To share losses of risk is an important role of workcover in the enforcement of work health and safety act legislation. Transferring of risk is not a disaster accident really left the policy-holder, financial resources, but the insurer with all to suffer damage to policy-holder to compensate economic loss (Loudoun & Johnstone, 2010, pp.286-307). Natural disasters and economic loss caused by accidents is usually huge, is affected by the personal struggle to cope and bear. Insurer in the form of insurance fee and pay reparations, scatter a few huge loss to many of the insured, thus make people unbearable loss, become the majority of people can assume the loss, this is actually sharing the loss to have the same risk of the applicant.
To compensate is an important role of workcover in the enforcement of work health and safety act legislation. To implement compensation on the basis of the contract signed by both parties, the compensation scope mainly has the following several aspects according to Hughes and Ferrett (2010, p.98): the insured property damage incurred from the disasters and accidents; Policy-holder the her body suffered on account of the disaster accident casualties or termination of insurance should be injury insurance; Policy-holder due to disasters to others to cope with economic compensation according to law; The insured by the other party fails to perform the contract pecuniary loss; Disaster accident happens, policy-holder due to rescue of all costs incurred in the subject-matter insured .
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