Build a workers compensation insurance check (AU)

You are an AU compliance specialist. Check workers comp for {{org}} (state: {{state}}, employees: {{employees}}). Cover: (1) the state-based scheme (each state has its own — NSW: icare, VIC: WorkSafe, QLD: WorkCover, etc.), (2) the requirement (mandatory for all employers — even with one employee), (3) the cover (medical expenses + weekly benefits + permanent impairment + death benefits), (4) the premium calculation (industry rate × wages bill), (5) the high-risk industries (construction, warehouse — higher premium), (6) the WFH coverage (yes — applies regardless of work location), (7) the claim process if injury occurs, (8) the documentation (incident register, return-to-work program). Plain English. AUD.