Accident And Sickness Insurance For Contractors

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Personal Accident and Illness Insurance

... activities that you participate in ). With BizCover, y ou can get quotes and P ersonal Accident and Illness insurance within minutes and once covered you will be protected 24/7! **Maximum limits apply Independent ...

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5 reasons to love Personal Accident Cover

... Accident and Illness Insurance (IPA Cover) offers financial protection when you can no longer work due to an injury or sickness ... such as consultants , contractors, sole traders or directors, and can also act as ...

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Earthmoving and Excavators Insurance

... insurance partners: What is earthmoving insurance? Earthmoving contractors and ... accident or mistake could cause a client or other third party to seek damages from you. This is where excavator and earthmoving insurance ...

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PI And PL Insurance

... help you protect your business online in minutes—no dramas! Here's the lowdown on Professional Indemnity insurance* You're a professional and there is no doubt yo u are good at what you do. However, mistakes happen even ...

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Insurance for Fencing Contractors

... ! Building a fence construction business takes time and hard work. But accidents and unplanned bills could topple your small business dreams. Fencing business insurance helps contractors manage the day-to-day risks they ...

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Insurance for Landscapers

... contractor? Consider your contractual obligations which may require carrying a minimum level of Public Liability insurance ... living expenses, bills and wages? Personal Accident and Illness insurance can provide levels of ...

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Business Insurance Melbourne

... traders, contractors and self-employed ... insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock. Personal Accident and ...

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Business Insurance in Townsville

... policy is ready to help them cover costs and get back to work as quickly as possible. Personal Accident and Illness insurance* Personal Accident and Illness insurance can provide cover should you become permanently ...

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A Guide to PI Insurance

... in only a couple more. BizCover also allows business professionals to compare policies from leading insurance providers ( AIG , Dual and Vero ) to make sure that you're getting the cover you need. By staying online ...

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Home Based Business Insurance

... /illness cover as part of your personal accident insurance you may be able to claim if you are diagnosed with COVID-19 and that diagnosis results in you being unable to work. Your cover will need to have been in place ...

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Insurance for Gardeners

... and other unexpected events. Find insurance for garden contractors online and in minutes with BizCover. Switch and save today and ... your business—yourself! Personal Accident and Illness insurance provides a weekly income ...

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Handyman vs contractor: Which is right for you?

... understand the difference between being a handyman and being a contractor. This is a critical point to grasp ... Accident and Illness insurance provides different levels of cover for loss of income, permanent disablement and ...

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Insurance for Carpenters

... insurance Carpenters are often called on to provide professional advice to clients or other contractors ... sense to have protection in place. Your Personal Accident and Illness insurance * could be your Plan B to help ...

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Business Insurance

... self-employed, you may want to consider protection for your most important asset—you. This is where Personal Accident and Illness insurance comes into play, especially when you don't have access to sick leave. Personal ...

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Insurance for Physiotherapists

... to recover from an insured event by paying your ongoing expenses, including rent and wages. Personal Accident and Illness insurance Try as you might, but accidents have a knack of creeping up on all of us. They can even ...

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Insurance for Pet Professionals

... on your business? Would you still be able to generate an income and maintain living expenses, bills, rent and wages? Personal Accident and Illness insurance * can provide levels of cover for loss of income if you are ...

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Insurance for Flooring Installler

... to work. Personal Accident and Illness insurance* Personal Accident and Illness insurance can provide cover should ... for your flooring installer insurance. How to get flooring contractor insurance Ready to protect your ...

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Insurance for Concrete Contractors

... missing out on profitable projects. Personal Accident and Illness insurance can provide cover should you become ... Factors that can impact the cost of insurance for concrete contractors include: Who is covered - A ...

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Insurance for Glaziers

... of your employment). Sole traders and independent glazing contractors are not eligible for workers' compensation in some states and territories 1 . Personal Accident and Illness insurance can help you continue to pay ...

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Insurance for Contractors and Subcontractors

... or lawsuit. One way to help lessen contractor risks: insurance for contractors. Contractor insurance (our name for policies designed for the needs of contractors and subcontractors) helps protect you from the financial ...

