Personal Accident & Illness insurance
Compare multiple insurance quotes online
Flexible payment options – monthly or annually
Easy and professional claims support
Independent Feedback based on verified reviews
Compare Quotes
From multiple insurers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
Compare Quotes
From multiple insurers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
Compare quotes from our trusted insurance partners:
What is Personal Accident & Illness insurance?
Personal Accident & Illness insurance provides a weekly income benefit following an accidental injury or illness once signed off from work by a medical practitioner for a set amount of time.
Accidents happen, and a simple spot of home DIY or a weekend touch footy game could leave you unable to work for weeks or months. If being out of action is a no-go for your business, you may want to consider Personal Accident & Illness insurance to protect your most important business asset—yourself!
What does Personal Accident & Illness insurance cover?
Loss of income
Resulting from injury, illness or a combination of both
Death Benefits
An optional extension that covers your death
Disablement
An optional extension that covers the loss of physical or mental function
Business Expenses
An optional extension that can help you cover ongoing business bills
24/7 Worldwide Cover
Covers injuries or illnesses that happen during work or play, for Australian residents anywhere in the world (including on holiday)
- Pre-existing conditions
- An act which is intentional, criminal or caused by you
- Professional sports
- Overseas work that lasts longer than 4 weeks
- Pregnancy and childbirth
- Alcohol or drugs
- Motor sports
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
3 industries who purchase Personal Accident & Illness most:
- Management Consultants
- Education Consultant
- Communications Consultants
- Human Resources Consultants
- Business Coaching
- Environmental Consultants
- Content Writers
- Nurses
- Aged Care Support Workers
- Chiropractors
- Occupational Therapists
- Physiotherapists
- Disability Plan Management
- Disability Care
Personal Accident is suited to a wide range of industries and occupations in addition to the ones listed above.
The lowdown on Personal Accident & Illness
If you were temporarily unable to work due to the accident or illness, a Personal Accident & Illness policy could help you get by until you’re back on your feet. Your cover could pay you a benefit of up to 85% of your salary to help pay ongoing bills (like rent, utilities, loan repayments and more) that don’t stop just because you’re unable to work.
A Personal Accident policy could also help you prepare for worse-case scenarios. There is 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.
With BizCover, you can get quotes and Personal Accident and Illness insurance within minutes and once covered you will be protected 24/7!
How much does Personal Accident insurance cost?
Personal Accident & Illness insurance costs $115 per month* on average for BizCover customers, but every business is unique.
The cost of a policy varies based on your cover level, history of claims and other factors.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to Jun 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Your day to day living expenses
Your financial needs if you were permanently disabled
Your family’s financial needs if you passed away
Waiting periods
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to Jun 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
Add Business Details
Compare Quotes
Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Yes. You can choose from different waiting periods, ranging from 7 days to 28 days, when taking out Personal Accident & Illness cover. The waiting period chosen is one of the factors that will have an impact on how much the cover costs.
Everybody has their own unique circumstances and needs when it comes to Personal Accident & Illness insurance. When deciding on the level of cover you need, it may help to think about:
- How much cover you would 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)
More types of cover
Hear from our customers
Real-life customer reviews verified by Feefo
Processing and efficiency make it easy and a simple process to get the cover you need.
I Brebner
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
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
Real-life customer reviews verified by Feefo