Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... organisation they may stipulate that you have certain insurance to work for them. For example handymen are often required to have at least $5 million public liability cover to secure work with real estate agents. How ...

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The Winner of the 41st BizGiver Grant is Baldyhall Rural Engineering

Baldyhall Rural Engineering Pty Ltd is a small family owned business servicing the rural sector. The company offers a mobile service in a 100km radius from Stroud Road ... is best known for friendly reliable maintenance services to our local rural community. This includes handyman work, fireplace installation, MIG, TIG and MMA welding and general steel fabrication and machining. Why ...

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So you want to start a side hustle? Here's what you need to know - Part 1

Dreaming of starting your own side-hustle? Well, you're not alone, with the latest findings in the nbn Side Hustle Report sharing that 1 in 4 Aussies have started a ... setting up your market stand of cupcakes or offering your handyman skills, let's take a look at what you ... need it, the world is your oyster. To arrange business insurance for your side hustle, the team at BizCover are a ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... it not only gives you peace of mind knowing that there is protection in place for when disaster strikes, Public Liability insurance may also be a requirement if you are working under a contract or as a condition of entry ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... the ins and outs of Public Liability insurance and what you need to ... bits. So ... and broke the plaster. The pl a sterer ‘ s insurer settled the claim paying just under $1 , 000 for the damage. Getting cover Sorting out your Public Liability insurance shouldn ‘ t be a ...

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5 Tips for getting the best Public Liability insurance for your business

... business and your customers with Public Liability insurance. It offers protection should a ... , or even member of the public, sue your business for ... as it sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty ... to hold a minimum of $5 million PL insurance in order to secure a plumbing license. There ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... business' activities. Failure in obtaining public liability insurance policy can expose ... your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... for your business? Not all Public Liability policies are the same and ... ... T erritory ha s its own set of laws when it comes to legal requirements for holding Public Liability insurance. For some trade professions, it may be mandatory to have a policy in place before you can ...

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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

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The difference between Public Liability and Professional Indemnity insurance

... most common types of business insurance, but do you really know ... protect your business. What is Public Liability insurance*? Public Liability Insurance ... different forms of cover and how they can protect your business. What is Public Liability insurance * ? Public Liability Insurance is designed to provide protection for you and your business in the event ...

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Cyber Liability Insurance: the safety net small businesses need

... to hit, but the wider public is now starting to realise ... ... some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional ... costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... of the main types of business insurances on the market . Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance  provides protection* for  you and ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... for certain, and that is, finding the right insurance is an essential part of managing the risks involved ... liabilities. Public Liability Insurance Every business should consider Public Liability Insurance ...

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BizCover SME Insurance Price Index Q1 FY20

... material price reductions on their Public Liability insurance, while prices have remained steady ... ... all products, driven by both a 5% (Retail) and 13% decrease (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts the steady industry increases we have seen for ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... . Insurance for market stall holders is designed to protect you and your business against the financial risk in the event that something goes wrong, It usually consists of two types of cover - Public Liability and ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... you want is a liability claim. Public and Product Liability (often sold together) are two types of business insurance to think about when protecting your business. Public Liability  insurance is  intended to ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... , for example, falling over a piece of yoga equipment that's been left on your studio floor, Public Liability insurance can cover the related costs to defend such claims. Any compensation awarded to the claimant may also ...

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What are some types of insurance available for small businesses?

... consideration is getting your business insurance sorted. There are many kinds ... it comes to getting your insurance sorted because no two businesses ... take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer ...

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Understanding Insurance for Real Estate Agents

... consider the appropriate kinds of insurance you may require to keep ... ... their property, things don't always go to plan and that's where Public Liability insurance saves the day. Public Liability insurance  is designed to provide protection for you and your real estate agency in ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... offer protection for different types of risks. Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance is designed to provide protection* for you ...

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7 Surprising ways business insurance can help your company

... of sorting out your business insurance may feel like an overwhelming ... ... the effect upon your business reputation too. One of the common types of business insurance to consider is Public Liability insurance*. It provides peace of mind and is designed to provide protection for you ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... at your business premises could end up costing you more than a few boxes of groceries! Public Liability insurance is designed to protect your business against such claims by covering your legal and defence costs, and ...