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Insurance for Cleaners

... Many clients require cleaning contractors to have Public Liability insurance before allowing them to ... work or even when you're out and about in your spare time. Personal Accident insurance * is there to help you keep ...

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Insurance for Civil Engineers

... engineer contractors may be faced with include things like errors and omissions, miscalculations, and not being ... permanent disablement or even death. Personal Accident and Illness insurance gives you peace of mind so you ...

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Hiring a contractor checklist and tips

... the main kinds of business insurance that are often required are Public Liability insurance and Professional Indemnity insurance*. Public Liability insurance is often required by contractors that work closely with third ...

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Why do welders need insurance?

... This is where welding liability insurance (another term for welding contractor insurance) can help . Your PL ... your essential gear. 3. Personal Accident and Illness Personal Accident and Illness provides you with a ...

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What to look out for in a contractor agreement

... the need for business insurance* in the form of contractor insurance. We know independent contractors are busy, which is why we've created an amazingly simple and convenient way to buy contractor insurance online . Visit ...

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Top 6 mistakes to avoid when hiring a contractor

... things don't go according to plan. At a minimum, contractors should have a Public Liability insurance policy, which covers accidental third-party injury and property damage. As a business owner yourself, you would likely ...

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Business Insurance Perth

... to protect all types of businesses from self-employed tradies to professional contractors and sole traders, just to name a few. Business insurance is there to safeguard your business from the various types of risks ...

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Insurance for Dog Walkers

... event you were to suffer an injury or illness, on or off the job. Personal Accident and Illness insurance can cover loss of income, permanent disablement and even death if you are unable to work as a result of illness or ...

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Insurance for Dog Grooming

... loss, damage or theft of your tools of trade. Personal Accident & Illness Insurance* As careful as you may be while clipping and cutting every day, accidents can happen - on and off the job. If you are unable to work due ...

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Insurance for Painters

... Your work is physically demanding—climbing ladders, using paint rollers, preparing surfaces and moving furniture. Personal Accident and Illness insurance * could help you recover with less worry if you're injured on ...

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How to become a cleaning contractor

... ? While you're busy building your cleaning contractor business, let us help with your cleaning business insurance *. We'll sweep up and neatly present all the available insurance quotes for your cleaning business, making ...

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How to manage your finances as a contractor

... of play as you continue to ply your trade as an independent contractor. When you set up as a contractor and choose BizCover for your contractor insurance * you'll enjoy the convenience of being able to compare multiple ...

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Public Liability Insurance Scenario

... that taking steps to cover your business against accidents is a relatively simple process. Purchasing public liability insurance online, where quotes are instant and transparent, is a prudent choice for small business ...

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Insurance for Lawn Mowing Services

... events cover (for events such as fire, theft by forcible entry, explosion or storm). Personal Accident and Illness Insurance* Lawn mowing is an energetic profession, requiring your physical wellbeing to get the job done ...

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Insurance for Car Wash and Auto Detailers

... or illness. Could you still generate an income to pay for living expenses, rent, bills and business costs? Personal Accident and Illness insurance can provide levels of cover for loss of income if you are unable to work ...

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5 Common Beauty Insurance Claims

... likely to experience - and show you just how much having good business insurance coverage can save a ... think about is paying hefty legal costs should an unwanted accident occur. Fabian*, the owner of a luxury day spa who ...

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Information Technology Liability Insurance

... contractual requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public and Products Liability insurance Public Liability insurance is designed to provide ...

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Insurance for Convenience Stores

... yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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How much does Public Liability Insurance Cost?

... your business; what is included and excluded by the policy; and the insurance provider you choose. We ... people in your organisation who could potentially cause an accident such as bodily injury to a customer or member of ...

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Public Liability Insurance WA

... ? Does your business or trade licence require a minimum amount of public liability insurance ? What kind of accidents could occur due to your business operations and what could be the potential cost of a claim? * As with ...

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Insurance for Restaurants & Cafes

... business is 10 million dollars. Insurance for Restaurants & Cafes Public Liability Insurance There is no end to the list of possible accidents that could happen in the restaurant environment, and you need to protect your ...

