Personal Accident and Illness

... can get quotes and Personal Accident and Illness insurance within minutes and once covered you ... an impact on how much the cover costs. Could this happen to you? Accidents and illness are unfortunately a part of life, ...

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Personal Accident and Illness Insurance for Tradies

... you? As far-fetched some accident stories may sound, the reality ... risks, and if something does go wrong, it could cost you an ... ... cost you an arm and a leg to be off work while recovering from an accident or even an illness. That's where Personal Accident and Illness Insurance ... Personal Accident and Illness insurance is an important type of cover to ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection when you can ... or sickness. A policy will cover your lost income Personal Accident and Illness Insurance (IPA Cover)offers financial protection when you can no longer work due to an injury or sickness. A policy will cover your lost income while you aren't working or pay you a lump ...

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Business Insurance Guide for the Self-Employed - Part 4

... look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of ... consider these forms of cover. What is Personal Accident and Illness insurance? Personal Accident and Illness (PA) insurance* covers you for loss of income if you were unable to work ...

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Insurance for Handymen

... insurance is designed to cover legal fees and compensation costs ... and about in your spare time. Personal Accident and Illness Insurance can provide different levels of cover for loss of income, permanent disablement and ...

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Insurance for Cleaners

... anywhere, anytime. It could be at work or even when you're out and about in your spare time. Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an ...

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Insurance for Electricians

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

... a wide range of clientele, and you can build your own ... of. But making people look and feel amazing is just [ ... ... , providing cover for the cost of repairing or replacing your 'tools of trade if they are accidentally lost, damaged or stolen (from a locked premises or vehicle). Personal Accident and Illness Insurance Being self ...

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Insurance for Carpenters

... quotes and cover arranged in minutes. Did You know? Generally, Public Liability policies will exclude the costs ... protection in place. Personal Accident and Illness insurance* can provide levels of cover for loss of ...

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Insurance for Plasterers

... off work to rest and recover. Accidents can happen anywhere, anytime. Personal Accident insurance will have you covered on and off the job. Personal Accident and Illness insurance can provide levels of cover for loss 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, ... eye for detail, with precision and creativity learnt over time. Building ... , the associated defence costs can hit the hip ... Personal Accident and Illness insurance can provide some reprieve when you need it most. Personal Accident and Illness insurance* can provide different levels of cover ...

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Insurance for Dog Walkers

... move in the 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 ...

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Insurance for Dog Grooming

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Insurance for Lawn Mowing Services

... ill or suffer an injury, how would you keep the cash flowing? Personal Accident and Illness insurance provides a safe guard when disaster strikes at work and will also cover you when you've downed the gardening tools ...

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Insurance for Painters

... football with the kids on the weekend. Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for ...

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Bizcover and National Retail Association

... help you with cover for Personal Accident and Illness, Cyber Liability and Tax Audit. Your Exclusive Discount National Retail Association members receive up to 15% off on Business Insurance Packs and Public Liability ...

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Home Based Business Insurance

... include cover for expenses and legal costs relating ... Personal Accident and Illness insurance comes into play, especially when you don't have access to sick leave. Personal Accident and Illness insurance can provide cover ...

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Insurance for Pizza Shops

... in the policy. Machinery breakdown - Machinery breakdown insurance covers the cost to repair or replace specified machinery following a breakdown.  Personal Accident and Illness** From cooking up a storm in the ...

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Insurance for Car Wash and Auto Detailers

... compare multiple quotes from some of Australia’s leading insurers. Did You know? Portable Equipment cover* can ... , bills and business costs? Personal Accident and Illness insurance can provide levels of cover for loss ...

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Insurance for Tradesmen

... house or playing a game of backyard footy on the weekend. Personal Accident and Illness Insurance provides levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result ...

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Insurance for Butcher Shops

... machinery. Personal Accident & Illness* No matter how much care you take when you're slicing and dicing, accidents happen, both on and off the job. Personal Accident and Illness insurance can provide levels of cover for ...

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Insurance for Furniture Manufacturers

... is where business insurance comes into play and should be one of ... , with many types of cover available in the insurance marketplace ... Breakdown* - Machinery breakdown insurance covers the cost to repair or replace specified ... the business.  Personal Accident & Illness Insurance* Personal Accident and Illness insurance can provide cover options for: ...

