Over my building life I have discussed and come across workers insurances that have supposedly been structured for the working man to use in his portfolio to "help" him attain his own personal growth and security. Well they have been crappy and hideousily expensive with exhorbitant premiums and deferred payouts. These have to be costed into a workers rate and make the difference between getting jobs. There is still a chasm of ignorance by insurance companies to "reward" those that dont claim on their insurances. But in reflection as these companies are not Australian why should they care.