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How to become a painter and decorator

... let BizCover lend a hand when it comes to your business insurance. Compare competitive painter and decorating insurance quotes online, get covered in 10 minutes, and get on with your day without missing a step. Get your ...

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Insurance for hospitality business

... for accidents to occur. With business insurance reducing the risk to your food business, you will be actively helping to protect your hospitality business from the financial and reputational damage an insurance claim ...

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Insurance for Finance & Mortgage Brokers

... means you'll be exposed to an array of potential mishaps and accidents - think a client tripping over on your premises, or you ... of the types of risks Cyber Liability insurance can assist with are inadvertent loss or ...

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Insurance for Hair & Beauty Services

... all mean your business accidents. Fortunately, this is where Public Liability insurance can provide peace of mind and protection for your business. Business Insurance* A variety of insurance coverages to cover things ...

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Business Insurance FAQs

... ? How much does public liability insurance cost for Restaurants and Cafes? Buying Public liability insurance in NSW Buying Public liability insurance in QLD Buying Public liability insurance in WA What is Professional ...

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Tax Audit Insurance

... aside the emotional stress involved, you have to deal with the disruption to your business and costs incurred in responding. Tax Audit Insurance* covers a business for specified costs in the event that it is selected by ...

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BizCover Disrupts Insurance by Commoditising it

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Insurance for Makeup Artists

... assets may be at risk if you don't have the appropriate insurance cover to protect you and your business. Insurance for Makeup Artists Professional Indemnity Insurance* As a makeup artist you're an expert when it comes ...

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Workers Compensation Insurance

... by WorkSafe Victoria. QLD https://www.worksafe.qld.gov.au/insurance/apply-for-workcover-policy-online Workers Compensation insurance in QLD is government owned and is underwritten by Work Cover Queensland ACT https://www ...

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How much Public Liability insurance do I need?

... million or $20 million. Below is an overview of what is typically covered (and not covered) under a Public Liability insurance policy: What is typically included?* Claims for compensation due to personal injury suffered ...

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Insurance for Mobile Food Vans

... not cover your mobile food van!).  It is not uncommon for theft insurance to require the item stolen to have been securely stored before the theft and for there to be evidence of forcible entry in the commission of the ...

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Business Insurance on the Central Coast

... was ever to hard for them to answer. Great service.” Tina W. Heavy Machinery and Equipment Repair and Maintenance How much does Business insurance cost ? On average, small businesses on the Central Coast pay around  $ 68 ...

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Business Insurance In Wollongong

... it can vary greatly. This is due to several factors including:  Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several factors including ...

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Insurance for Bookkeepers & BAS Agents

... 1,000,000 cover inclusive of legal and defence costs ^Minimum PI insurance requirement source from TPB (2017, June 21st). tpb.gov.au/professional-indemnity-insurance-bas-agents What are the risk factors? Incorrect advice ...

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Public Liability Insurance In Hobart

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

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Public Liability Insurance In Darwin

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

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Insurance for Allied Health Professionals

... can continue running your business without any worries. Did you know? BizCover is the preferred insurance partner of the Naturopaths and Herbalists Association of Australia. If you're a NHAA member you'll save on your ...

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Business Insurance in Parramatta

... population. The second largest employing industry is Professional Scientific and Technical services, employing 11.4% of the population, and Financial and Insurance Services, employing 7.2% of the population. The sector ...

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Business Insurance in Melton

... businesses that are predominantly office-based, such as consultancy occupations.  Given the various industries and occupations that business insurance can cover, the cost can vary greatly. This is due to several factors ...

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Business Insurance in Launceston

... , to businesses that are predominantly office-based, such as consultancy occupations.  Given the various industries and occupations business insurance can cover , the cost of it can vary greatly. This is due to several ...

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Business Insurance in Cairns

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations business insurance can cover, the cost of it can vary greatly. This is due to several factors ...

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Business Insurance in Bundaberg

... , to businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations, business insurance can cover, the cost of it can vary greatly. This is due to several ...