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Insurance for Furniture Manufacturers

... Machinery Breakdown* - Machinery breakdown insurance covers the cost to repair or replace specified ... business. Personal Accident & Illness Insurance* Personal Accident and Illness insurance can provide levels of cover for ...

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Insurance for Cabinet Makers

... activities. It will cover legal fees and compensation costs associated with that ... Personal Accident and Illness insurance has got your back. Personal Accident and Illness insurance can provide different levels of cover ...

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Insurance for Civil Engineers

... and Illness Insurance No matter how much care you may take, accidents and illness can strike without any warning, often resulting in time off work to recover Personal Accident and Illness insurance can provide cover ...

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Insurance for Pet Professionals

... ? 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 unable to work ...

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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 ... ... you keep paying your staff, your bills and get dinner or the table? Protecting yourself from unexpected accidents and sickness with Personal Accident and Illness insurance ensures that you will still receive an income ...

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Insurance for Landscapers

... of insurance solutions at the click of a mouse or over the phone. Receive multiple quotes and compare ... living expenses, bills and wages? Personal Accident and Illness insurance can provide levels of cover for loss of ...

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Insurance for Electrical Engineers

... or actual wrong-doing. Personal Accident & Illness insurance* Accidents can happen on even the most professional and organised working conditions. Should the unexpected happen, this product can cover your income* if you ...

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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 ... policy is right? How much cover is enough? Whether you're ... business for a while and ... professional fees for accountants, lawyers, bookkeepers and other advisers, as well as other expenses incurred as a result of an audit by the ATO Personal Accident & Illness insurance covers you for lost income if you ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding ... your clients achieve their goals and transform their lifestyles, but it ... consider how to protect ... can also include cover for illnesses as well. Find Out More About Personal Accident Insurance It is scarily ... cover yourself for? Once you've considered type of risks that your business will face and the potential costs ...

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Managing the work-life balance see-saw: Secret tips for small business owners.

... healthy lifestyle, looking after family, and commitment to hobbies the list ... goes on! And unfortunately, it is often our ... ... of $3000 a week, assisting with both business cost and personal expenses. Anywhere, anytime- Rest assured that with Personal Accident and Illness cover you are covered with protection anywhere in the world, not just ...

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Toolbox of Tips for Tradies National Health Month

... raise awareness around the health and safety of tradies. According to ... -third of the Australian workforce and represent over half of the ... ... a sole trader or contractor and not covered by Workers Compensation, that's where Personal Accident and Illness (PA) insurance comes into play. Personal Accident insurance* can provide levels of cover if as a result of ...

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Insurance for Personal Trainers

... .  No matter how fit you are, accidents can still happen on and off the job. Personal Accident and Illness insurance  can provide levels of cover for loss of income, permanent disablement and even death if you are unable ...

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Big Bunny Business: An Interview with the Easter Bunny

... of our favourite furry friends and expert chocolatier, the Easter Bunny ... step and a swagger in his tail, we asked him what insurances ... of my Public Liability Insurance comes into play. It would cover the cost of damages awarded to ... action as the Easter Bunny, and my back up plan is my Personal Accident and Illness insurance. Being self-employed means, I ...

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What does Professional Indemnity Insurance cover?

... pearls of wisdom and expert services, ... costs Public relations costs Bodily injury or illness caused from the professional services covered under the policy What is typically not covered by Professional Indemnity Insurance ...

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What does Public Liability insurance cover?

... and ... Insurance is designed to provide cover for include: Any award or settlement of compensation to a third party due to them sustaining personal injury or property damage due to your negligent business activities Costs ...

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6 Areas You May Not Have Thought Business Insurance Covers

... to protect your business assets and revenue against potential risks that ... and accidental damage. When insuring your business you should consider ... a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs of a legal claim should a ...

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Insurance for martial art teachers

... . The policy will cover compensation payable to third parties together with your defence costs (which will include reasonable legal costs, investigation costs and court fees). Public Liability Insurance* There's no ...

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Insurance for Cafes

... business has never been easier, receive multiple quotes, compare and get insurance cover in minutes. Did you Know? Public Liability Insurance: A range of limits of cover is available through BizCover, between $5 million ...

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Insurance for Yoga Teachers

... ? What kind of accidents could happen associated with your yoga services? What could be the potential cost if a claim (or even multiple) was made against you? *As with any insurance, cover will be subject to ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes you need to get ... -gritty to understand what insurance is being offered and ... with the insurer and detailed in your insurance schedule. There are a couple of types of cover within this ... a computer or electronic device INCREASED COST OF WORKING – the additional costs incurred by you to prevent a ...

