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 ... ... . If you are a self-employed small business owner or a contractor, Personal Accident and Illness insurance is an important type of cover to consider especially if you are not protected by Workers Compensation. There is ...

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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 ...

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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 ...

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Understanding Insurance for Interior Designers

... using an eye for detail and a creative flair. Like any ... where having the right business insurance in place is vital. Let ... through the ins ... . That's where Personal Accident and Illness insurance saves the day, by providing financial protection when you need it the most. Personal Accident  and Illness (PA) insurance covers you for loss of ...

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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 ...

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Understanding Insurance for Physiotherapists

... rely on your expert advice and services as a physiotherapist. You ... help ease their aches and pains from minor sprains to ... ... cover provides protection for the loss of income and increased costs of ... cover is an additional cover option available when you take out a  Business Insurance  policy. Personal Accident and Illness insurance ...

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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 ... 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 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 ... business.  Personal Accident & Illness Insurance* Personal Accident and Illness insurance can provide cover options ...

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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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Understanding Insurance for Graphic Designers

... graphic designer is an exciting and creative job but like other ... invest in your artistic talents and have high expectations when it ... , that ... can happen even in the most professional and organised working conditions. Should the unexpected happen, Personal Accident and Illness insurance can help cover your income* * if you're unable to work ...

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7 ways to improve your tradie business' productivity

... of tradie businesses out there and it's never been easier ... the help of online platforms and apps. That's why it ... ... a tradie: Public Liability insurance* Personal Accident and Illness insurance* Portable Equipment/ Tool Cover* Tax Audit insurance* Cyber Liability insurance* Whether you are ...

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Top 5 tips for tradies starting their own business

... business is both an exciting and nerve-wracking time with so ... much to think about, plan and get into motion. One of ... days are ever the same ... the stages, time required, costs etc not only helps ... insurance * Personal Accident and Illness insurance * Portable Equipment/ Tool Cover * Tax Audit insurance * Cyber Liability insurance ...

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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< ... 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 ... also include cover for illnesses as well. Find Out More About Personal Accident Insurance It is ... 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 ... ... trader or contractor and not covered by Workers Compensation, t hat's where Personal Accident and Illness (PA) insurance comes into play . Personal Accident insurance* can provide levels of cover if as a ...

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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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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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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 ... 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 ... ... , 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 ...

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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 ... ... 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 ... time-and-cost-sapping process of buying business insurance is ...

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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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7 Surprising ways business insurance can help your company

... often means wearing many hats and making important decisions about your ... to looking after your staff and everything else in between there ... ... business contact BizCover today. We provide multiple quotes from some of Australia's leading insurers, so you can compare and get covered in minutes. *As with any insurance, cover will be subject to the terms ...

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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 ... policy. 4. Get multiple quotes Of course all business owners look ...

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The Easter Bunny's Guide to Business Insurance

... kilograms of chocolate are purchased and consumed around the world. In ... ... to get contaminated, it would likely result in illness to a large number of customers. You can ... 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 ... . 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 ...

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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 ... 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 ...

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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 ...

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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 ... business insurance may cover personal items If you have cover for theft and there ...

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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 ... cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and ... there are increases in increments to your level of cover, you will not necessarily see an excessive increase ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... of responsibility and a certain ... 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 ...

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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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A Mumpreneurs Guide to Understanding Business Insurance

... attention, from managing client requests and orders, packing the kids ... marketing campaigns, sending packages, oh and maybe squeezing in 5 minutes ... with customers and create your products. Public Liability insurance covers legal fees and compensation costs if a ... damage or personal injury caused by your products. Professional Indemnity insurance* If you ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those fundamental covers that most SMEs ... to consider when arranging appropriate cover for your business ... to go with a lower premium to save on costs but the cheaper option may not represent a true saving ... I required to have Public Liability insurance cover ? Each S tate and T erritory ha s its ...

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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 ...

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The Reality of Retail- Real Life Claims and How Business Insurance can Help

... of retail is fast-paced and varied, with no two days ... creates a recipe of risks and opportunities for things to go ... customers to handling ... had Machinery Breakdown insurance* and the insurer met the cost of repairing the freezer and the loss of stock which came to $1,799, net of the excess paid. Machinery Breakdown insurance covers the cost to repair or ...

