insurance Should Include
The serene morning mists settling over green pastures and the peaceful clucking of poultry might paint an idyllic picture of farm life, but seasoned farmers know that this lifestyle comes with its own set of risks and uncertainties. In the world of agriculture, each new day could bring events that threaten your way of life and the heart of your business. This is where farm insurance becomes not just important, but essential. - read more
Are You Covered? Common Insufficient Coverage Mistakes in Farm Insurance
Are You Covered? Common Insufficient Coverage Mistakes in Farm Insurance
Welcome to our discussion on farm insurance, a vital aspect for anyone involved in agriculture. Whether you run a smallholding or manage extensive agricultural operations, understanding your insurance coverage can make all the difference in safeguarding your livelihood. - read more
How Keyperson Insurance Can Safeguard Your Farm's Future
How Keyperson Insurance Can Safeguard Your Farm's Future
Keyperson insurance is a specialized type of business insurance designed to protect companies from the financial repercussions of losing a critically important team member. This type of insurance provides a payout that can help stabilize the business during the transition period following the loss of a key individual. In the context of farming, this might include someone who holds a unique skill set, deep agricultural knowledge, or critical business acumen that drives the success of the farm. - read more
Effective Risk Management Plans Every Farm Owner Should Implement
Effective Risk Management Plans Every Farm Owner Should Implement
Managing a farm involves juggling many uncertainties and potential risks. Risk management in farming refers to the process of identifying, assessing, and prioritising risks associated with agricultural activities. Effective risk management ensures that farmers can handle obstacles and continue their operations smoothly. - read more

Knowledgebase
Professional indemnity:
An insurance that provides cover for liability incurred in the course of exercising a profession.