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Understanding Insurance for Mortgage Brokers

... the appropriate types of business insurance. [] ... premises or you to accidentally cause damage to their property for a claim to be made. Public Liability insurance is  designed to provide protection for you and your business in the event a customer, supplier ...

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Understanding Insurance for Interior Designers

... where having the right business insurance in place is vital. Let ... and outs of how business insurance can protect your interior design ... ... * Whether you have clients visiting your premises or you are meeting them on – site, Public Liability insurance is one of the main types of cover to consider . Running your own business comes with ...

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Understanding Insurance for Retailers

... , and that's where business insurance can help save the day ... ... covers available to retailers. Public Liability Insurance* This is one of the fundamental business insurances retailers may need to consider . Public Liability insurance is designed to provide ...

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A guide to Plasterer's insurance that won't leave you, board

... by not having the right insurance in place? Read on to ... ... to the victim and still be able to survive financially? Many contracts will require you to have your own Public Liability insurance before you even step foot on site. Make you sure you arrange your cover with the right ...

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Understanding Insurance for Graphic Designers

... , that's when your business insurance comes into play. We've ... ... you are interacting with clients at your business premise or you are out visiting them, Public Liability insurance can protect you anywhere within Australia. It provides coverage for you and your business in ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... been in business for a while and looking to buy insurance for the first time; there are a few questions you ... areas of cover available to businesses. Public Liability insurance covers against the legal costs for ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... both sectors saw no changes to the cost of their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over the last few years, however this year the increases ...

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BizCover SME Insurance Price Index Q1 FY21

... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...

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Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... medical centre or leased premises , it may also be a requirement for you to have your own Public Liability insurance policy. Always be sure to check the level of cover required to ensure you have the appropriate level ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... basis, there is a chance that something can go awry and the chance of a claim occurring. Public Liability insurance is an essential form of cover to protect you against financial losses that arise from a claim of ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... . As with many trades in Australia, it may also be a legal requirement to have Public Liability insurance in place before you undertake a contract or step on site. Protecting your most valuable asset ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... training services. Find Out More About Public Liability Insurance As a personal trainer you'll also ... ,000,000 Professional Indemnity and $10,000,000 Public Liability. A combined policy can start at from as little ...

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5 insurances every convenience store owner needs to know about

You're a retail lifesaver, helping customers at all hours with all sorts of essentials, from early morning coffees to midnight snacks. As a convenience store, you've ... very costly without the right protection. Public Liability insurance can provide you with peace of mind ... you are going to want to insure it! Building insurance covers the costs of repairing or rebuilding your store as ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... , is by purchasing something called Professional Indemnity Insurance , this is a very safe option to ... insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance ...

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5 Reasons To Review Your Business Insurance This Christmas

Christmas can be a busy (as well as stressful!) time for many small businesses. Come December the big Christmas countdown is on as people are busy preparing for the ... Now's the time to make sure you have Public Liability insurance , and if you do have it, ensuring ... are carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft or damage ...

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Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share the ... is ... . This allowed him to recover without worrying about his lost income. Cyber Liability What is Cyber Liability insurance? Cyber Liability insurance* is designed to help protect you from claims and support your ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability ... . Graph 2 – BizCover PL/BizPack Retail Index (Financial Year ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from ... ... insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability ... It should be noted that the IT Liability policies do not provide cover for any ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... based on the size, scope, and type of land surveying projects your business uses. Public Liability Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... ... Naturalé Lynn Ross also holds extra cover options to her professional indemnity insurance. Lynn purchased public and products liability (PPI) when she started her business selling natural and organic skincare products ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... level of exposure may have increased, so you might want to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in nature to your business. If you have taken on extra ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... things such as their legal liabilities and top of mind assets ... ... to ensure you have your Public Liability cover in case a customer or member of the public is hurt or injured ... clients you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... lower premium. To put this in perspective, a public liability policy for an SME working from home generally costs ... business is on the move and changing and so your insurance needs will also be changing and you'll want to ...

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STABLE INSURANCE RATES A REASSURANCE FOR SMEs

BizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... ,” he said. “Key sections of business pack insurance that are frequently used by retailers such Contents, ... being offset by increases in the cost of Public Liability and Professional Indemnity in other industries,” he ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... the non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ... abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase ... the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 ... rates in the non professional sector with Public Liability and Business Packs (predominately covering perils ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... .com), a leading-edge online insurance model that connects independent professionals ... businesses to critical Professional Liability (E&O) insurance ... to a new way of thinking, a new way of underwriting, and a new way of pricing professional liability insurance for independent professionals and small businesses. Our online model (made mainstream by the personal auto ...