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Insurance for architects- the blueprint to success

... the challenge of crafting plans and working on demanding projects where ... ... Interruption insurance to help your business get back on track by covering the increased costs of running your business and lost ... personal and client information, there's a constant risk for potential cyber attacks and ...

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Turn the spotlight on hackers and protect your data

... , when they hand over their personal information, there's some risk ... ... , the problem is so widespread it's said to cost the global economy $500 billion a year . The newly ... and health insurance providers all routinely work with people's personal data. Don't leave it too late, cover ...

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Understanding Insurance for Mortgage Brokers

... involves experience, strong product knowledge and trust. When your clients put ... your back covered with the appropriate types of business insurance ... 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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Understanding Insurance for Real Estate Agents

... estate agent is an exciting and ever-changing career. You're ... to help your clients find and sell their properties, a job ... consider the appropriate ... of your professional service or advice. Personal Indemnity Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.  Your Professional ...

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The difference between Public Liability and Professional Indemnity insurance

... most common types of business insurance, but do you really know ... cover and how they can protect your business. What is Public Liability insurance ... for registration and/or association membership. Public Liability insurance: what is typically covered and excluded? Public Liability insurance provides compensation for: personal injury suffered ...

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Keep calm and stretch on with Yoga Teacher insurance

Breathe in, breathe out, and let a wave of calm ... of arranging your yoga teacher insurance go. As a yogi or ... cover in place to protect your ... PR costs to help uphold your reputation What it doesn't cover: Intentional damage Fraud and dishonesty Known claims and circumstances Property damage Public Liability insurance When ...

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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 ... ... level of cover, a potential claim could cost you thousands of dollars (or even hundreds of thousands of dollars), and could be enough to put a small business out of business! Public Liability Insurance explained ...

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5 insurances every convenience store owner needs to know about

... , you've got all bases covered, but have you taken the ... the needs of your business and the best way to insure ... ... you own your bricks and mortar, you are going to want to insure it! Building insurance covers the costs of repairing or ... the right cover doesn't need to be an overwhelming task. Arranging a quick quote handpicked from ...

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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 ... steady due to the decrease in cost for Portable Equipment and relatively small demand for Business Contents cover within the Trades sector. To find out more about insurance options through BizCover, click here . ...

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What are some types of insurance available for small businesses?

... insurance sorted. There are many kinds of coverages on the market and ... it comes to getting your insurance sorted because no two businesses ... their fees can quickly add up .   Get covered Shopping around for business insurance quotes shouldn't be a hassle and at BizCover we aim to keep it as fuss free as possible. Enter the details ...

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Business Insurance Guide for the Self-Employed - Part 1

... opportunity to pursue your passion and being in control of your ... of managing your finances, marketing and other key plans for success ... focus ... insured was a personal trainer who provides ... quotes from some of Australia's leading insurers in the click of a button , hassle-free. *As with any insurance, cover will be subject to the terms, conditions and ...

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Professional Indemnity Insurance for Civil Engineers

... 're an expert in construction and oversee the development of civil ... for your pearls of wisdom and professional services. Like any profession . ... you ultimately may not be found liable and no compensation payment is made, the cost of defending your case can be costly, something which Professional Indemnity insurance will cover (up to your selected policy limit ...

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5 Reasons To Review Your Business Insurance This Christmas

... made, projects to be finalised, and extended opening hours to cater ... ... and see if your current policy will cover that cost. 3. Keeping that extra cash safe If you're responsible for Christmas deliveries, consider getting goods in transit cover as part of your business insurance ...

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Business Insurance Guide for the Self-Employed - Part 2

... the world of business insurance can be confusing which is ... insurance for the self-employed that profiles the main types of cover ... to ... . Without the protection of Professional Indemn it y insurance , personal assets like your home may be at risk to cover the claim-related costs. Time Something often overlooked is the amount of ...

