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: 

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

Could this happen to you? 

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

Winning Goal 

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

Back on track 

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

An unexpected fate 

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

**Maximum limits apply  

Excellent very easy to apply, if only other companies provided an easy application service like you do

N Wheeler

Brilliant. It was so easy to get this done and it was the lowest quote. I spent a whole day getting multiple quotes but bizcover found the best one for me!

M Fernando
Information Technology

Processing and efficiency make it easy and a simple process to get the cover you need.

I Brebner
Information Technology

Easy and simple. Thank you.

C Harris

Excellent and hassle free. Fast turnaround is what I needed and what I received from BizCover.

D West

I would just like to thank you for your quick, efficient and pain free claims process. It’s the first time I’ve ever made an Accident or Sickness claim. The stories I’ve heard about insurance not paying or being extremely difficult, so I was very nervous and anxious about the whole process. I’ve already recommended your insurance to several tradies, because of how simple and good your company has been to deal with. A Big Thank You to all involved.

Rod J
Carpenter

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