Personal accident and sickness insurance is designed to help protect your income if you’re unable to work due to injury or illness, subject to policy terms.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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If you’re a business owner, sole trader, or key employee, an injury or illness that keeps you out of work can affect more than your health, it can affect your income too. Personal accident and sickness insurance can be structured to help provide a benefit if you’re unable to work, subject to policy terms.
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Is designed to help protect your business and its management from claims relating to business decisions and obligations, subject to policy terms.
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Is designed to help protect your business against claims for third-party injury or property damage, subject to policy terms.
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Is designed to help protect your business against the financial impact of a cyber incident, subject to policy terms.
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Is designed to help protect your business with cover tailored to your profession, subject to policy terms.
Depending on your role and circumstances, additional covers such as income protection or professional indemnity insurance may also be worth considering, subject to policy terms and eligibility.
Loss of income following an injury that prevents you from working
Ongoing business costs continuing while you're unable to work due to illness
Limited access to sick leave entitlements for sole traders and business owners
Time away from work needed for recovery after an accident
Reduced capacity to work due to a serious illness diagnosis
Financial strain on the business if a key person is unable to work
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Cover can be structured to help provide a benefit if you’re unable to work due to an eligible injury or illness, subject to policy terms and the cover selected.
It can be relevant for business owners, sole traders, and key employees who may not have access to traditional sick leave entitlements.
Personal accident and sickness cover and income protection insurance can overlap but are structured differently. Our team can help you understand which may suit your circumstances.
Depending on your policy, cover may extend to injuries or illness that occur outside of work hours. Speak with our team to confirm what’s included.
Benefit amounts are typically based on the cover you select and your circumstances at the time of taking out the policy, subject to policy terms.
Tell us a bit about your situation and one of our brokers will help you find the right level of cover.
Business Insurance
Cover options for claims relating to business decisions and management obligations, subject to policy terms.
Business Insurance
Cover options for claims relating to third-party injury or property damage, subject to policy terms.
Business Insurance
Cover options to help protect your business against the financial impact of a cyber incident, subject to policy terms.
Business Insurance
Cover options tailored to your profession, subject to policy terms.