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Business Insurance Guide for the Self-Employed - Part 3

... in the world of business insurance, it can feel like you ... you and created a simple, comprehensive guide on all things Business Insurance ... to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it for auditing. The policy covers the costs of accountants and other professional fees incurred in the course ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... down the ins and outs of Public Liability insurance and what you need ... ... business but jeopardise your personal finances too. Public Liability insurance covers your back when ... and defence costs associated with a covered claim What does Public Liability insurance typically not cover ...

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Introducing our newest cover option: Personal Perishables Cover

... not an actual product offering and was done for satirical purposes ... had your lunch or other personal items stolen or accidentally consumed .. ... Perishable Insurance. Personal Perishables Insurance covers working individuals for the loss of consumable items in the workplace from both intentional theft and unintentional consumption. The product can also cover ...

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Getting the Best Value on Your Business Insurance

... is now in full swing, and if you're like some ... with your money in 2016 and perhaps even save more! Whilst ... ... up! Check your insurance cover levels to see whether you have the right levels of cover. First let's make it clear, it's not a good idea to reduce cover just to save money (being underinsured could cost you a lot ...

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Understanding Insurance for Retailers

... their perfect purchase, managing stock, and taking care of your staff ... to go wrong, and that's where business insurance can help save ... insurance product, which protects your business against both the legal costs and expenses (including compensation payments) related to cybercrime incidents. Your coverage may generally include cover for expenses and ...

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

... your business and effectively 'lock up' operations. Business interruption insurance can provide ... both peace of mind and a much ... ... and professional costs involved in re-writing necessary business 'records and documents following loss or damage from an insured event. Business interruption insurance policies are specific, however, and don't cover ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small ... clients, cash flow, staff, stock and future planning. Managing business risk ... and 'nice to have' insurance. Examples of “must have” insurance: Public Liability – protects against legal and court costs ... buy insurance can save you time and money Shopping around to compare what's covered is ...

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Protect your business with Statutory Liability Cover

... are many different types of insurance policies available to small businesses ... as injury caused to clients and customers, and damage caused ... ' want to or can afford to make. This is where Statutory Liability insurance comes into play – designed to help cover the costs and expenses which can be incurred from an official investigation or inquiry made against ...

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BizCover SME Insurance Price Index Q1 FY20

... Liability insurance, while prices have remained steady across other products and occupations ... its highest in five years and transport ... [1] , with food inflation at its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices dropped to the ...

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BizCover Disrupts Insurance by Commoditising it

... and BRW. Click here to read the BRW article. Self-proclaimed insurance ... newcomers to the insurance sector, such as Coles and Woolworths ... claimed, “a huge amount” of personal insurance products are ­consumed through aggregators. Mr Gottlieb and business partner Gavin Donner are not new­comers to the insurance game. The pair built up - and still run - the ...

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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 ... Insurance works by insuring you the cost of a claim made that is equal to your client's monetary loss and will cover the cost ... to compare quotes from different companies offering Professional Indemnity Insurance. This way ...

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When it Rains it Pours: Understanding Flood Cover.

... comes to Business Insurance, understanding what's included and excluded from your ... when it comes to flood cover. But it doesn't need . ... or cyclone and associated ... cost? A: You will need to request a quote for including cover for flooding. Requests for flood cover are each assessed on a case by case basis by the insurer. If approved, your insurance ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... of your insurance to ensure that if the unthinkable happens and your ... not only have the right ... and business directors including their personal assets against legal costs for allegations of mismanagement, misconduct or legislative breaches. Cyber Insurance Protection against the expenses and legal costs ...

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5 Common Beauty Insurance Claims

... we take to prevent them and the simplest of setbacks can ... ... Thankfully my Business Insurance policy included building and contents cover”, says Sarah. ... covered against such risks. The last thing you want to have to think about is paying hefty legal costs should an unwanted accident ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

Getting a quote can be done online and only takes a few ... can protect yourself and your assets with business insurance. However, figuring ... insurer in respect of any insurance policy purchased through us and not as your agent. Any advice provided is general advice only and does not take into account your personal objectives, financial situation or needs ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... , but also with the additional cover [] ... emerged to change this, making business insurance simpler than ever. Providing multiple quotes instantly online, with Bizcover one can select and purchase the right cover immediately from some of Australia's leading ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... increase in the cost of business insurance, the BizCover SME ... increases in cost of cover for Portable Equipment and those in Retail have also seen cost of cover for Glass and Theft increasing, and both sectors saw no changes to the cost of their Public Liability insurance. SME ...