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Protect your business with Statutory Liability Cover

... are many different types of insurance policies available to small businesses ... are unaware that there is insurance designed to protect against ... business owners are unaware that there is insurance designed to protect against fines and penalties resulting ... can afford to make. This is where Statutory Liability insurance comes into play – designed to help cover the ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... have” insurance: Public Liability – protects against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them. Every business should have PL ...

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Beauty to go! What Mobile make-up artists need to know about insurance

There are some obvious pros to working as a mobile freelance make-up artist - you have control over the hours you work, you get to work with a wide range of clientele ... a claim to be made. Fear not, Public Liability insurance can help clean up the mess by covering ... why it is good to have your Professional Liability and Public Liability cover combined through the one insurer as these ...

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A Mumpreneurs Guide to Understanding Business Insurance

The art of juggling parenthood while running your own business is anything but an easy feat. Theres always something screaming for your attention, from managing client ... common types of business insurance. Public and Product Liability insurance* One of the main types of business insurances to consider is Public Liability and Product Liability insurance. These are particularly worth ...

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The Easter Bunny's Guide to Business Insurance

Each year at Easter millions of kilograms of chocolate are purchased and consumed around the world. In Australia alone close to $200 million is spent on Easter chocolate ... if the hunt was organised as a public event, it could also represent a public liability risk, for which the Easter Bunny has ... stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... include Business Interruption as part of your Business Insurance package. It's important to remember that your ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you are ...

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them and the simplest of ... under my contract with my landlord to hold a Public Liability policy. I've always enforced strict health and safety ... against them by making sure you have the right insurance policies in place. It's also a wise idea ...

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Professional Indemnity Insurance for Civil Engineers

... a professional, considering Professional Indemnity insurance to protect* you and your ... ... design and construction of structures typically used by the general public. What is Professional Indemnity insurance? Professional Indemnity (PI) insurance* is an important form of protection for businesses that ...

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Misconceptions Around Professional Indemnity Insurance

... that the claims professional indemnity insurance covers are only the experiences ... ... do not win, a certain portion of the public usually believes the accusers claims. This can be ... the level of risk involved. Businesses or consultants whose insurance coverage is not sufficient may need to draw funds from ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... and outs ... a bit easier . We've created a guide to business insurance for the self-employed that profil es the main types ... Intentional damage   Contractual liabilities   Your p rofessional ...

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A Guide to PI Insurance

... to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity ... is Professional ... BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live ... allows business professionals to compare policies from leading insurance providers ( AIG , Dual and Vero ) ...

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iSelect partners with BizCover to launch business insurance comparison

... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... with one of BizCover's trained consultants. Mark Pangrazio, iSelect's Head of Commercial for Health & General Insurance, said the company was thrilled to be partnering with BizCover to assist it in focusing on the SME ...

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Business Insurance Guide for the Self-Employed - Part 3

... in the world of business insurance, it can feel like you ... guide on all things Business Insurance for the self-employed. In ... back to basics ... storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass ... . A way to look at what business insurance options your business may need is by gauging ...

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BizCover Disrupts Insurance by Commoditising it

... the BRW article. Self-proclaimed insurance industry disrupter BizCover is trying ... by letting newcomers to the insurance sector, such as Coles ... the permission of four of the nation's major insurance houses to sell their products. BizCover targets the ... . BizCover provides general advice and assistance through the insurance buy and claims process. But it has the ...

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What Limit of Professional Indemnity Insurance Do I Need?

... 'What limit of Professional Indemnity insurance do I need?' While this ... ... whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their ... selecting an appropriate limit of Professional Indemnity Insurance. These include: The size of your ...

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How Does Professional Indemnity Insurance Benefit You?

... advisable that you have professional insurance, which can also be referred ... to as professional indemnity insurance. Professionals are expected ... , which can be filed against them by their clients. It is advisable that you have general business insurance in order to protect you from financial losses caused by property damage or bodily injury. In addition to ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on ... data of almost 5,000 BizCover customers with PI insurance during the 2016/17 financial year, the average monthly ...