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Insurance for Real Estate Agents

... an event such as a fire, would you still be able to earn an income? Cyber Insurance Consider the client data you are storing and the implication on your business if there was a breach of confidentiality by being hacked ...

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Public Liability Insurance In Adelaide

... 11.7% of the population. The sector with the largest amount of businesses registered is Financial and Insurance Services with 5,738 businesses registered. The industry with the second largest number of businesses is ...

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Business Insurance in Bunbury

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations business insurance can cover, the cost of it can vary greatly. This is due to several factors ...

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Does your lash business need salon insurance?

... for lash technicians, beauty professionals, and salons protects you and your business if the worst happens. From claims and lawsuits to equipment breakdowns and tax woes, beauty and salon insurance can help you work with ...

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Reviews related to Accident And Sickness Insurance For Contractors

  • Very responsive service and competitive insurance pricing. Thank you Wanda

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  • Very responsive service and competitive insurance pricing. Thank you Wanda

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Protect your income 

With Personal Accident & Illness Insurance* 

As the old saying goes, accidents do happen!  A simple spot of DIY around the house could result in broken bone, loss of sighta severed limb or even worse, death.  All of which could cause you to be out of action for some time or even permanently! An accident is probably the last thing you can afford in operating your business 

Having Personal Accident & Illness (PA) insurance covers you for loss of income if you were unable to work as a result of an injury or illness.  The cover is generally available regardless of whether or not you sustain injury or develop an illness due to your work. 

If you were temporarily unable to work due to the accident or illness, your cover could pay you a benefit of up to 85% of your salary.**    

There is also an option to potentially cover you for accidental death or disablement, which can provide a lump sum payment to your beneficiaries if you die in an accident or to you if you suffer a permanent disabling injury.   

Everybody has their own unique circumstances and needs when it comes to Personal Accident and Illness insurance. To meet these needs there are different waiting periods (how long you have to be out of action before the cover kicks in), benefit periods and benefit levels available.  

Getting cover doesn’t have to be hassle and involve visits to the doctor, you can get cover without any forms or medicals (please be aware that you won’t typically be covered for any pre-existing medical conditions/injuries or any hazardous activities that you participate in).  With BizCover, you can get quotes and Personal Accident and Illness insurance within minutes and once covered you will be protected 24/7! 

**Maximum limits apply  



Independent feedback from our customers rated our service at excellent.

What is typically included?* 

  • Loss of income as a result an injury  
  • Loss of income as a result of an illness  
  • Loss of income as a result of injury or illness (combined) 
  • Optional Extensions can include:  
  • Death benefits;  
  • Disablement benefits 
  • Business expenses  

What is typically not covered?* 

  • An injury or illness that is the result of: 
    • pre-existing conditions 
    • Pregnancy and childbirth  
    • An act which is intentional, criminal or caused by you. 
    • alcohol or drugs 
    • professional sports 
    • Motor sports 
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Cover Options  

With BizCover you can choose to cover through leading insurers up to 85% of your income**

When deciding on the level of cover you need through BizCoveryou should think about: 

  • How much cover yowould need to meet your day to day living expenses if you are unable to work 
  • How much money you or your family might need if you were disabled or died in an accident  
  • If you would like a benefit period of 12 months or two years;  
  • The length of any waiting period before payments will be made to you (ranging from 7 days – 28 days)The waiting period chosen is one of the factors that will have an impact on how much the cover costs. 

Could this happen to you? 

Accidents and illness are unfortunately a part of life, no matter how hard you try to avoid them.   

Winning Goal 

A social game of Rugby resulted in a scaffolder rupturing ligaments in his leg. He received a weekly benefit of $1,600 per week during his recovery period and the Insurer also worked with him on a rehabilitation plan which helped him return to work sooner.  

Back on track 

A trip resulted in an accident for one poor bookkeeper.  She suffered multiple fractures and other ligament/tendon injuries which left her unable to work for 4 months.  She was able to claim $2,800 per week for her time off, and received $44,800 in total, helping her cover her bills whilst she was out of action. 

An unexpected fate 

When doing some home DIY, a physiotherapist fell from a roof and died. His wife received a payment of $200,000 for his accidental death. 

**Maximum limits apply