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A Guide to PI Insurance

... Professional Indemnity Insurance simple (also known as errors and omissions insurance, PI or ... Professional Indemnity). What is Professional ... professional duty. Professional Indemnity Insurance may protect you from such action by covering claims made against you, including legal defense costs up to your specified amount of cover, and after taking into account ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or ... . Failure in obtaining public liability insurance policy can expose a business ... inevitably ... , court fees and legal costs can potentially cripple a business as they are paid out of pocket. Type and Level of Public Liability Insurance As with other forms of insurance, the level of cover required varies dependent ...

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Misconceptions Around Professional Indemnity Insurance

... that the claims professional indemnity insurance covers are only the experiences of ... not true, in this day and age anyone can sue anyone ... ... misconception is that the claims professional indemnity insurance covers are only the experiences of the business that does inadequate work for clients. This is not true, in this day and age anyone can sue anyone else ...

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Public Liability Insurance Scenario

... is hurt - badly - and you're responsible. You hang ... ... cover your business against accidents is a relatively simple process. Purchasing public liability insurance online, where quotes are instant and ... traditionally time-and-cost-sapping process of buying business insurance is ...

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

... protecting your business and your customers with Public Liability insurance. It offers ... business for personal injury, death, or damage ... accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty legal and compensation costs ... Liability policy. 4. Get multiple quotes Of course all business owners look ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... an overwhelming choice of policies and policy options [] ... accident, theft or vandalism and extends to cover windows, mirrors, porcelain and illuminated signs. You may want to consider this form of cover ... insurance. It provides cover for loss of income and the increased costs of ...

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The Easter Bunny's Guide to Business Insurance

... kilograms of chocolate are purchased and consumed around the world. In ... ... from risks such as machinery failure, accidents/illnesses and other threats. So what exactly ... Insurance pack the Easter Bunny would have cover for machinery breakdown and the deterioration of stock, covering the cost ...

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The Remaining Risk: What Isn't Covered and Why it Matters

... most common issues with Business Insurance is that policy owners often ... it does protect you against, and the risks that still remain ... aware ... a service. Business Insurance – This can cover your work premises and contents against loss, damage or theft, and guard against financial loss arising from any interruption to the business. Personal Accident – If you're ...

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Public Liability Insurance in Perth

... of the other quote. Hopefully I will never find out how good the insurance is……” Derek S. Geophysical Consultant What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury ...

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Public Liability Insurance for Cabinet Makers

... against unplanned challenges, like an accident or a claim, should be ... and can be done easily with the right kind of business insurances ... peace of mind knowing your business is covered. Get in touch today to access quotes from some of Australia's top insurers and arrange your cover in minutes. *As with any insurance, cover will be subject to the terms ...

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Insurance for Psychologists

... a result of your negligent business activities. Accidents can and do happen- something as simple as a client ... *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the ...

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Public Liability Insurance in Mandurah

... and happy.” Mishelle O. Retail What does Public Liability insurance cover? Public Liability insurance covers claims for personal ... period How much does Public Liability insurance cost for Mandurah businesses? On average, ...

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What are the Insurance Options for Land Surveyors?

... exceptionally hard, mistakes can occur and have the potential to lead ... the nature of the job and the potential of other work ... issues, protecting ... should occur. We work with leading insurance providers and provide quotes in minutes. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Public Liability Insurance in Rockhampton

... What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a ... the various industries and occupations Public Liability insurance can cover, the cost of it can ...

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Public Liability Insurance in Hobart

... does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by ... Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary ...

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Public Liability Insurance in Darwin

... and gratitude.” Kelly K. Homeopath What does Public Liability insurance cover? Public Liability insurance covers claims for personal ... period How much does Public Liability insurance cost? On average, small businesses in ...

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Public Liability Insurance in Brisbane

... and valuable time. Job well done.” Michael R. Engineering Consultant What does Public Liability insurance cover? Public Liability insurance covers claims for personal ... your insurance is actually going to cost.  However ...

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Public Liability Insurance in Adelaide

... does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by ... Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary ...

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Public Liability Insurance in Port Macquarie

... and smooth. ” Mark T., Moulding manufacturer What does Public Liability insurance cover? Public Liability insurance covers claims for personal ... of how much your insurance is actually going to cost.  However, it's ...