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BizCover SME Insurance Price Index Q2 FY20

More larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... Retail & Hospitality. Whilst all three groups have experienced no increases in the overall price of their insurance, there have been changes within product groups and industries. The Full Report can be viewed here: SME ...

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Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... 'lock up' operations. Business interruption insurance can provide both peace of ... ... a vital element in your wider disaster recovery plan - a plan that should include both a broader insurance package and (crucially!) a clear guideline for how your business would react and recover after a disaster event ...

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Reviews related to Handyman Public Liability Insurance

  • Always great to deal with. Thanks BizCover.

    Harold G
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Awesome Service!!!!!

    Shanice L
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Daniel was perfect in every way.

    Raymond G
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • East to use and navigate

    Stefan T
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Easy

    Jackson L
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Easy peasey lemon squeezy

    Kevan C
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • easy site to navigate

    Dale M
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Easy to Apply and well priced

    Michael H
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Easy to complete process, good phone support, thankyou.

    Scott C
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Easy to fill out

    Damien H
    Gardening and Handyman Services (excluding gas, plumbing and electrical works requiring a license)

  • Good pricing compared to my own insurer even after having 5 other policies with them for the last 5 years

    Leon B
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • it was good easy to use

    Shane M
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • quick and easy to use!!! great work team!!

    Vlad U
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Quick and simple

    Stuart M
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Thank you, Francisco, for the service provided to me.

    Zhaobing M
    Gardening and Handyman Services (excluding gas, plumbing and electrical works requiring a license)

  • Thx Joey

    Gregory L
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • Very easy to use Website

    Adam Y
    Handyman (excluding gas, plumbing and electrical works requiring a license)

  • WAS VERY EASY

    ARMINDO N
    Handyman (excluding gas, plumbing and electrical works requiring a license)

Get instant quotes

Why do Handymen need it?

You fix your client’s DIY problems; we’ll help your liability problems with business insurance. At BizCover, a few clicks or one call can solve all. You’ll get multiple competitive quotes from leading insurers, then all you need to do is select your preferred policy and you’ll be covered as quick as a flash.

Did you Know?

If you operate as a sole-trader you are personally responsible, both legally and financially, for your business. In other words, you may have a personal liability which can affect your personal assets if things go wrong.

Handyman Insurance

Public Liability Insurance*

Small jobs can have big consequences if it doesn’t go to plan! If you accidentally cause an injury to a customer or damage their property, you might be faced with a public liability claim which can end up costing thousands of dollars. Somebody trips over your toolbox and breaks a bone or two; you knock over your client’s expensive antique vase – the list of potential mishaps can go on!

Public Liability insurance is designed to cover legal fees and compensation costs if a customer, member of the public or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activities.

Tip: Electrical and plumbing work can only be undertaken by tradespeople who hold the relevant qualifications. If you are qualified and licensed and intend to do this work as part of your handyman service, in taking out your business insurance you must select your occupation as either Electrical or Plumbing Services and advise that you undertake more extensive handyman services.

Business Insurance*

Chances are you rely on your own tools and equipment to run your business, but how would you cope if they were damaged or stolen? The good news is you can protect them with General Property cover. It covers your essential gear against theft or damage anywhere in Australia, on or off the job.

Business Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

Personal Accident and Illness insurance*

You rely on your physical ability to get the work done – but have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work to recover? Accidents can happen anywhere, anytime. They can happen at work or even when you’re out and about in your spare time.

Personal Accident and Illness Insurance can provide different levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness (even if it occurs outside your work). You can keep paying the bills and putting food on the table without having to worry.

*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.

Claim example

A handyman was hired to remove some tiles from a bathroom in an apartment when he accidentally penetrated the wall with the jackhammer bit, damaging a water pipe, which resulted in a significant amount of water being discharged.

The handyman had to break into the service room to gain access in order to shut off the water, but by the time he was able to do this the water had leaked into the apartment below causing damage to the ceiling and contents that were stored in a cupboard.

Fortunately, the handyman’s Public Liability policy responded and covered the cost of the damage, which included repairs to the water pipe, ceiling and service room door, and compensation for the damaged items that were stored in the cupboard. The total claim came to an amount of $8,614.