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BizCover expands into New Zealand and launches

... , the pioneer online insurance marketplace in Australia and leading provider of online ... professional indemnity insurance, has announced ... clients to compare and select the most appropriate cover in just minutes, and receive their policy documentation ... and other associated insurance products. To obtain a quote for professional indemnity insurance , and ...

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Common Small Business Insurance Claims and How to Prevent them.

... are out of your control and have a big impact on ... business and your bottom line. Whilst you've got the insurance to ... ... most common BizCover Business Insurance customer claims, and tips on how to ... and theft) by locking it onto the surface. Locks can cost as little as $20. You can also protect your machine by using keyboard covers and ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... edge online insurance model that connects independent professionals and small businesses ... E&O) insurance solutions. With unprecedented convenience ... insurance for independent professionals and small businesses. Our online model (made mainstream by the personal auto insurance ... compare multiple quotes from A-rated insurance carriers, choose and purchase the policy ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology ... face potential liabilities from clients and third parties everyday. Clients ... wrong and systems break down. This can lead to claims against them for compensation and legal costs which can ... covers is in response to commercial contracts between consultants and clients requiring these insurances in ...

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BizCover SME Insurance Price Index Q1 FY21

... trend of insurance price hikes. Whilst the Australian Small Business and Family ... Enterprise Ombudsman is running an inquiry into the availability ... 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. Trades businesses insured through ...

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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 ... and we are pleased our offering can now help these customers to meet their business, as well as personal, insurance ... managing their business insurance online or the ability to custom-tailor their cover to their specific ...

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BizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... quarter. Figures acquired from BizCover's SME insurance platform showed a decrease of 0.4 percent ... Contents cover in the Trades segment are being offset by increases in the cost of Public Liability and Professional ...

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Professional Indemnity Insurance 101: For Allied Health Professionals

Our optometrists, chiropractors and occupational therapists, as well as ... with professional indemnity insurance. This type of policy provides cover ... is with professional indemnity insurance . This type of policy provides cover for people who risk ... are sued for professional negligence, they are covered for their legal costs and for any damages awarded as a result ...

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Sometimes Professional Indemnity Insurance is Needed

Professional indemnity insurance is handcrafted to provide coverage ... ... indemnity insurance, which can cover and protect both parties where they need the coverage and protection most ... lawsuit, can ruin a business, cost tens of thousands of dollars, and potentially have the ability to ruin ...

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Insurance prices remain steady despite market predictions of higher premiums

... , the latest BizCover Small Business Insurance Index is showing little change ... stricter underwriting criteria and higher prices, excess capacity ... increases through in non-compulsory areas of cover like property, which has resulted in slightly ... in the market and insurance profitability remains strong, so I don't see the cost of business insurance increasing in the ...

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7 Ways You Can Protect Your Business and Personal Information Online Today.

Its Privacy Awareness Week, and in recognition of our support ... a few ways that individuals and their businesses can keep their ... -ordering your ... look and logos. Your bank will never ask for any personal information ... insurance policies will not only cover your business financially but will help organise the retrieval of information, restoration of systems and ...

read more and BizCover Announce White Label Partnership

... 's leading FinTech providers, BizCover and have joined ... online provider of small business insurance, having helped over ... control of their cover,” Phil adds. Michael Gottlieb, BizCover Managing Director says, “Our White Label solution is a key part of our mission to make business insurance even more accessible for SMEs and our partnership ...

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Do I need insurance for my market stall?

... treats to clothing, arts, crafts, and bric-a-brac, Australia has ... when it comes to markets. And with the festive season fast ... ... brand, you'll need to ensure you have the correct insurance before you can sing 'to market, to market we ... cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the costs ...

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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.

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