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5 Surprising Things Business Insurance Can Cover

... for Business Insurance, most small business owners typically worry about covering the ... major things such as their legal liabilities and ... other associated costs. Every business has different insurance needs depending on the industry you operate in, the kind of business you run, and the size of your business. You may not need cover for all of these things ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... straightforward, jump online, compare quotes and buy the insurance that suits your business ... quotes and buy the insurance that suits your business. But there are a few things you may not know about small business insurance ... your business insurance may cover personal items If you have cover for theft and there is ...

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Insurance for Massage & Alternative Therapies

... or attack. Costs associated with defending a cyber claim are also covered.  Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber ...

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Insurance for Restaurants

... can result in personal liability for alleged or actual wrongdoing. Tax Audit* As a restaurant owner you have enough to keep you busy day and night. Tax Audit Insurance covers a business for specified costs in the event ...

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Insurance for Allied Health Professionals

... their personal health or billing information. Cyber Liability insurance helps to protect you from claims and supports your profitability in the event of a cyber breach or attack.  *As with any insurance, cover will ...

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Insurance for Finance & Mortgage Brokers

... with are inadvertent loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event. *As with any insurance, cover will be subject to the terms ...

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Insurance for Convenience Stores

... policy. Glass*– covers the cost of replacing internal or external glass including mirrors and shopfront windows that may be accidentally or maliciously damaged or broken. *As with any insurance, cover will be subject ...

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How the cost of Professional Indemnity insurance is calculated

... the cost of a Professional Indemnity (PI) insurance policy is calculated and why ... one profession can often cost more ... that that ... ? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of risks, the higher ...

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Insurance for Consultants

... ll be exposed to potential mishaps and accidents - think of a client tripping ... personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event. *As with any insurance, cover ...

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

... control of your earning potential and the upside can be great ... of outlays to make initially and deciding what you spend your ... limited resources ... business assets that are at risk, your personal assets are also on the line. Having a Management Liability policy in place can cover you not only for your legal and defense costs, but also for any damages awarded, fines ...

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Insurance for makeup artists

... In other words, your personal 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 ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber ...

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Social Media Insurance

... politically charged rant - and that was from her personal account even. As a quote by Abraham Lincoln, we found on social says “If you don't have social media insurance, you are a fool.” It will also cover you for rogue ...

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Insurance for IT Professionals

... are, we don't need to convince you that getting multiple quotes online, in minutes, is the quickest and most efficient way to secure great insurance cover for your business. Did you know? The nature of work undertaken ...

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Insurance for Accountants

... competitive quotes from some of Australia's leading insurers is a cost-efficient way to secure insurance cover for ... *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the ...

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Business Insurance in Wollongong

... and occupations business insurance can cover, the cost ... and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote ...

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Business Insurance in Geelong

... spoke with Daniel and Matt, and both of them were extremely friendly and helpful in getting quotes and sorting my annoying ... Given the various industries and occupations business insurance can cover, the cost of it can vary ...

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Business Insurance in Bunbury

... and occupations business insurance can cover, the cost ... and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote ...

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Cyber Insurance: Is it worth it?

... customer data they can steal and sell on the black market ... ... for regulatory defence, penalties and fines. Isn't cover pricey? Like most insurance, premiums vary by insurer, the type of cover selected and your risk profile. A policy with $100,000 cover could cost as little as $350 ...

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Insurance for Marketing Consultants

... include tax audit, statutory liability or employment practices insurance cover. Cyber Liability* Consider the client data or personal information you may be storing and the consequences if it were to be compromised. A ...

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Business Insurance in Melton

... 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 including:  The ...

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Business Insurance in Parramatta

... 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 including:  The ...

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Business Insurance in Toowoomba

... and occupations business insurance can cover, the cost ... and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote ...

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Business Insurance in Townsville

... and occupations business insurance can cover, the cost ... and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote ...

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Business Insurance in Launceston

... and occupations business insurance can cover, the cost ... and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote ...

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Business Insurance in Mackay

... 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 including:  The ...

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Business Insurance on the Gold Coast

... out business insurance packages, the cost of it can vary greatly. This is due to several factors including:  The type and nature of your business Your business turnover and size The amount of insurance cover your ...

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Business Insurance on the Central Coast

... and occupations business insurance can cover, the cost ... and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote ...

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Get instant quotes

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.

Download Personal Accident & Illness Fact Sheet

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: 

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