What counts as remunerationSuperannuation, allowances, contractors, fringe benefits, working directors and final pay. What you have to declare on a WA workers compensation policy, and what you do not, from the WorkCover WA Remuneration Guidelines.Is your classification right?Your premium rate starts from an industry class somebody assigned when the policy was written. It is set by your predominant business activity, measured in wages, and almost nobody re-tests it.Why your premium changedPremium is declared remuneration times a rate, and four separate things move it. How the rate is built, what your insurer must tell you on request, and the one month deadline on asking WorkCover WA to review it.The annual cycleTwo declarations a year, an estimate forward and an actual back. What changes between them, what your insurer owes you and when, and why an estimate set low costs more rather than less.Your first policyBefore a policy can be priced, three things have to be right. What you will declare, which industry class you are in, and whether your directors are covered. Getting the third one wrong cannot be fixed later.How labour hire is classifiedThe wages of workers you place are declared at the host employer's classification, not your workers' job titles. What the Industry Classification Order actually says, which limb you are in, and what the rate spread is worth.The labour hire wage declarationYour insurer needs an accountant to sign off your labour hire wages before the policy issues. What the form actually certifies, who can sign it, and what happens when your company has not started trading yet.Placement recordsThe Act requires labour hire employers to keep records of workers, industry classification and remuneration for seven years. WorkCover WA publishes a placement log template for evidencing them. Most businesses keep neither.